Singapore CPF Calculator
Estimate your CPF contribution and take-home pay under the 2026 rate table.
Estimate only. Not financial advice — confirm with the CPF Board.
How CPF contributions work
The Central Provident Fund (CPF) is Singapore's mandatory savings scheme for citizens and permanent residents. Each month, a percentage of your wages is split between an employer contribution (paid on top of your salary, at no cost to you) and an employee contribution (deducted from your gross pay). Together they land in your CPF accounts — Ordinary, Special or Retirement, and MediSave — funding retirement, healthcare, and housing.
The combined rate depends entirely on your age. Younger workers contribute the most (37% of wages total), and the rate steps down as you cross 55, 60, 65, and 70 — reflecting a shift toward drawing down CPF savings rather than building them.
The full 2026 rate table
| Age | Employer | Employee | Total |
|---|---|---|---|
| 55 and below | 17% | 20% | 37% |
| Above 55–60 | 16% | 18% | 34% |
| Above 60–65 | 12.5% | 12.5% | 25% |
| Above 65–70 | 9% | 7.5% | 16.5% |
| Above 70 | 7.5% | 5% | 12.5% |
These rates apply from 1 January 2026 to Singapore Citizens and PRs from their 3rd year of PR status, earning more than S$750/month. New rates apply from the first day of the month after you cross an age milestone — turn 55 on 20 March, and the higher band starts 1 April, not on your birthday itself.
The wage ceiling most calculators get wrong
CPF isn't charged on your entire salary. Only the first S$8,000 of monthly wages (the Ordinary Wage ceiling, raised from S$7,400 at the start of 2026) attracts CPF. Earn S$12,000 a month, and CPF is still calculated on just S$8,000 — the remaining S$4,000 is CPF-free. Bonuses and other "Additional Wages" have their own separate annual ceiling.
First- and second-year Permanent Residents contribute at lower graduated rates rather than the full-rate table above — this calculator covers 3rd-year-onward PRs and citizens. If you're in your first two years as a PR, check the CPF Board's graduated-rate table directly.
FAQ
Do foreigners on work passes contribute to CPF?
No. CPF applies only to Singapore Citizens and Permanent Residents — foreign employees on Employment Passes, S Passes, or work permits don't contribute.
Why does the employer share matter to me if I don't see it on my payslip?
It's still money going into your own CPF account every month — it's just paid by your employer on top of your gross salary rather than deducted from it, so it doesn't reduce your take-home pay.