CPF Contribution Calculator (2026)

If you are a Singapore citizen aged 55 and below, you contribute 20% of your monthly ordinary wages to CPF. Your employer contributes an additional 17%, for a total of 37%. Rates decrease progressively for older age groups.

From 1 January 2026, the CPF Ordinary Wage (OW) ceiling is $8,000 per month (up from $6,800 previously). This means CPF contributions are calculated on monthly wages up to $8,000 only. The Annual Wage Ceiling is $102,000.

Total CPF is calculated by multiplying your capped ordinary wage ($8,000 max) by the total contribution rate for your age group. The employee share is always rounded down to the nearest dollar, and the employer share is the difference between the total and employee amounts.

Yes. For employees aged 55 and below, the employer contributes 17% on top of the 20% employee contribution. Employer contributions are not deducted from your salary — they are an additional cost borne by the employer.

CPF contributions are allocated across three accounts: Ordinary Account (OA) for housing and education, Special Account (SA) or Retirement Account (RA) for retirement, and MediSave Account (MA) for healthcare. The allocation ratio depends on your age group.

New Singapore Permanent Residents use graduated CPF rates for the first two years. In the first year, employees contribute 5% and employers contribute 4%. In the second year, employees contribute 15% and employers contribute 8%. From the third year onwards, rates are the same as Singapore Citizens — 20% (employee) + 17% (employer) for those aged 55 and below. The first and second year are counted from the date of obtaining PR status.

Self-employed persons (SEPs) are not required to make mandatory CPF contributions to the Ordinary or Special Account. However, SEPs with net trade income above $6,000 per year must make mandatory MediSave contributions. The amount depends on age and net trade income. Voluntary contributions to OA and SA are allowed and may qualify for tax relief under the CPF Cash Top-Up Relief scheme.

For employees aged 55 and below, 20% of your monthly ordinary wages is deducted as your CPF contribution, and your employer adds another 17% on top — a total of 37% going into your CPF accounts. The percentage falls in older age bands: 15% + 15.5% for ages 55–60, 9.5% + 10.5% for 60–65, and lower again above 65. CPF only applies to wages up to the $8,000 monthly ceiling.

Your CPF deduction is 20% of your ordinary wages (capped at $8,000/month) if you are aged 55 or below. For example, a $5,000 salary means a $1,000 employee CPF deduction, leaving $4,000 take-home pay. A $9,000 salary is capped at $8,000 for CPF, so the deduction is $1,600. Enter your salary above to see the exact figure for your age and residency status.

CPF is calculated on your Ordinary Wages (OW), which include your basic salary plus fixed monthly allowances and overtime for the month. One-off payments such as annual bonus or commission are treated as Additional Wages (AW) and are subject to CPF separately, up to the $102,000 Annual Wage Ceiling. CPF is not calculated on reimbursements or genuine expense claims.

No CPF is payable on monthly ordinary wages above the $8,000 ceiling. If you earn $10,000 a month, CPF is calculated only on the first $8,000 — the remaining $2,000 is paid to you in full with no CPF deduction or employer contribution. The ceiling rose to $8,000 from 1 January 2026 as the final step of a phased increase.