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🇬🇧 United Kingdom vs 🇸🇬 Singapore
Singapore EP holders keep ~$33,000 more than UK earners at $150k
2026 tax data · Last reviewed: April 1, 2026 · Source: methodology
TL;DR — Key Takeaways
- →At $150,000 salary: Singapore (EP) take-home ≈ $127,500 vs. UK ≈ $94,500.
- →Singapore's effective rate at SGD 200k (≈ USD 150k) is approximately 15%; UK hits 40% higher rate.
- →No CPF for EP holders; no NI equivalent for expats in Singapore.
- →UK personal allowance tapers to £0 above £125,140 — compressing the marginal rate further.
- →Singapore is territorial; UK taxes worldwide income of UK tax residents.
Net Pay at $150,000 Salary (2026)
🇬🇧
United Kingdom
$94,500
estimated net take-home
Top rate: 45%
🇸🇬
Singapore
$127,500
estimated net take-home
Top rate: 24%
Annual delta at $150,000
🇸🇬 Singapore saves $33,000/year
Over 10 years at 7% compounding: $487,740 more
Key Tax Differences
| Factor | 🇬🇧 United Kingdom | 🇸🇬 Singapore |
|---|---|---|
| Top income tax rate | 45% | 24% |
| Effective rate at $100k | 28% | 10% |
| Taxation basis | Worldwide | Territorial |
| Special regimes | Remittance Basis (Non-Domiciled) | Not Ordinarily Resident (NOR) Scheme |
🇬🇧 United Kingdom — Key Tax Facts
- →Income tax: 0% personal allowance (£12,570), then 20%/40%/45% progressive rates.
- →Personal allowance tapers to £0 for income above £125,140 — effective 60% marginal rate between £100k–£125,140.
- →National Insurance: 8% employee Class 1 on earnings £12,570–£50,270; 2% above £50,270.
- →Employer NI: 13.8% on earnings above £9,100 (no cap).
- →Statutory Residence Test: complex 4+8 test system — not just 183 days.
- →No capital gains tax on primary residence; 18%/24% on other assets.
🇸🇬 Singapore — Key Tax Facts
- →Income tax: 0%–24% progressive; no tax on first SGD 20,000.
- →Employment Pass (EP) holders pay NO CPF contributions — significant advantage for expats.
- →Citizens and PRs contribute 20% employee CPF + 17% employer CPF (capped at SGD 6,300/month ordinary wages).
- →Singapore taxes income sourced in Singapore; most foreign-source income is exempt.
- →No capital gains tax, no inheritance tax, no wealth tax.
- →Effective rate for EP holders at SGD 150k (≈ USD 112k): approximately 12%.
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Estimates assume a single filer with no dependents and no treaty benefits. Not tax advice. See methodology.