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.
SRS Tax Savings Calculator
Calculate your tax arbitrage from SRS contributions. Save up to $15,300 annually and pay only 50% tax on withdrawals.
Your Details
(Max: $15,300)
(Suggested: 11.5%)
(Usually lower)
Your Tax Arbitrage
Immediate Tax Savings (Annual)
$3,672
At 24% marginal tax rate
Future SRS Value
$455,605
Assuming 4% annual return over 20 years
Tax on Withdrawal
$15,946
Effective: 3.5%
Net Tax Arbitrage
$57,494
Over 20 years
Total Net Benefit
$207,098
Tax savings + investment gains - withdrawal tax
New Taxable Income
$104,700
Reduced from $120,000
Tax Arbitrage Breakdown
Total Immediate Savings
$73,440
20 years × $3,672
Investment Gains
$149,605
4% annual return on $15,300
Tax on Withdrawal
-$15,946
50% taxable at 7% rate
How It Works
Immediate Tax Savings: SRS contributions reduce your taxable income, saving you money now based on your current marginal tax rate.
Tax-Deferred Growth: Your SRS investments grow tax-free until withdrawal (assumed 4% annual return in this calculator).
50% Tax on Withdrawal: When you withdraw from SRS at retirement, only 50% of the withdrawal is taxable. The other 50% is tax-free.
Tax Arbitrage: If your retirement tax rate is lower than your current rate (common scenario), you save the difference.
Total Net Benefit: This includes immediate tax savings, investment gains, and accounts for withdrawal tax—giving you the full picture of SRS value.
Want to Automate CPF Optimisation for Your Clients?
Kiros compares SRS and CPF strategies side-by-side, recommending the optimal allocation based on your client's tax situation and retirement goals.
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
