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Singapore CPF Calculator

2026 rates. Works for Citizens, PRs, and Work Pass holders. Updates as you type.

S$3,000
30

Age bracket: 55 and below

Your take-home pay

S$2,400

Take-home Your CPF (Employee)
💡 Your employer also contributes S$510 to your CPF — on top of your wage, not deducted from it.
Employee CPFS$600
Employer CPFS$510
Total CPF this monthS$1,110

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For reference only — actual CPF contributions are subject to official CPF Board rates. This calculator estimates monthly Ordinary Wage CPF only and does not account for Additional Wage ceilings, bonuses, or director's fees.

How CPF contribution works in 2026

CPF (Central Provident Fund) is Singapore's mandatory social security savings scheme. Every month, a percentage of a Singapore Citizen or PR employee's wage is contributed to their CPF account — part paid by the employee (deducted from wages) and part paid by the employer (on top of wages, at no cost to the employee).

Rates depend on age and residency status. Citizens and PRs from their 3rd year onward pay the full rate; new PRs get lower, graduated rates in their first two years to ease the transition. Only wages up to the Ordinary Wage ceiling — S$8,000/month from 1 January 2026 — are subject to CPF.

Age Employer Employee Total
55 and below17%20%37%
Above 55–6016%18%34%
Above 60–6512.5%12.5%25%
Above 65–709%7.5%16.5%
Above 707.5%5%12.5%

Rates shown are for Singapore Citizens and PRs from their 3rd year onward. New PRs (1st/2nd year) get lower graduated rates — see the calculator above.

Common questions

For Singapore Citizens and PRs (3rd year onwards) aged 55 and below, the rate is 37% of wages (17% employer + 20% employee). Rates step down in bands for older age groups.
No. CPF only applies to Singapore Citizens and Permanent Residents. Work Pass holders (EP, S Pass, Work Permit) are not covered — employers pay the Foreign Worker Levy instead where applicable.
From 1 January 2026, the CPF Ordinary Wage ceiling is S$8,000/month — only wages up to this amount are subject to CPF.
Yes. 1st year is a flat 4% employer / 5% employee regardless of age; 2nd year rates depend on age. From the 3rd year onwards, full rates apply.