🇸🇬 Singapore vs 🇦🇺 Australia: 2026 take-home pay
At $150,000 gross (single filer, 2026 model), estimated net is about $127,500 for Singapore versus $100,500 for Australia. Singapore EP holders beat Australia by ~$27,000/year at $150k
2026 tax data · Last reviewed: April 1, 2026 · Source: methodology
TL;DR — Key Takeaways
- →At $150,000: Singapore (EP, no CPF) ≈ $127,500 net vs. Australia ≈ $100,500.
- →Australia combines progressive federal tax with the 2% Medicare levy; SG effective rate is lower at this band.
- →Territorial nuances differ — use the calculator for your exact visa and income mix.
Net Pay at $150,000 Salary (2026)
| Country | Estimated net (USD) |
|---|---|
| 🇸🇬 Singapore | $127,500 |
| 🇦🇺 Australia | $100,500 |
🇸🇬
Singapore
$127,500
estimated net take-home
Top rate: 24%
🇦🇺
Australia
$100,500
estimated net take-home
Top rate: 45%
Annual delta at $150,000
🇸🇬 Singapore saves $27,000/year
Over 10 years at 7% compounding: $399,060 more
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Key Tax Differences
| Factor | 🇸🇬 Singapore | 🇦🇺 Australia |
|---|---|---|
| Top income tax rate | 24% | 45% |
| Effective rate at $100k | 10% | 28% |
| Taxation basis | Territorial | Worldwide |
| Special regimes | Not Ordinarily Resident (NOR) Scheme | None |
🇸🇬 Singapore — Key Tax Facts
- →Income tax: 0%–24% progressive; no tax on first SGD 20,000.
- →Employment Pass (EP) holders pay NO CPF contributions — significant advantage for expats.
- →Citizens and PRs contribute 20% employee CPF + 17% employer CPF (capped at SGD 6,300/month ordinary wages).
- →Singapore taxes income sourced in Singapore; most foreign-source income is exempt.
- →No capital gains tax, no inheritance tax, no wealth tax.
- →Effective rate for EP holders at SGD 150k (≈ USD 112k): approximately 12%.
🇦🇺 Australia — Key Tax Facts
- →Income tax: 0% below AUD 18,200; 19%–45% progressive.
- →Medicare Levy: 2% of taxable income (standard; reductions apply for low earners).
- →Superannuation: employers must contribute 11.5% of earnings into the employee's super fund.
- →No income tax on first AUD 18,200 — significant for lower-income earners.
- →Worldwide taxation for tax residents; 2% Medicare Levy surcharge for those without private health insurance.
- →Capital gains discount: 50% reduction on gains if asset held >12 months.
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🇸🇬 Singapore vs 🇦🇺 Australia at every salary
| Gross | 🇸🇬 Singapore | 🇦🇺 Australia | Annual gap |
|---|---|---|---|
| $50,000 | $37,875 | $44,050 | Australia $6,175 |
| $75,000 | $55,219 | $61,613 | Australia $6,394 |
| $100,000 | $76,380 | $76,200 | Singapore $180 |
| $125,000 | $96,359 | $88,760 | Singapore $7,599 |
| $150,000 | $117,430 | $105,025 | Singapore $12,405 |
| $200,000 | $158,347 | $136,067 | Singapore $22,280 |
| $250,000 | $197,630 | $165,125 | Singapore $32,505 |
| $500,000 | $385,880 | $300,500 | Singapore $85,380 |
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Estimates assume a single filer with no dependents and no treaty benefits. Not tax advice. See methodology.