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CPF Contribution Calculator

Estimate monthly employee and employer CPF contributions by age band. Applies to Singapore Citizens and Permanent Residents (3rd year onwards).

Inputs

SGD
CPF is computed on Ordinary Wages up to the monthly ceiling of S$8,000 (from 2026). Full rates apply when monthly wage is above S$750; lower wages are phased in. The annual salary ceiling is S$102,000.

Total CPF Contribution

Employee + Employer
S$0

How CPF works

The Central Provident Fund (CPF) is Singapore's mandatory social security savings scheme. Both you and your employer contribute a percentage of your wages each month. For employees aged 55 and below, the total rate is 37% — 20% from the employee and 17% from the employer — on Ordinary Wages up to the S$8,000 monthly ceiling.

Contribution rates step down with age: 34% for above 55–60, 25% for above 60–65, 16.5% for above 65–70, and 12.5% above 70. Contributions are split across your Ordinary, Special/Retirement and MediSave accounts. From 2026 the rates for those above 55 to 65 rose to strengthen retirement savings.

FAQ

Is CPF deducted from my whole salary?
Only up to the Ordinary Wage ceiling of S$8,000 a month. If you earn more, CPF is computed on S$8,000 only. Bonuses (Additional Wages) have a separate annual ceiling.
Do foreigners contribute to CPF?
No. CPF applies to Singapore Citizens and Permanent Residents. Work pass holders do not contribute to CPF.
Why did my CPF change after a birthday?
Rates depend on your age band. New rates apply from the first day of the month after you turn 55, 60, 65 or 70.
Where do my contributions go?
Into your Ordinary Account (housing, investments), MediSave (healthcare) and Special/Retirement Account (retirement), based on age-based allocation ratios.