CPF Contribution Calculator Singapore
CPF Contribution Calculator
Calculate employee and employer CPF contributions instantly · Based on CPF Board official rates effective 1 January 2026
Contribution rates differ for Permanent Resident (PR) employees depending on the year they obtained PR status and the contribution arrangement agreed with their employer. There are three types:
| Age | Employee | Employer | Total |
|---|---|---|---|
| 55 & below | 20% | 17% | 37% |
| Above 55 – 60 | 18% | 16% | 34% |
| Above 60 – 65 | 12.5% | 12.5% | 25% |
| Above 65 – 70 | 7.5% | 9% | 16.5% |
| Above 70 | 5% | 7.5% | 12.5% |
| Age | Employee | Employer | Total |
|---|---|---|---|
| 55 & below | 5% | 4% | 9% |
| Above 55 – 60 | 5% | 4% | 9% |
| Above 60 – 65 | 5% | 3.5% | 8.5% |
| Above 65 | 5% | 3.5% | 8.5% |
| Age | Employee | Employer | Total |
|---|---|---|---|
| 55 & below | 5% | 17% | 22% |
| Above 55 – 60 | 5% | 16% | 21% |
| Above 60 – 65 | 5% | 12.5% | 17.5% |
| Above 65 – 70 | 5% | 9% | 14% |
| Above 70 | 5% | 7.5% | 12.5% |
| Age | Employee | Employer | Total |
|---|---|---|---|
| 55 & below | 15% | 9% | 24% |
| Above 55 – 60 | 12.5% | 6% | 18.5% |
| Above 60 – 65 | 7.5% | 3.5% | 11% |
| Above 65 | 5% | 3.5% | 8.5% |
| Age | Employee | Employer | Total |
|---|---|---|---|
| 55 & below | 15% | 17% | 32% |
| Above 55 – 60 | 12.5% | 16% | 28.5% |
| Above 60 – 65 | 7.5% | 12.5% | 20% |
| Above 65 – 70 | 5% | 9% | 14% |
| Above 70 | 5% | 7.5% | 12.5% |
Ordinary Wage ceiling: S$8,000/month · Annual wage ceiling: S$102,000 · Rates effective 1 January 2026 · Source: CPF Board
What is CPF Contribution?
Central Provident Fund (CPF) contributions in Singapore are calculated as a percentage of the overall monthly wages of an employee, split between the employee and their employer. This percentage depends on the employee’s age band and citizenship/PR status. For a Singapore Citizen aged 55 and below earning above S$ 750 a month, the contribution rate is 37% (20% from the employee and 17% from the employer), capped at an Ordinary Wage ceiling of S$8,000/month and an annual wage ceiling of S$102,000.
CPF Contribution Calculator
GetQuickInfo CPF Contribution Calculator generates CPF contributions pre-calculated based on latest CPF contribution rates from CPF Board effective 1 Jan 2026․ It helps you, Singapore Citizens, Singapore Permanent Residents (1st or 2nd year) and Employers easily compute CPF contributions as required under Graduated (G/G) or Full Employer/Graduated Employee (F/G) contribution rates!
CALCULATE EMPLOYEE AND EMPLOYER CPF CONTRIBUTIONS INSTANTLY. BASED ON CPF BOARD OFFICIAL RATES EFFECTIVE 1 JANUARY 2026.
Inputs required:
- Citizenship / PR Status - Singapore Citizen / 3rd Year PR and above, 1st Year PR, or 2nd Year PR.
