Home / Free tools / SGD to MYR salary calculator
SGD to MYR Salary Calculator: Singapore vs Malaysia
Change Singapore dollars to ringgit, or back, at the latest Bank Negara Malaysia rate. Then see what a Singapore job really leaves you each month after the Causeway, next to a job in Malaysia.
Rates checked 12 Nov 2026Source: Bank Negara Malaysia, 5:00pm rate, 12 Nov 2026 (terms of use). Banks and money changers quote their own rates. SyncTech is not linked to Bank Negara.
Singapore job or Malaysian job?
Type your own monthly figures. Use pay after tax and any CPF or EPF, so both sides show what reaches your account.
Your own figures, converted at the rate shown. Nothing you type is saved or sent.
Questions about Singapore pay in ringgit
How much is S$4,000 in ringgit?
At Bank Negara Malaysia's 12:00pm middle rate on 12 November 2026, RM3.1781 for S$1, S$4,000 is RM12,712.40. A bank buying your Singapore dollars at its rate of RM3.1764 gives RM12,705.60. Going the other way, RM1,000 buys S$314.49 at the bank selling rate of RM3.1798. The calculator above uses the latest Bank Negara rate.
Which rate should I use: middle, bank or money changer?
The middle rate is the fair value between the interbank buying and selling rates, so use it to compare salaries. When a bank changes your Singapore dollars into ringgit it pays its buying rate, which gives you a little less; when you buy Singapore dollars it charges its selling rate. Money changers and remittance apps set their own rates: type the rate they quote, or the percentage they take off, to see what you really get.
Do Malaysians working in Singapore contribute to CPF or EPF?
Not on a work pass. Employment Pass, S Pass and Work Permit holders do not pay CPF. Malaysians who become Singapore permanent residents do, at lower rates in their first two years; from 1 January 2026 the full rates for those aged 55 and below are 20% from the employee and 17% from the employer. EPF (KWSP) is not deducted from a Singapore salary, but you can still pay into your EPF account yourself.
Do Malaysians working in Singapore pay tax in Malaysia?
Pay for work done in Singapore is taxed in Singapore by IRAS. Malaysia exempts foreign-sourced income received by resident individuals until 31 December 2036 (P.U.(A) 451/2024), as long as it was taxed where it was earned, so you normally pay no Malaysian tax on it. Singapore tax is not worked out here: enter the pay you take home after tax.
Is it worth working in Singapore and living in JB?
It depends on what it costs you to make it work. Enter the Singapore pay you take home, what you spend in Singapore dollars (food, MRT, phone) and in ringgit (rent in JB, Causeway tolls, petrol or bus fares), and the Malaysian offer. The calculator shows what each job leaves you each month, and the Malaysian pay that would leave you the same. We do not fill in average costs: there is no official price comparison between Singapore and Johor Bahru, and your own numbers are better.
When does Bank Negara update the SGD rate?
On Malaysian business days at 9am, 12pm and 5pm, from the interbank market in Kuala Lumpur. At weekends and on public holidays the last business day's rate stays. The 11:30am rates are banks' own counter rates, so they are not used here.
Sources
- Bank Negara Malaysia exchange rates, through the BNM Open API: bnm.gov.my. Source: Bank Negara Malaysia, under the terms of use for BNM datasets.
- CPF Board, contribution rates from 1 January 2026: cpf.gov.sg
- Income tax exemption order P.U.(A) 451/2024, gazetted 24 December 2024, on foreign-sourced income of resident individuals until 31 December 2036.
A general estimate, not financial or tax advice. Rates move during the day and banks charge their own.
More free calculators
Free tools from a Johor Bahru web company
SyncTech builds and looks after websites, hosting and business email for Malaysian companies. If your business needs a website or email that just works, talk to us.