Singapore Job Offers
Singapore job offer comparison calculator
Compare what two offers are really worth after separating dependable salary, variable compensation, one-time payments, employer CPF, income tax, and monthly cash.
Offer comparison
Compare package value and dependable cash
Offer A results
Offer B results
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Method and sources
Compare like with like, not headline with headline
The page classifies base salary and fixed monthly allowances as Ordinary Wages, while AWS, variable bonus, and sign-on cash are treated as Additional Wages for this estimate. Employer CPF adds package value but not spendable cash. Equity is entered as an expected taxable vesting or exercise gain and is not assumed to attract CPF.
“Guaranteed cash” includes AWS only when you enter it. MOM states that AWS and bonuses are not compulsory unless the obligation appears in a contract or collective agreement. Leave, insurance, vesting risk, working hours, and role quality remain outside the score.
First-year package = cash compensation + expected taxable equity gain + employer CPF
Average monthly cash = (cash compensation - employee CPF - estimated tax on the package) / 12
Equity caution: enter expected taxable gain, not the face value of an unvested grant. Actual value and taxable timing depend on the plan and future share price.
Questions and assumptions
Frequently asked questions
What is guaranteed cash compensation?
The calculator treats 12 months of base salary, fixed monthly allowances, and entered AWS as guaranteed cash. Only include AWS here when it is contractual or otherwise dependable; MOM states that AWS is not compulsory by law.
Why is variable bonus shown separately?
A headline package can look attractive while depending heavily on performance or company results. Separating variable bonus makes it easier to compare the dependable salary you can budget against the amount that may not be paid.
How should I enter stock awards or RSUs?
Enter the expected taxable gain for awards likely to vest in the year, not the original grant headline. IRAS generally taxes employee share award gains when they vest, subject to plan restrictions and special rules such as deemed exercise for some foreign employees.
Does the calculator assume CPF on equity awards?
No. Equity is included as estimated taxable package value but excluded from CPF wages. Share-plan and cash-settled award treatment can differ, so confirm the specific plan with payroll or a tax adviser.
How are fixed allowances treated?
Fixed monthly cash allowances are included with monthly Ordinary Wages and taxable employment income. Reimbursements of genuine business expenses can be treated differently, so do not enter reimbursements as a salary allowance.
How are sign-on bonuses treated?
The calculator treats a cash sign-on bonus as first-year taxable Additional Wages and excludes it from recurring package value. Clawback terms, repayment conditions, and the actual CPF classification should be checked in the offer contract.
Does employer CPF increase take-home pay?
No. Employer CPF increases the wider value of the package but is not cash paid into your bank account. It is therefore shown separately and included in total package value, not monthly spendable cash.
Why can the higher total package have a small monthly cash advantage?
The difference may sit in variable bonus, equity, sign-on money, or employer CPF. Monthly cash focuses on salary and cash payments after estimated employee CPF and annual income tax.
Can first- and second-year PRs compare offers?
Use the custom CPF option and enter the rates that apply to your PR year and contribution arrangement. The tool does not infer whether full or graduated rates were jointly selected.
Does the comparison value annual leave?
No. Leave, medical coverage, insurance, flexible work, notice periods, vesting conditions, and career development can materially change an offer but do not have a reliable universal cash value. Compare them alongside the calculator output.
What does after-tax package value include?
It includes cash compensation, entered taxable equity value, and employee CPF and income-tax effects. It is an economic comparison figure, not the exact cash that will arrive in your bank account.
Are personal tax reliefs shared across both offers?
Yes. The same entered relief assumption is used for both offers so the comparison is consistent. Enter reliefs excluding compulsory employee CPF because the calculator estimates CPF relief separately.
Can I compare a foreign employee package with a local package?
You can model either no CPF or full/custom CPF, but both offers share one CPF and tax-residency setting. Compare offers under the status that will apply to you, not under different hypothetical identities.
Is this a reason to accept the winning offer?
No. The result only compares entered financial values. Role quality, stability, working hours, commute, benefits, vesting risk, and contractual terms still require human judgment.