Announcement:
We have officially launched BETA on 1 Jan 2026. Be part of our first cohort. Request for early access.
Resources For Financial Advisers
Free calculators, compliance checklists, and guides to help you save time, stay compliant, and grow your practice.
CPF Top-Up Tax Relief Calculator
Calculate your tax savings from CPF voluntary contributions. Maximise your relief with up to $16,000 in annual tax deductions.
Your Details
(Suggested: 11.5% based on income)
(Max tax relief: $8,000)
(Max tax relief: $8,000)
Your Tax Savings
Total Tax Relief
$16,000
Capped at $16,000 ($8,000 self + $8,000 family)
Tax Savings
$2,400
Capped at $16,000 ($8,000 self + $8,000 family)
Gross Top-Up
$16,000
Net Cost
$13,600
% Effective Discount
15.0%
You're effectively contributing at a 15.0% discount
New Taxable Income
$104,000
Reduced from $120,000
How It Works
Tax Relief: CPF voluntary contributions qualify for tax relief up to $8,000 (self) + $8,000 (family) = $16,000 total per year.
Tax Savings: Your tax relief reduces your taxable income, saving you money based on your marginal tax rate. For example, $16,000 relief at 15% rate = $2,400 savings.
Net Cost: Your actual out-of-pocket cost after tax savings. If you top up $16,000 and save $2,400 in taxes, your net cost is $13,600.
Effective Discount: The percentage discount you receive thanks to tax relief. In the example above, that's a 15% discount on your CPF contributions.
Want to Automate CPF Optimisation for Your Clients?
Kiros calculates optimal CPF top-up strategies in seconds—complete with tax savings projections and MAS-compliant documentation.
We bring all these calculators, compliance checklists, and automation tools into one platform—so you can serve clients faster, stay MAS-compliant, and reclaim your time.
Book Discovery CallJoin Our Beta as a Founding Adviser
By invite only. Limited spots available in this cohort.
Be part of our first cohort of advisers using Kiros in production. Get early access, a direct line to our product team, and a say in how we build the infrastructure of compliance-first, adviser-centric technology.
Intelligent AI assistant for smarter & efficient financial advisory.
Built by Advisors, for Advisors.
[ RESOURCES ]
2026 © Kiros Technology Pte Ltd. All Rights Reserved.
email: hello@kiros.sg
