Singapore IRAS Property Tax (Annual Value) Calculator (2026)
Calculate Singapore Annual Value (AV) progressive property tax under updated owner-occupied (0%-32%) vs non-owner-occupied (12%-36%) tiers and monthly GIRO payments.
Calculate Singapore Annual Value (AV) progressive property tax under updated owner-occupied (0%-32%) vs non-owner-occupied (12%-36%) tiers and monthly GIRO payments.
Calculate Singapore Annual Value (AV) progressive property tax under updated owner-occupied (0%-32%) vs non-owner-occupied (12%-36%) tiers and monthly GIRO payments. 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.
Property\ Tax = \sum_{tier} (\min(AV_{tier}, Span_{tier}) \times Rate_{tier}) \\
Monthly\ GIRO = \frac{Property\ Tax}{12}Property Tax is levied progressively on the Annual Value (AV, based on estimated market gross rental). Owner-occupied homes enjoy 0% to 32% (first $12k AV free). Non-owner-occupied investment homes attract steep 12% to 36% rates.
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.
Annual Value (AV) is the estimated annual gross rent the property can fetch if rented out, excluding maintenance fees and furniture costs, assessed by IRAS against market rental transactions of similar nearby units.
Enormous! For a condo with AV of S$36,000, an owner-occupier pays only S$960/year. If rented out, the non-owner rate of 12%-20% kicks in, jumping the tax to S$4,800/year (5 times higher!).
Property owners can set up a GIRO arrangement via IRAS myTax Portal or major local banks to pay annual property tax across 12 monthly interest-free deductions from January through December.
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