No-Pay Leave Calculator Singapore
See how much salary you lose for no-pay leave in a month, and what it does to your CPF and take-home pay, using MOM’s incomplete-month method.
The total payable for one month’s work, including allowances in your contract. Leave out overtime and bonuses.
The calendar month, as YYYY-MM.
Sunday is the rest day. Public holidays on a working day count as working days.
Only working days count. Use 0.5 for a half day.
Used for CPF rates. Singapore Citizens and PRs in their third year onwards.
What no-pay leave costs
- Pay per working day
- $181.82
- Working days in the month
- 22
- Your CPF reduced by
- −$110.00
- Employer CPF reduced by
- −$92.00
- Take-home with no unpaid leave
- $3,200.00
Pay is the monthly gross rate of pay divided by the month’s working days, times the days worked. CPF is worked out on the reduced pay, so it falls with your wage.
In-depth guide
No-pay leave in Singapore: what it costs in salary and CPF
How salary is deducted for no-pay leave under MOM's incomplete-month method, and how the lower pay reduces CPF and take-home.
Key figures at a glance
- Treated as an incomplete month
- Monthly-rated full-time employees
- Taking no-pay leave for the month is treated as working an incomplete month.
- Source: MOM
- Method
- Monthly gross ÷ working days in the month × days worked
- The deduction is full pay less this amount.
- Source: MOM
- CPF
- Worked out on the pay actually received
- The calculator uses the same CPF rates as the take-home pay calculator.
- Source: CPF Board
What no-pay leave costs
For a monthly-rated full-time employee, no-pay leave is an incomplete month. Pay for the month is the monthly gross rate of pay ÷ working days in the month × days worked, so each no-pay working day removes one day's share.
The CPF effect
CPF is worked out on the pay you actually receive, so a lower wage means lower contributions from both you and your employer. The calculator shows the CPF with and without the leave, and your take-home after your CPF.
Worked example
| Item | Amount |
|---|---|
| $4,000 a month, October 2026, 5-day week, 3 no-pay days | 22 working days, $181.82 a day |
| Salary deducted | $545.45 |
| Gross pay after deduction | $3,454.55 |
| CPF at age 30: total, before and after | $1,480 → $1,278 |
| Your share of CPF lost | $110 |
| Take-home | $2,764.55 instead of $3,200 |
Half days and week patterns
Use 0.5 for half a day. On a 5.5-day week a Saturday counts as half a working day; on a 6-day week it is a full day. Sundays are rest days.
Not covered
This calculator does not change annual leave or any other leave entitlement. Check your contract and MOM's guidance for those.
Common mistakes
- Dividing by 30. MOM divides by the month's working days.
- Forgetting the CPF drop. Your CPF and your employer's fall with your pay.
- Counting rest days. Sundays do not count as no-pay days.
Related tools
- Prorated salary calculator — joiners and leavers.
- Take-home pay calculator — gross to net with CPF.
- CPF contribution calculator — CPF by age and wage.
Frequently asked questions
How is salary deducted for no-pay leave?
A monthly-rated employee is treated as working an incomplete month: monthly gross rate of pay divided by the working days in the month, multiplied by the days worked.
Do public holidays count?
Yes. Working days include public holidays that fall on a normal working day.
Does no-pay leave reduce my CPF?
Yes, because CPF is worked out on the pay you actually receive. This calculator shows the reduction.
Can I take half a day of no-pay leave?
Enter 0.5 working days.
Is a month’s no-pay leave treated differently?
MOM treats a whole month of no-pay leave as an incomplete month too, with no days worked.
Is this exact?
It is an estimate. Your employer’s payroll decides the final amount.
Sources
- MOM — How to compute the salary of an employee on no-pay leave for the month — No-pay leave is an incomplete month (page updated 14 Mar 2024).
- MOM — Calculate pay for an incomplete month of work — Working days and how the pay is worked out (page updated 8 Dec 2025).
- MOM — Monthly and daily salary — Gross rate of pay and working-day definitions (page updated 8 Dec 2025).
This guide explains published rules in plain language. It is not financial, legal or official advice — rules change, so confirm with the agency linked above before you commit.