In Singapore, we can pay our income tax in instalments, without any interest. So naturally that's the default payment method for most people including this uncle. IRAS will serve you your tax notice, and with it, if you already have GIRO set up, the instalment payments per month, down to the exact cents. Based on my personal experience, the instalment starts in May the following year your earned income. E.g. you start paying income tax from May 2026 for your assessed income in CY 2025. For GIRO deduction, it happens around 6th of each month. So, you will still be paying instalments up to 6th April 2026 for income tax you pay on your earned income in CY 2024. So, uncle retired just after mid 2024, so uncle was still paying a mid 4-figure instalment for 2024 income. And today is the last day of that instalment! Hooray! So is uncle income tax free? well, not really, but closer than ever. Uncle did some short term job in the last 3 months in 2025 going into first mon...