CPF RSTU Top-Up & Tax Relief Calculator (2026)
Calculate direct cash tax savings from topping up your own and loved ones' CPF accounts up to S$16,000 under RSTU, combined with 4.05% returns.
Calculate direct cash tax savings from topping up your own and loved ones' CPF accounts up to S$16,000 under RSTU, combined with 4.05% returns.
Calculate direct cash tax savings from topping up your own and loved ones' CPF accounts up to S$16,000 under RSTU, combined with 4.05% returns. Calculate exact, penny-accurate projections compliant with 2026 CPFB • IRAS • Monetary Authority of Singapore (MAS) • HDB standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
Official IRAS progressive resident tax tiers
Instant cash pocket savings plus uninterrupted compound growth in CPF.
Relief_{Self} = \min(TopUp_{Self}, \$8,000) \\
Relief_{Family} = \min(TopUp_{Family}, \$8,000) \\
Total\ Relief = Relief_{Self} + Relief_{Family} \le \$16,000 \\
Tax\ Savings = Tax(Income) - Tax(Income - Total\ Relief)Under IRAS & CPFB guidelines, making cash top-ups to your own Special/Retirement Account (SA/RA) grants up to S$8,000 in personal income tax relief per calendar year. An additional S$8,000 tax relief is granted for topping up eligible family members' accounts, providing up to S$16,000 in annual tax deductions.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual CPF interest rates, ABSD criteria, COE prices, and bank mortgage rates may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a MAS-licensed financial adviser or IRAS/CPF officer prior to executing financial commitments.
You can receive up to S$16,000 in tax relief per calendar year: up to S$8,000 for cash top-ups to your own CPF account, and up to S$8,000 for top-ups to eligible loved ones.
Eligible recipients include your parents, parents-in-law, grandparents, and grandparents-in-law. For spouse or siblings, they must either have an annual income not exceeding S$4,000 in the preceding year or be physically/mentally disabled.
All cash topped up into the Special Account (SA) or Retirement Account (RA) immediately compounds at the guaranteed rate of 4.05% to 6.05% per annum, backed 100% by the AAA Singapore Government.
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