Tax planning starts with the correct year of assessment. A deduction cap is not automatic eligibility, and old online figures can easily belong to another year.
Organise before estimating
Collect income records, family-allowance information, MPF and TVC records, qualifying annuity, VHIS and donation receipts, plus evidence for any home-loan-interest or domestic-rent claim. Confirm current conditions and limits directly with the Inland Revenue Department.
Treat the calculator as a planning check
Use the Salaries Tax Calculator with figures supported by records, then review each eligibility rule. Provisional tax can appear alongside final tax, so a larger demand is not necessarily tax charged twice. For TVC or QDAP, decide whether the retirement product suits the plan first, then assess the deduction with the QDAP/TVC Calculator.