Singapore · CPF
Singapore CPF contribution calculator.
Enter age and monthly wages for Singapore Citizens and Permanent Residents (third year onwards). See employee and employer CPF and pay after the employee share.
At age 55 and below the total is 37% of wages (20% employee, 17% employer) up to the S$8,000 monthly ceiling, a maximum of S$1,600 from you and S$1,360 from the employer. On S$5,000 a month: S$1,000.00 employee, S$850.00 employer, take-home S$4,000.00.
Inputs
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Result
Fill the form and press Calculate CPF.
Worked example
Age 30, ordinary wages S$5,000.00. Total CPF = 37% × 5,000 = S$1,850.00; employee share 20% = S$1,000.00; employer share = S$1,850.00 − S$1,000.00 = S$850.00. Take-home before tax = S$4,000.00. Above S$8,000.00 of monthly ordinary wages no more CPF is due on the excess.
CPF contribution rates from 1 January 2026
Singapore Citizens and Permanent Residents in their third year of PR status onwards, monthly wages above S$750.
| Age | Total | Employer | Employee | Maximum on ordinary wages (employee) |
|---|---|---|---|---|
| 55 and below | 37% | 17% | 20% | S$1,600 |
| Above 55 to 60 | 34% | 16.000000000000004% | 18% | S$1,440 |
| Above 60 to 65 | 25% | 12.5% | 12.5% | S$1,000 |
| Above 65 to 70 | 16.5% | 9.000000000000002% | 7.5% | S$600 |
| Above 70 | 12.5% | 7.5% | 5% | S$400 |
Lower wages: nothing at S$50 or less a month; the employer alone pays the total rate on wages above S$50 to S$500; between S$500 and S$750 the employee pays a share that phases in from nil. Rounding follows the CPF Board’s steps: total contribution to the nearest dollar, employee share rounded down, employer share the difference. Figures can differ by a dollar from the Board’s own calculator where ordinary and additional wages are paid in the same month.
Not modelled: Permanent Residents in their first or second year (graduated rates, unless the employer and employee jointly apply for full rates), the annual S$102,000 limit across months other than the simple assumption stated above, and the Board’s rates for years after 2026. Rates for older workers can change in later years; check cpf.gov.sg for the table in force.
Sources
Figures were read from these official pages in October 2026 (retrieved 15 October 2026). This tool is an independent estimate: it does not query any government system, is not affiliated with any tax authority, and does not verify anything with one. For a figure you will rely on, use the authority’s own calculator or tables.
- CPF Board: contribution rate table from 1 January 2026
- CPF Board: Ordinary Wage ceiling
- IRAS: CPF Relief for employees
FAQ
What is the CPF ordinary wage ceiling in 2026?
S$8,000 a month from 1 January 2026, up from S$7,400 in 2025. The annual salary ceiling stays at S$102,000.
What are the CPF contribution rates for 2026?
For employees aged 55 and below: 37% total, 17% employer and 20% employee. Rates fall with age, for example 34% for above 55 to 60 and 25% for above 60 to 65.
How much CPF is the maximum I pay a month?
At age 55 and below, S$1,600 on the S$8,000 ceiling (20%). At 55 to 60 it is S$1,440, 60 to 65 S$1,000, 65 to 70 S$600 and above 70 S$400.
Do these rates apply to new Permanent Residents?
No. They apply to Citizens and to PRs from the third year, or from earlier with a joint application for full rates. First- and second-year PRs have graduated rates not covered here.