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一文了解新加坡EP持有者如何合法降低个税

新加坡因其税率较低和简明的税制，吸引了众多外籍人士前来工作。作为EP（Employment Pass）持有者，虽然不享有新加坡公民和永久居民的税收优惠，但还是有一些合法的省税方法。通过合理的税务规划，您可以合法地降低税务负担。以下是几种省税策略，帮助您最大化收入。

 

1. 了解新加坡个人所得税制度

新加坡采用累进税率制度，税率从0%到最高22%（自2024年起，年收入超过S$50万部分的税率为24%）。以下是税率阶梯：

一文了解新加坡EP持有者如何合法降低个税 — Engage

 

2. 最大化税务减免

  • CPF 自愿性供款

向公积金账户额外存款可减少应税收入。您可以通过页面，查看多种补充存款选项。

  • SRS（补充退休计划）供款

存入SRS账户的金额可享有税务减免。外国人最高可享有$35,700的减免额度，假设您的的年薪金为S$150,000,缴满S$35,700，您的应税收入将从S$150,000减少至S$114,300。根据税率表，这会帮助您节省约S$3,877.50的税款。同时，SRS账户也能用于投资，为未来的退休做准备。

  • 慈善捐款（Approved Donations）

符合条件的捐款可享受2.5倍的扣税。举个例子：假设原本的应税收入是S$114,300，通过捐款S$10,000,可从应税收入中减去S$25,000，新的应税收入为S$89,300,从而进一步降低税务负担。

  • 父母抚养扣除额

如果您供养年迈父母，可申请最高S$3,000的扣税额。

 

3. 巧用工作相关的津贴与福利

  • 如果您的职业关于进修或培训，您可以申请职业发展培训费用（Course Fees Relief），最多可扣除S$5,500。另外，部分工作相关开销（例如：专业会员费）也可能符合扣税条件，这有助于进一步降低税务负担。需要注意的是，使用SkillFuture进修的课程不能扣税。
  • 教育津贴（Education Allowance）

如果雇主提供子女学费补贴，这部分津贴通常免税或仅有部分计入应税收入。举个例子，假设雇主提供S$12,000的教育津贴，IRAS（新加坡税务局）可能会只将一部分津贴作为应税收入，帮助降低额外税务。

  • 交通津贴和移动办公津贴

如果雇主提供交通津贴（如车费补贴）或远程工作津贴，您可以尝试协商将这些津贴作为福利处理，而非现金收入。

 

4. 家庭相关减税

  • 配偶和子女扣除

作为EP持有者，如果您的配偶没有收入或收入较低，可申请配偶扣除（Spouse Relief），减免S$2,000的税务。另外，每名子女额外扣除4,000新币。

举个例子，如果您作为EP持有者年薪为S$150,000,您的配偶无收入，且有两个孩子，可享受S$2,000 +S$ 4,000 + S$4,000 = S$10,000的家庭相关减免。 应税收入从150,000新币降至140,000新币。

  • 赡养父母减税

若您的父母在新加坡与您同住，其中一位年满55岁，且去年年收入不超过S$4,000，并且在新加坡居住超过八个月，你就能获取S$9,000的赡养父母抵税额。

 

5. 利用免税投资工具

新加坡对资本利得（Capital Gains）免征税，因此：

  • 通过投资股票、房地产或基金获得的资本增值无需缴纳税款。
  • 新加坡储蓄债券（SSB）的利息免税，是一种安全且适合长期储蓄的投资选择。
  • 投资连结保险也是不错的选择，它允许您指定受益人，确保在您过世后，财产能够按您的意愿分配。

 

6. 关键事项

  • 合法合规：所有税务扣除和规划策略应遵循IRAS的相关规定，以避免出现税务问题。
  • 与雇主协商：某些福利和津贴需要与雇主商议，以便调整薪资结构。
  • 专业咨询：根据个人的具体情况，建议寻求税务专家的帮助，制定个性化的税务优化计划。

 

新加坡的税制较为宽裕，通过以上策略，EP持有者不仅能减少税负，同时还能更好地管理财务，增强长期储蓄能力。在合法合规的前提下，充分利用新加坡的税收优惠政策，将大大有助于外籍人士的财务规划。

如果您想计算您的个人所得税或配置个人化节税计划，欢迎随时联系我。

微信号：a19842182457 或 WA：+65 9465 3813

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:

Martin Hsia 乙未

歡迎來到我的個人網站，我是Martin乙未，土生土長的台灣人。曾經在澳大利亞和上海求學，目前定居於新加坡。

從小便對財務與投資充滿興趣，尤其是在家庭的熏陶下，這股熱情愈加濃烈。13歲時，便在金融海嘯中擁有了人生的第一張股票，也由此踏上了投資之路。在30歲之前，我成功累積了自己的第一桶金。

目前，我在新加坡最大的獨立理財顧問公司工作，專注於為客戶提供資產增值和風險管理的專業服務，協助他們在多變的市場環境中穩健成長。

希望未來可以成為您在新加坡，投資理財的資源人士。

持續不斷為您輸出有價值的訊息，成為您在新加坡值得信賴的理財顧問。

 

 

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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