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新加坡个税干货！手把手教你省税+避坑指南

新加坡个税干货！手把手教你省税+避坑指南 — Engage

📌 新加坡纳税居民必看！

✅ 定义：

本地人：自动成为纳税居民，需申报全球收入。

外国人：前一年在新加坡居住≥183天（合理离境/董事身份除外）即需申报。

✅ 应税收入：
▫️ 新加坡境内或来源的收入（工资、租金、投资收益等）
▫️ 海外收入免税！新加坡人出国工作无需缴税🇸🇬

 

💰 新加坡个税有多香？

✅ 税率超友好：0-22%（中国个税最高45%！欧美国家更离谱）
✅ 申报简单：大部分人只需报工资，房东记得报租金哦~

 

🎁 10项隐藏福利！速领你的减税额度！

1️⃣ 慈善捐款

✅ 自动抵扣2.5-3倍捐款（公民/PR/工签可享）

📌 受益机构需批准，系统自动添加，手残党福音！

 

2️⃣ 子女减免

🚀 每孩4k（<16岁/学生）或7.5k（残障儿童）

💡 夫妻共享，继子女/养子女同等待遇！

 

3️⃣ 祖父母照顾

👵🏻 工作妈妈申请，$3k/年（需老人无收入+照顾≤12岁孩子）

⚠️ 首年手动报，后续自动续！

 

4️⃣ 配偶减免

💑 住一起+年收入<4k→2k减免

🦼 残疾配偶 → $5.5k减免（夫妻共享）

 

5️⃣ 残疾兄弟姐妹

🚩 居住≥8个月+花费≥2k→5.5k/人

⚠️ 首年手动，后续自动！

 

6️⃣在职妈妈子女

🍼 按孩数阶梯式减免（2024年之前出生的孩子）：

第一孩15%、第二孩20%、第三孩25%（总和≤$5k）

✅ 仅限新加坡公民子女！

✅2024年之后出生的孩子，按照固定金额抵税。

 

7️⃣ 人寿保险

💼 CPF缴款<5k或未缴→减免5k（与保费/保额7%取低）

 

8️⃣ 父母赡养

👴🏻 55岁以上父母（同住9k/人vs不同住5.5k/人）

🦽 残障父母无收入限制 → $14k/人！

 

9️⃣ 自我提升课程

📚 职业培训/学历课程 → 减免$5.5k（需正规机构）

 

🔟 退休账户SRS

🇸🇬 公民/PR：$15.3k/年

🌏 外国人：$35.7k/年

 

其他福利

📶 居家办公电费/网费增量可抵扣

🍽️ 自雇人士客户应酬费（餐费/咖啡/小礼物）可报！

新加坡个税干货！手把手教你省税+避坑指南 — Engage

 

🚨 注意事项！

1️⃣ 申报截止：每年3月31日（逾期罚款高达$2k！）
2️⃣ 自动申报：工资收入系统自动处理，其他收入需手动提交。
3️⃣ 专业咨询：复杂情况（如跨国收入、自雇业务）建议找税务师！

 

🌟 总结

新加坡个税=低税率+海量减免+操作友好！
✅ 本地人：重点利用子女/父母/配偶减免
✅ 新移民：关注居住天数+合理规划海外收入
✅ 自雇人士：最大化应酬费抵扣+SRS账户

👉 收藏备用！ IRAS官网直接申报，手慢无！

 

💬 互动时间

✅ 你在新加坡最想用哪项减免？

新加坡个税干货！手把手教你省税+避坑指南 — Engage

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

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  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
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根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

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  • I have read and understood FAPL’s Personal Data Policy, and hereby give my acknowledgement and consent to FAPL to use my personal data in accordance with FAPL’s Personal Data Policy.
  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策，并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
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  • 我已阅读并理解了上述免责声明，特此声明接受这些条款。
  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意，不得将这些文件全文或部分发布，传播，复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策