揭秘新加坡省税攻略!这两步轻松省下了2,600块新币的税

做这两步,就可以省下了 $2,679.50!

昨天,我收到新加坡税务局(IRAS)的提醒,要去填写和提交我的税务申报。庆幸的是,去年(2024年)我提前做好了规划,采取了两个简单的行动,让我今年的个人所得税少缴了不少。

 

我就举例来解释如何利用这两个省税工具有效省税。

假设一位新加坡公民或永居(PR)的年收入:$150,000
💰 原本应缴税额:$7,635

 

通过两项省税策略,实际缴税大幅减少:

1. 补充公积金(CPF Top-Up)$8,000

  • 新税额:$6,715(省下 $920)

 

2. 补充退休储蓄计划(SRS Top-Up)$15,300

  • 新税额:$4,955.50(省下 $1,759.50)

 

从原本的税额 $7,635 减低至 $4,955.50。

最终总共省下:$2,679.50!

省税的更多可能性:

如果你有孩子,还有更多省税工具可以利用,比如:

  • Working Mother Tax Relief (职业母亲税务减免)
  • Parenthood Tax Rebate (育儿税务回扣) —- 这是直接折扣总税收的金额

更多详情,可以到官网阅读。

 

你学会怎么省税了吗?

许多人每年缴税时才开始头疼,其实只要提前规划,利用新加坡政府提供的合法省税工具,你也能大幅降低个人所得税。

你是否已经开始着手为明年的税务减免做准备了呢?

如果你不确定怎么开始,欢迎联系我!

WhatsApp: +65 86802340
微信: lidwinabq

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 unbiased 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.

Published By:

Lidwina Teo 维娜

I help individuals and families make confident financial decisions through personalised financial planning across the whole world. 

Specialising in protection, wealth accumulation, and retirement planning, I provide tailored solutions aligned with your goals and priorities.

Let’s connect over a coffee and explore how we can build a stronger financial future together.

 

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