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 The balance runs out before the end of the withdrawal period — later years deliver less than the planned amount. Figures below reflect what is actually withdrawn.

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.