- Birth Month and Year - Determines applicable age-band rate
- Payroll Month and Year - Determines which rate schedule applies
- Ordinary Wage (Monthly Salary) - Capped at S$8,000 OW ceiling
- Additional Wage (Bonus/Commission) - Leave Blank or 0 if none
Outputs generated:
- Total CPF Contribution
- Employee’s Share
- Employer’s Share
- Full contribution breakdown by account (Ordinary, Special, MediSave)
Rates reference: CPF Board, effective 1 January 2026
Why CPF Matters: A Quick Review
The Central Provident Fund is the backbone of Singapore’s social security system. Every month, a slice of employee wages, matched by the employer contribution, is set aside automatically into three ring-fenced accounts that fund housing, healthcare, and retirement. Unlike a simple savings account, CPF is mandatory, tax-advantaged, and structured. Therefore, the percentage you contribute shifts as you age, reflecting changing financial priorities across a working life. Understanding exactly how much will land in your account each payday (and how much your employer is required to put in) is critical, be it for negotiating a salary, running payroll, or planning for retirement.
How CPF Contributions Work in Singapore
CPF is a social security savings and pension scheme in which employees and employers each contribute a percentage of the employee's wages every month. These contributions are deposited into three accounts:
- Ordinary Account (OA): for housing, approved investments, and education
- Special Account (SA): for retirement and retirement-related investments
- MediSave Account (MA): for healthcare expenses and approved medical insurance
Contribution rates are based on age and citizenship status. Singapore Citizens and PRs in their 3rd year or beyond contribute at full rates. PRs in their 1st or 2nd year may contribute at lower graduated rates unless they jointly apply to the CPF Board for full or partially full rates.
How The Allocation Breaks Down By Account
While the total contribution rate is fixed by age band, the split between OA, SA, and MA shifts as you get older. Younger workers see a larger share routed to the Ordinary Account to support near-term goals like a first home. However, the Special Account and MediSave allocations increase progressively with age to strengthen retirement savings and prepare for higher anticipated healthcare needs later in life. This is why two employees earning the same salary but at different ages will see different amounts land in each of their three CPF accounts. This is the case even when the take-home pay calculation looks similar on paper.
CPF Ordinary Wage and Additional Wage Ceilings
Ordinary Wages (OW): your regular monthly salary is subject to a monthly wage ceiling of S$8,000 from 1 January 2026. CPF contributions on your monthly salary are computed on a wage level up to S$8,000, even if your actual salary is higher.
Additional Wages (AW): bonuses, commissions, and other non-recurring payments are subject to an annual ceiling of S$102,000 less than the Ordinary Wages already contributed for the year. This ensures total annual CPF contributions remain capped even for high bonus-earning employees.
Why The Ceiling Matters For High Earners
If your monthly salary exceeds S$8,000, it's worth understanding that the "extra" portion above the ceiling is not CPF-contributable. It just is not factored into either the employee or employer share. This matters most for two groups: salaried professionals negotiating total compensation packages (since CPF top-ups effectively stop accruing past the ceiling) and employers running payroll, who need to apply the ceiling correctly to avoid over- or under-contributing on behalf of staff.
The Additional Wage ceiling works similarly but on an annual basis, meaning a large year-end bonus may only be partially CPF-contributable if OW contributions earlier in the year have already used up most of the S$102,000 annual ceiling.
Example of Working Principle: Putting the Numbers Together
To illustrate how the CPF calculator applies these rates, consider a 35-year-old Singapore Citizen earning a S$6,000 monthly Ordinary Wage with no bonus that month.
Note that this employee falls in the "55 & below" age band. They also earn above the S$750/month threshold. Thus, the full rate table applies: 20% employee contribution and 17% employer contribution, for a combined 37%.
- Employee's share: S$6,000 × 20% = S$1,200
- Employer's share: S$6,000 × 17% = S$1,020
- Total CPF contribution for the month: S$2,220
Once the employee turns 56, the rate band shifts to 18% employee / 16% employer. Thus, reducing the combined contribution to 34%, a built-in adjustment that reflects CPF's age-graduated design, even though salary hasn't changed.
Common CPF Calculation Mistakes to Avoid
Even straightforward payroll calculations can go wrong without proper attention to the CPF board calculator framework:
- Forgetting the OW ceiling: Applying contribution rates to a full salary of above S$8,000 instead of capping the calculation at the ceiling.
