Singapore Financial Calendar 2026: Key Dates for Tax, CPF, SRS, and Investment Deadlines
Last updated: July 2026 | SeaMoneyTips
Ringkasan
Singapore’s 2026 financial calendar includes critical deadlines every month. IRAS personal income tax filing falls on April 18 (paper) and May 4 (e-filing). CPF contributions are due by the 26th of each month. The SRS contribution deadline is December 31, and the penalty-free withdrawal window runs from January 1 to March 15. Property tax, GST, company annual returns, and CPF top-up deadlines are also covered below with practical tips to help you avoid penalties and maximise tax reliefs.
Why Tracking Financial Deadlines Matters
Missing a financial deadline in Singapore is costly. Late CPF contributions attract 1.5% penalty interest per month. A late income tax payment incurs a 5% penalty, rising to 12% annually. SRS withdrawals outside the penalty-free window carry a 5% penalty. Beyond fines, you also lose tax-saving opportunities, as timely CPF top-ups and SRS contributions before December 31 can save hundreds or thousands of dollars.
Singapore’s financial deadlines follow a predictable annual pattern. Understanding the rhythm of tax filing, CPF cycles, SRS windows, and property tax deadlines makes planning straightforward. This article covers every major deadline for 2026 with actionable steps to stay on track.
Personal Income Tax Filing Deadlines
For Year of Assessment (YA) 2026, covering income earned in 2025, IRAS sets two key filing deadlines. Paper returns (Form B or B1) are due April 18, 2026. E-filing through the myTax Portal on the IRAS website gives you until May 4, 2026. Most taxpayers are on No-Filing Service (NFS) and do not need to file unless their income changes. NFS taxpayers should verify their auto-included information on myTax Portal before June 15, 2026.
Practical Tips
Gather documents early, including your Notice of Assessment from the previous year and employer auto-inclusion data. Log in to myTax Portal by mid-March to confirm your employer has submitted the necessary information. If you owe tax, IRAS offers GIRO instalment plans spreading your bill across 10 months interest-free from May. Our tax filing guide walks you through each step.
CPF Contribution Deadlines
Employers must contribute CPF for all Singaporean employees by the 26th of each month. If the 26th falls on a weekend or public holiday, the deadline moves to the preceding business day. Late contributions attract 1.5% monthly penalty interest. For self-employed individuals, MediSave contributions are due annually by April 15 for the previous year’s trade income.
The CPF contribution rate for employees aged 55 and below is 20% from the employee and 17% from the employer. Rates are tiered by age and wages. Check the CPF Board website for your specific bracket. Set up GIRO with your employer or CPF Board to ensure automatic monthly contributions. Our CPF top-up tax relief article explains how voluntary top-ups reduce your tax bill.
SRS Contribution and Withdrawal Deadlines
The Supplementary Retirement Scheme (SRS) is a voluntary savings scheme offering tax benefits. The 2026 contribution deadline is December 31. Singapore citizens and permanent residents can contribute up to $15,300 per year, while foreign employees can contribute up to $35,700. Each dollar contributed reduces your taxable income by the same amount, making this deadline one of the most valuable on the calendar.
SRS Withdrawal Window
The penalty-free withdrawal window runs from January 1 to March 15 each year. During this window, only 50% of withdrawals are taxed at your prevailing income tax rate. Withdrawals outside this window incur a 5% penalty plus the 50% taxation. For retirees with low income, effective tax on penalty-free withdrawals can be zero. Read our SRS top-up strategy for advanced planning.
Property Tax Deadlines
Owner-occupied residential property tax is due January 31, 2026. Non-owner-occupied property tax is due February 28, 2026. You can set up GIRO for monthly instalments to avoid a large lump-sum payment. The Annual Value (AV) is reviewed annually by IRAS, with bills sent by November or December each year.
Property Tax Rates
Owner-occupied properties are taxed at progressive rates from 0% up to 32% for AV exceeding $100,000. Non-owner-occupied properties are taxed at 12% on the first $30,000 of AV and up to 36% on higher values. Lodge an appeal with IRAS within 30 days of receiving your Notice of Assessment if you believe the AV has been overestimated.
GST Filing and Payment Deadlines
GST-registered businesses must file returns and pay on the 26th of the month following each taxable period. Businesses with annual turnover exceeding $1 million file monthly; those below $1 million can apply for quarterly filing. Quarterly deadlines in 2026 are April 26 (Jan-Mar), July 26 (Apr-Jun), October 26 (Jul-Sep), and January 26, 2027 (Oct-Dec). Late GST filing attracts a 5% penalty plus 2% per month on outstanding amounts.
Set up GIRO for GST payments through the myTax Portal to avoid late fees. Log in to manage your filing schedule and payment arrangements.
