9 April 2026
CPF Contribution Rates Explained: How Much You and Your Employer Actually Pay
CPF contribution rates in Singapore depend on your age, residency status, and wage type. This guide breaks down exactly how much goes into your CPF account each month.
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What Is CPF?
The Central Provident Fund (CPF) is Singapore's mandatory social security savings scheme. Both employees and employers contribute a percentage of the employee's wages into three CPF accounts: Ordinary Account (OA), Special Account (SA), and MediSave Account (MA).
These funds are used for housing, retirement, and healthcare — making CPF one of the most comprehensive social security systems in the world.
Current CPF Contribution Rates (2025)
Rates are tiered by age and apply to Singapore Citizens and Permanent Residents (PRs have graduated rates in their first two years).
Employees Aged 55 and Below
| Contributor | Rate |
|---|---|
| Employee | 20% |
| Employer | 17% |
| Total CPF | 37% |
This is the most common bracket. If you earn S$4,000/month, a total of S$1,480 goes into your CPF (S$800 from you, S$680 from your employer).
Employees Aged 55–60
| Contributor | Rate |
|---|---|
| Employee | 15% |
| Employer | 15% |
| Total CPF | 30% |
Employees Aged 60–65
| Contributor | Rate |
|---|---|
| Employee | 9.5% |
| Employer | 11.5% |
| Total CPF | 21% |
Employees Above 65
| Contributor | Rate |
|---|---|
| Employee | 7% |
| Employer | 9% |
| Total CPF | 16% |
The Ordinary Wage (OW) Ceiling
CPF contributions only apply to wages up to the Ordinary Wage ceiling of S$7,400/month (increasing to S$8,000 from January 2026). Wages above this are not subject to CPF contributions for that month.
How Contributions Are Split Across Accounts
Your CPF contribution is divided into three accounts based on your age:
| Age | OA | SA | MA |
|---|---|---|---|
| 35 and below | 23% | 6% | 8% |
| 35–45 | 21% | 7% | 9% |
| 45–55 | 19% | 8% | 10% |
| 55–60 | 15% | 1.5% | 10% |
| 60–65 | 12% | 1% | 8% |
(Percentages are of total wages, combining employee + employer contributions.)
PRs in Their First Two Years
Singapore PRs in their first year of PR status pay reduced rates — typically 5% (employee) and 4% (employer). In the second year, this steps up before reaching full rates in year three.
What About Self-Employed?
Freelancers and self-employed individuals are only required to contribute to MediSave, not to OA or SA. The amount depends on net trade income and ranges from 8.5% to 10.5%.
Key Takeaway
Knowing your CPF rates helps you plan your savings, understand your cost to your employer, and make informed decisions about salary negotiations. Use our CPF Contribution Calculator to see exactly how much flows into each account based on your age and salary. Want to see how contributions are split across OA, SA, and MA? Try the CPF Allocation Calculator.
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