- Misreading the PR year: Applying full Citizen rates to a 1st or 2nd year PR who continues to be under graduated rates, or vice versa.
- Mixing up OW and AW thresholds: Treating a year-end bonus the same way as monthly salary, without checking any remaining annual ceiling.
- Ignoring the S$750 minimum wage threshold: Employees who earn S$750 or less in a month are subject to different and lower contribution rules than mentioned in the standard tables above.
- Applying the wrong age at a birthday boundary: CPF rate bands change depending on age at the time that wages are paid. This can affect contributions in the exact month that an employee crosses an age threshold.
Why Choose GetQuickInfo CPF Calculator
When selecting the ideal CPF Calculate System, why should GetQuick Info be your go to? Let these aspects of our services convince your choice:
Always current with CPF Board rates: The GetQuickInfo CPF Calculator is updated immediately whenever the CPF Board revises contribution rates or any wage ceilings. Therefore, you are never working off outdated percentages. As you can see in the tables above, only the updated rates effective from January 1, 2026, have been provided.
Built for every contribution scenario: Whether you are a Singapore Citizen, a 1st or 2nd year Permanent Resident under G/G or F/G arrangements, or an employer managing payroll across a mixed workforce, this is a tool that will help with the full range of CPF Board-defined contribution rules, all in one place.
Instant and transparent results: Enter your citizenship status, birth month, payroll month, and wages. And get an immediate breakdown of the total contribution, employee share, employer share, and per-account allocation. No spreadsheets, no manual lookups against any rate tables.
No sign-up, no clutter: Like every tool on GetQuickInfor, the CPF contribution calculator is free to use. No account creation is required.
Part of a complete Singapore toolkit: This calculator sits alongside a full suite of Singapore-specific financial and planning tools. This includes a Mortgage Calculator, Stamp Duty Calculator, HDB Loan Eligibility Calculator, and the Singapore Public Holiday Calendar. Thus, you can handle related calculations without leaving the site.
Accuracy you can verify: Every rate displayed traces directly back to official CPF Board publications, and the source is cited clearly. So, you can cross-check figures independently if needed for payroll, compliance, or personal financial planning.
Frequently Asked Questions About CPF Contributions in Singapore
Ordinary Wages (OW) are your regular monthly salary, capped at S$8,000/month for CPF contribution purposes. Additional Wages (AW) include bonuses, commissions and other payments not tied to the monthly pay cycle. Both OW and AW are subject to CPF contributions, but AW is subject to the annual wage ceiling of S$102,000 minus the OW already contributed that year.
No. CPF contributions only apply to Singapore Citizens and Singapore Permanent Residents. Foreign employees holding an Employment Pass, S Pass or Work Permit are not covered under the CPF scheme and do not make or receive CPF contributions.
CPF contributions are mandatory by law for all Singapore Citizens and Permanent Residents earning wages in Singapore, regardless of whether the employee or employer would prefer otherwise. Neither party can opt out, and employers who fail to make the required contributions can face penalties from the CPF Board, which includes late payment interest and potential prosecution.
Employers are required to pay CPF contributions for a given month’s wages by the 14th of the following month. Contributions submitted after this date are considered late and may attract interest charges, even if the underlying calculation was correct.
Yes. CPF contribution obligations are based on employment status (Singapore Citizen or PR) and wage level, not on whether the role is full-time, part-time, or casual. Any Citizen or PR earning more than S$50 a month from an employer is generally subject to CPF contribution, though the exact rate depends on total wages and the S$750 threshold referenced in the standard rate tables.
Yes. Singapore Citizens and PRS can top up their CPF accounts voluntarily, separate from the mandatory employer-employee contributions calculated by this tool. Voluntary contributions are subject to their own annual limits and are not reflected in the standard contribution calculation above.