SRS Calculator

Tax savings · balance projection · withdrawal planning · Singapore 2026

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Your Contribution

Assessable income before reliefs

Reliefs already claimed (counts toward the S$80,000 cap)

SRS Contribution: {{ formatCurrency(srsContribution) }} (cap {{ formatCurrency(contributionCap) }})

S$0{{ formatCurrency(contributionCap) }}

SC/SPR cap S$15,300 · Foreigner cap S$35,700

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Tax Impact

{{ taxResult.taxSaved > 0 ? 'mdi-check-circle' : 'mdi-alert-circle' }}

An SRS contribution of {{ formatCurrency(taxResult.srsContribution) }} saves you {{ formatCurrency(taxResult.taxSaved) }} in tax this YA. No tax benefit at these inputs — your chargeable income is in the 0% band or reliefs are already at the cap.

mdi-information Relief cap reached: existing reliefs + SRS exceed S$80,000. Only {{ formatCurrency(taxResult.effectiveSRSRelief) }} of your SRS contribution reduces chargeable income.

Tax Saved

Effective Return

tax saved / contribution

Marginal Rate

Effective SRS Relief

Tax: Before vs After SRS

Bracket	Rate	Before	After	Saved
{{ bandLabel(b.from, b.to) }}	{{ formatRate(b.rate) }}	{{ formatCurrency(b.taxBefore) }}	{{ formatCurrency(b.taxAfter) }}	{{ formatCurrency(b.saved) }}
Total		{{ formatCurrency(taxResult.taxWithoutSRS) }}	{{ formatCurrency(taxResult.taxWithSRS) }}	{{ formatCurrency(taxResult.taxSaved) }}

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Growth Assumptions

Annual Contribution: {{ formatCurrency(annualContribution) }} (cap {{ formatCurrency(contributionCap) }})

Expected Annual Return: {{ numVal(expectedReturn) }}%

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Projected Balance

Balance at {{ numVal(retirementAge) }}

Total Contributions

Investment Returns

Return Multiple

{{ projResult.returnMultiple ? projResult.returnMultiple.toFixed(2) + '×' : '—' }}

{{ projResult.yearsToRetirement }} contributing years

mdi-alert-circle Retirement age must be greater than current age to project growth.

Year-by-Year

Age	Contribution	Returns	Balance
{{ row.age }}	{{ formatCurrency(row.contribution) }}	{{ formatCurrency(row.returns) }}	{{ formatCurrency(row.balance) }}

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Withdrawal Plan

Penalty-free from {{ CALC_CONFIG.constants.statutoryRetirementAge }}

Max 10 years

Stacks below the taxable SRS portion

Return During Withdrawal: {{ numVal(returnDuringWithdrawal) }}%

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Retirement Income

mdi-alert-circle Premature withdrawal (before age {{ CALC_CONFIG.constants.statutoryRetirementAge }}): 100% taxable plus a 5% penalty ({{ formatCurrency(wdResult.penalty) }}/yr).

mdi-check-circle Qualifying withdrawal: only 50% is taxable, no penalty.

mdi-alert {{ wdResult.depletionNote || 'The balance runs out before the end of the withdrawal period, so later years deliver less than the planned amount. The Annual Withdrawal, Annual Tax and Effective Tax Rate shown above are period-averages blended across the shrinking draws — not your actual first-year withdrawal or tax. See the year-by-year schedule below for the true first-year figures.' }}

Net Monthly Income

Annual Withdrawal

Effective Tax Rate

Total Net Received

over {{ wdResult.withdrawalPeriod }} years

Withdrawal Schedule

Year	Gross	Taxable	Tax	Net
{{ row.year }}	{{ formatCurrency(row.withdrawal) }}	{{ formatCurrency(row.taxable) }}	{{ formatCurrency(row.tax + row.penalty) }}	{{ formatCurrency(row.net) }}

Tax column includes the 5% penalty when withdrawal is premature.

This calculator is for estimation purposes only. Consult a licensed financial adviser for personalised advice.
Tax computed on resident progressive rates (YA 2024+). SRS relief is subject to the S$80,000 personal income tax relief cap.