IRAS Notice of Assessment Explained: If you live and work in Singapore, understanding your IRAS Notice of Assessment (NOA) is essential for managing your taxes efficiently. The NOA is an official document issued by the Inland Revenue Authority of Singapore (IRAS) that outlines your income, tax deductions, chargeable income, and the tax payable for a given Year of Assessment (YA). Whether you’re applying for a loan, planning your finances, or verifying your tax contributions, this document is your go-to source.
In this article, we’ll explain what the IRAS NOA is, how to read and retrieve it, and why it matters. You’ll also learn how to access it instantly through IRAS’ digital platforms.
IRAS Notice of Assessment Explained
| Feature | Details | Source |
|---|---|---|
| What is an NOA? | Official statement of income, deductions, and tax payable from IRAS | IRAS |
| How to Access It | Log in to myTax Portal with your Singpass | IRAS |
| Availability | Access current and past 4 years of NOAs instantly | IRAS |
| Notification Options | SMS and email alerts available upon subscription | IRAS |
| Common Use Cases | Required for bank loans, housing applications, financial aid, and visa processing | Financial institutions, government agencies |
| Document Format | Downloadable as a PDF or viewable online | IRAS |
| Requesting Older NOAs | Older than 4 years available upon request, may include admin fees | IRAS – Document Requests |
The IRAS Notice of Assessment is more than just a tax bill—it’s a vital record that helps you track income, qualify for financial products, and prove tax compliance in Singapore. With IRAS embracing digital services, retrieving your NOA has never been easier. Make it a habit to check myTax Portal regularly, especially around tax season. Whether you’re managing personal finances, applying for a home, or verifying income, your NOA is a critical tool.
What Is the IRAS Notice of Assessment?
The Notice of Assessment (NOA) is your annual income tax bill. It provides a detailed breakdown of:
- Your assessable income
- Deductions and reliefs claimed
- Chargeable income (the amount you’ll actually be taxed on)
- Tax payable (the amount of tax owed for that year)
IRAS issues the NOA after you file your annual income tax return. For employees, this is often done through Auto-Inclusion Scheme (AIS) by employers. If you’re self-employed, a landlord, or a sole proprietor, you’ll need to file manually.
Understanding your NOA is crucial for tax compliance, personal budgeting, and meeting financial obligations such as housing loans or visa renewals.
Why Is Your NOA Important?
Your NOA serves as proof of your financial standing and is often required when:
- Applying for bank loans (housing, personal, car loans)
- Renting a flat or applying for an HDB unit
- Applying for a visa or permanent residency
- Submitting income documentation to government schemes
- Validating tax filing accuracy
It also gives you an opportunity to spot discrepancies and appeal if your tax bill seems inaccurate.
Access Your IRAS NOA Instantly
You can access your NOA in under 5 minutes if you have your Singpass login credentials.
IRAS Notice of Assessment Explained Guide:
- Go to myTax Portal and log in using your Singpass.
- Navigate to the ‘Notices/Letters’ section.
- Choose ‘Individual’ > ‘Income Tax’ > ‘Notice of Assessment’.
- Select the Year of Assessment you wish to retrieve.
- Download or view your NOA in PDF format.
Tip: You can also retrieve NOAs for the past four YAs. Older records require a formal request.
Read Your NOA – Understanding the Sections
The NOA includes several key components:
1. Year of Assessment (YA)
- Refers to the year in which income earned in the previous calendar year is assessed.
2. Income Details
- Lists employment income, self-employed earnings, rental income, and other sources.
3. Deductions and Reliefs
- Includes CPF contributions, spouse and child relief, NSman relief, and more.
4. Chargeable Income
- Your income after all allowable deductions.
5. Tax Payable
- The final tax amount due, inclusive of any penalties or rebates.
Understanding this information ensures you’re not under- or overpaying your taxes.
Receiving Alerts and Notifications
To stay on top of your tax notices, enable notifications via myTax Portal:
- Log into myTax Portal
- Go to ‘Update Contact Details’
- Add your mobile number and email address
- Opt-in for SMS and email alerts for new notices
This ensures you’ll never miss important updates, such as your NOA issuance or payment reminders.
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Request Older NOAs (More Than 4 Years)
If you need access to tax documents from more than four years ago, you’ll need to request them through IRAS directly.
Here’s how:
- Visit the IRAS Document Request Page
- Choose the type of document (e.g., Notice of Assessment)
- Submit a request via Live Chat or email
- Prepare to pay a document retrieval fee (if applicable)
Common Use Cases for an IRAS NOA
Knowing when and why you need your NOA can save time and avoid delays.
Examples:
- Applying for a Home Loan: Banks require at least 1 year’s NOA to assess repayment ability.
- Applying for a Visa or PR: The NOA validates your local income.
- Government Assistance: Some schemes (e.g., CHAS, Workfare) require recent NOAs.
- Proof of Income: For private rentals, insurance, or school applications.
FAQs On IRAS Notice of Assessment Explained
Q1: What if I didn’t receive a hard copy of my NOA?
A: IRAS has moved to digital communications. Check myTax Portal instead. You may request a hard copy if necessary.
Q2: Can I dispute the figures in my NOA?
A: Yes. You must file an objection within 30 days of the NOA issuance via myTax Portal.
Q3: How long should I keep my NOAs?
A: Retain them for at least 5 years for auditing and reference purposes.
Q4: Can I authorize someone to access my NOA?
A: Yes. You can appoint a tax agent or provide written authorization to a representative.
Q5: Is the NOA the same as the Income Tax Return (Form B/B1)?
A: No. The Income Tax Return is what you file. The NOA is the assessment issued by IRAS based on your filing.
