7 IRAS Tax Reliefs Most Singaporeans Forget to Claim (Tax Relief Singapore 2026)

Every April, I see the same thing with my clients.

They log into myTax Portal, check that their employer auto-filled their income, click submit, and move on with their life.

5 minutes. Feels efficient.

But here's the thing: your employer only fills in your income. They don't fill in your reliefs.

And that's where most people leave money on the table.

"I didn't know I could claim that"

This is the most common thing I hear during tax season.

Singapore has over 13 personal tax reliefs. Some are auto-applied (Earned Income Relief, CPF). But many need you to actively claim them. And most people don't, because they don't know they exist.

The ones I see people miss the most? CPF SA top-ups, SRS contributions, Parent Relief, and Working Mother's Child Relief. These alone can save you thousands.

If you just crossed $100k, pay attention

Once your chargeable income hits $80,000, your marginal tax rate jumps to 11.5%. At $120k it's 15%. At $160k, 18%.

That means every dollar of relief saves you more.

Someone earning $120k who contributes to SRS ($15,300) and tops up CPF SA ($8,000) saves over $2,600 in taxes every year. And that money keeps working for you: SRS can be invested tax-free, CPF SA earns 4% guaranteed.

I built a free tool for this

Instead of reading through the entire IRAS website, I made a Tax Relief Finder that does it for you.

Answer a few quick questions. It tells you every relief you qualify for, how much you save, and what to do before 31 Dec to save more next year.

Takes 2 minutes. No sign-up required.

Try the Tax Relief Calculator →

Wondering what to do with the money you save? Check out the Investment Growth Calculator to see how your tax savings could compound over time.

Filing deadline is 18 April 2026. Before you hit submit, check what you might be missing.

If you want someone to walk through your situation, or you're not sure whether you should start contributing to SRS or topping up your CPF SA, book a personalised chat. No obligations, no hard sell.

Because the gap isn't income. It's clarity.

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Disclaimer: This article is for educational and informational purposes only. I am not a tax advisor and this does not constitute tax advice. Please verify your relief eligibility on the IRAS website or consult a qualified tax professional for advice specific to your situation.