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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

With 5+ years in client service, I’m passionate about delivering personalized financial planning that puts your best interests first. Backed by 150+ business partners, I tailor solutions to help you reach your financial goals.

Contact me now to request for a quotation or schedule a coffee session for further discussion. See you soon!

拥有5年以上客户服务经验，我致力于提供以客户利益为先的个性化理财规划。依托150多位业务伙伴，我为您量身定制方案，助您实现财务目标。

欢迎咨询，随时为您准备方案！

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  • 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
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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.
  • 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。
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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