Singapore citizen or PR
tax reduction of up to
COMPLIMENTARY TAX REVIEW · 35 DAYS LEFT · 10 SLOTS
See if you can pay less income tax. Legally.
6 of 10 taken
Book a free review with an appointed representative of Alpha Wealth Financial Advisers Pte. Ltd. You'll go through the reliefs you may qualify for, such as SRS contributions, and what each one could mean for your tax bill.
Illustrative: a foreigner with $200,000 chargeable income making a full $35,700 SRS contribution takes tax from $21,150 to $14,724. Citizens and PRs have a lower ceiling. Singapore tax resident, within the $80,000 personal relief cap. IRAS rates, YA 2027.
Who this is for
Earn more than
$100,000 annually?
If yes, this is worth your time.
Above $100,000, your top slice of income is taxed at 11.5% or more. Move part of it into a government-run retirement scheme before 31 December and that slice leaves this year's assessment.
1.0%
the lowest rate your top slice is taxed at
31 Dec
the deadline to move it
$1 to $1
what people in this bracket stop paying
Most people we speak to have never opened the account.
- ✓You earn $100,000 a year or more
- ✓You're a Singapore citizen, PR, or on an EP or S Pass
- ✓You're a Singapore tax resident for this year of assessment
Earning under $100,000? The review will still show you where you stand, but the savings will be small. Our content will do more for you than a call would.
Book the 30 minute review →What you could save
Your ceiling depends on your status
EP holder
tax reduction of up to
$1
S Pass holder
tax reduction of up to
$1
Illustrative, based on a full contribution and IRAS resident rates for YA 2027. Foreigners share the same higher limit, so an EP and an S Pass holder on the same income save the same amount. Your own figure depends on your income and the reliefs you already claim.
There's nothing clever going on here. These are deductions IRAS publishes, with limits set by law. What varies is how much room you have left.
What you get
What actually happens in 30 minutes?
You do most of the talking for the first five minutes while an appointed representative of Alpha Wealth Financial Advisers Pte. Ltd. reads your assessment. You leave with a figure that applies to you.
1
What's left of your $80,000 cap.
Most people have no idea what this number is.
2
Your number, in dollars.
What comes off next year's bill if you use your SRS room.
3
Reliefs you aren't claiming.
CPF top-ups, donations, parent and child reliefs.
4
What to do and by when.
Which bank, the cut-off date, how much to move.
You leave with a one-page summary of your own figures, by email.
No product is pitched on the call.
Why now
Why this can't wait until January
Tax works a year behind. What you do before 31 December changes the bill you get in 2027.
Your complimentary review
1days left to book
Bookings close 30 November. Booking now leaves time to open an SRS account, which can take up to a week.
TODAY
31 DEC, 7PM
Money in, tax reduced
Contributions must land this day to cut your 2027 bill. DBS and UOB close at 7pm, OCBC at 9pm.
APR 2027
Your tax bill arrives
Lower, because of what you did in December.
Regulatory Disclosure
Five Cents is operated by NORFH PTE LTD (UEN: 202616626E). NORFH cannot provide financial advice. Reviews are conducted by an appointed representative of Alpha Wealth Financial Advisers Pte. Ltd. NORFH pays for and benefits from this advertisement. Your details are passed to Alpha Wealth Financial Advisers Pte. Ltd. and to nobody else.
The content on this page is general information and does not constitute financial, tax or investment advice. Your adviser is licensed to provide financial advice, not tax advice, and will not file your tax return. Tax relief depends on your personal circumstances. SRS contributions are irreversible and are not refunded. Withdrawals before the statutory retirement age are fully taxable and attract a 5% penalty. Investments made with SRS funds carry risk and may lose value.
No purchase is required to attend the review and no product is sold during the session.
Past winners
Real people, real wins.
Launch Campaign
iPad A16
Worth S$635
Campaign ran 1 June 2026 to 31 July 2026 · Drawn 7 August 2026
Bookings close 30 Nov · 10 slots total · SRS deadline 31 Dec
Claim one of the 10 complimentary slots
A note from us
Why we are doing this
Knowing the SRS deadline exists and knowing your own number are different things. Only one of them lowers your bill.
Every January someone messages us after opening their tax bill, works out they could have paid less, and asks if it's too late. It is. The window shut on 31 December.
So we asked an appointed representative of Alpha Wealth Financial Advisers Pte. Ltd. to open ten slots and do the sums with you properly, before the deadline. Thirty minutes, complimentary, no products sold, no pestering. If the review says you're already maxed out, that's a real answer too.
That's just our 5 cents.