Company Annual Return and ACRA Deadlines
All Singapore-registered companies must file an Annual Return with ACRA within 30 days after the Annual General Meeting (AGM). The AGM must be held within six months of the financial year end. For example, a company with a December 31, 2025 year end must hold its AGM by June 30, 2026, and file by July 30, 2026. Late filing incurs a $300 penalty for the first month and $50 per subsequent month. File through ACRA’s BizFile+ portal.
Complete Financial Calendar Table
| Month | Deadline | Details |
|---|---|---|
| January | January 1 | SRS penalty-free withdrawal window opens |
| January | January 31 | Property tax due (owner-occupied) |
| February | February 26 | GST filing (monthly filers, for January) |
| February | February 28 | Property tax due (non-owner-occupied) |
| March | March 15 | SRS penalty-free withdrawal window closes |
| April | April 15 | Self-employed CPF MediSave contribution (for 2025 income) |
| April | April 18 | Personal income tax filing deadline (paper return) |
| April | April 26 | GST filing (quarterly filers, Jan-Mar; monthly filers, March) |
| May | May 4 | Personal income tax e-filing deadline |
| May | May 26 | GST filing (monthly filers, April) |
| June | June 26 | GST filing (monthly filers, May) |
| July | July 26 | GST filing (quarterly filers, Apr-Jun; monthly filers, June) |
| August | August 26 | GST filing (monthly filers, July) |
| September | September 26 | GST filing (monthly filers, August) |
| October | October 26 | GST filing (quarterly filers, Jul-Sep; monthly filers, September) |
| November | November 26 | GST filing (monthly filers, October) |
| December | December 26 | GST filing (monthly filers, November) |
| December | December 31 | SRS contribution deadline; CPF voluntary top-up deadline for tax relief |
FAQ
What is the penalty for filing personal income tax late?
IRAS imposes a $200 late filing penalty for individuals, plus a 5% late payment penalty on unpaid tax, rising by 1% per month for up to 12 months. File on time even if you cannot pay the full amount immediately.
Can I make CPF voluntary top-ups after December 31 to claim tax relief?
No. The deadline is December 31 of the relevant year. Top-ups made on January 1 or later will not count towards that year’s tax relief. Complete your top-ups by early December to avoid processing delays.
How do I set up GIRO for tax payments?
Log in to the IRAS myTax Portal with your Singpass, navigate to My Tax Accounts, and select GIRO Application. Approval typically takes five to seven working days. Property tax GIRO can also be set up via the IRAS website.
What happens if I withdraw from SRS outside the penalty-free window?
You pay a 5% penalty on the amount withdrawn, plus 50% of the withdrawal is taxed at your marginal income tax rate. For example, withdrawing $10,000 results in a $500 penalty and $5,000 added to your taxable income.
Do I need to file personal income tax if I am on No-Filing Service?
No, but you must still pay any tax due by April 18. Check your Notice of Assessment and pay via IRAS e-Payment or GIRO. If your income has changed, file a return to update IRAS by June 15.
When is the deadline for company annual return filing with ACRA?
Within 30 days after the AGM. The AGM must be held within six months of the financial year end. A company with a December 31 year end must hold its AGM by June 30 and file the Annual Return by July 30, 2026.
Key Takeaways
- Personal income tax filing: April 18 (paper) and May 4 (e-filing) for YA2026.
- CPF contributions are due by the 26th of each month; set up GIRO to avoid penalties.
- SRS contributions deadline is December 31; penalty-free withdrawal window runs January 1 to March 15.
- Property tax is due January 31 (owner-occupied) and February 28 (non-owner-occupied).
- GST returns are due on the 26th of the month following each taxable period.
- Company Annual Return must be filed within 30 days after the AGM with ACRA.
- Voluntary CPF top-ups for tax relief must be completed by December 31 each year.
Conclusion
Singapore’s financial calendar for 2026 is structured and predictable, making planning both possible and essential. Every deadline – from tax filing and CPF contributions to SRS top-ups and ACRA annual returns – has a direct impact on your finances. Missing even one date can result in penalties, lost tax savings, or unnecessary stress.
Calendar every deadline, set reminders two weeks in advance, and automate payments through GIRO. Use the myTax Portal for tax filing and BizFile+ for corporate filings. Most importantly, maximise tax relief by completing CPF top-ups and SRS contributions before December 31 each year. For tax planning strategies, visit our tax planning guide. To build a structured savings plan alongside your CPF and SRS contributions, check out our salary savings plan.
This article was written by the SeaMoneyTips Editorial Team, focused on personal finance education for Singapore and Indonesia readers. For inquiries, please contact us.
Related: Singapore Tax Planning Guide 2026
Related: Singapore Tax Filing Guide 2026