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Anonymous

10 Dec 2025

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At which amount is the tipping point whereby contributing to SRS worth the liquidity?

At which income bracket should one consider SRS to have the highest impact on tax savings vs liquidity? I.e 80, 100k , 120k chargeable income?

does age impact? I.e if you are in your 30 vs 50s. Your withdrawal timeline would be hugely different

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Ellena

05 Jan 2026

Someone once said 120K but I guess as long as it's chargeable, you can try put SRS if you wish to lower the tax

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I.L.

02 Jan 2026

If my annual income is above 80 K, then CPF/SRS top up is worth considering to reduce taxable income.

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1M45

Edited 10 Dec 2025

Is subjective. The table show how much tax saved for different income level.

Personally, i j...

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Understand that there is tax relief for the amount I contribute to the SRS. But if the money is being used to invest, the SRS would not show the amount. Does tax relief apply?

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Related Posts

Understand that there is tax relief for the amount I contribute to the SRS. But if the money is being used to invest, the SRS would not show the amount. Does tax relief apply?

Is the tax relief from SRS based on the contribution that FY, or the amount sitting in the SRS account?

Do you contribute to your SRS? Why or why not? I understand that there are tax benefits, but does having more money in your CPF (which is far from liquid) actually help?

I am 32 earning about 50k a year. Can contribute 2k to SRS. Is it worth it?

What is optimum income to enjoy tax savings to start contributing to SRS? And how would that amount change as we grow older at different life stages?

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