---
type: "Topics"
locale: "en"
url: "https://longbridge.com/en/topics/100000000935172.md"
description: "Iggy’s Journal: A S$15,300 SRS Top-Up Saves S$456 at One Income and S$3,060 at Another. Which One Is Yours?Tue 13 Oct 2026 | AfternoonThe NumbersThe same S$15,300 SRS contribution saves S$456 in tax at S$40,000 of chargeable income and S$3,060 at S$320,000. The amount put in is identical. The saving is decided by the tax band the contribution comes out of. The exit matters as much as the entry.SRS cash earning 0.05% sits against a six-month T-bill that cleared at 1.9% on 8 October 2026.My Personal TakeS$456 is 3.0% of S$15,300 and S$3,060 is 20.0%, so the same contribution returns about 6.7 times as much at the higher income. Idle cash is the second sum. S$15,300 at 0.05% earns S$7.65 a year, and at 1.9% it earns S$290.70, a gap of S$283.05 each year. Relief arrives once, and the yield gap recurs every year the cash sits there. In the episode I set the two against each other at both incomes.📺 Free YouTube: https://youtu.be/2b0VT28bbY4⭐ Members Edition YouTube: https://youtu.be/50WKGScEsLI📩 Substack: https://investingiguana.com/p/a-s15300-srs-top-up-saves-s456-atNot financial advice. Iggy’s Forensic Compliance Standards apply."
datetime: "2026-10-13T09:26:51.000Z"
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  - [en](https://longbridge.com/en/topics/100000000935172.md)
  - [zh-CN](https://longbridge.com/zh-CN/topics/100000000935172.md)
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author: "[TheInvestingIguana](https://longbridge.com/en/profiles/22116548.md)"
generator: "portal-rs"
---

# Iggy’s Journal: A S$15,300 SRS Top-Up Saves S$456 …


## Comments (1)

- **Christina · 2026-10-13T10:38:25.000Z · 👍 1**: the exit has a fixed shape worth adding to the sum, only half of each withdrawal after the statutory age is taxable and it spreads over ten years.


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> **Disclaimer: This article is for reference only and does not constitute any investment advice.**