CPF on Bonus (Additional Wage) Results at a Glance: Quick Reference Table
Sometimes you only need a ballpark figure. This page lists cpf on bonus (additional wage) results for a range of common inputs, so you can see the pattern at a glance.
| Inputs | Additional Wage ceiling left | Bonus subject to CPF | Employee CPF on bonus | Employer CPF on bonus | Bonus after CPF |
|---|---|---|---|---|---|
| Bonus / additional wage for the year: 15,000, Monthly salary: 5,000, Age: 30 | S$42,000.00 | S$15,000.00 | S$3,000.00 | S$2,550.00 | S$12,000.00 |
| Bonus / additional wage for the year: 7,500, Monthly salary: 5,000, Age: 30 | S$42,000.00 | S$7,500.00 | S$1,500.00 | S$1,275.00 | S$6,000.00 |
| Bonus / additional wage for the year: 11,250, Monthly salary: 5,000, Age: 30 | S$42,000.00 | S$11,250.00 | S$2,250.00 | S$1,912.50 | S$9,000.00 |
| Bonus / additional wage for the year: 18,750, Monthly salary: 5,000, Age: 30 | S$42,000.00 | S$18,750.00 | S$3,750.00 | S$3,187.50 | S$15,000.00 |
| Bonus / additional wage for the year: 22,500, Monthly salary: 5,000, Age: 30 | S$42,000.00 | S$22,500.00 | S$4,500.00 | S$3,825.00 | S$18,000.00 |
| Bonus / additional wage for the year: 30,000, Monthly salary: 5,000, Age: 30 | S$42,000.00 | S$30,000.00 | S$6,000.00 | S$5,100.00 | S$24,000.00 |
How these were worked out
AW ceiling = S$102,000 − (ordinary wage capped at S$8,000 × 12). CPF applies to the bonus up to that ceiling at the same percentage rates as ordinary wages.
In Singapore, payslip maths decides how much you can save, invest and spend, and CPF takes a sizeable share before the money reaches your bank account. Knowing the numbers in advance makes salary negotiations, job switches and budgeting far less of a guess.
Contribution rates fall as workers get older, to keep older workers employable while their retirement savings continue to grow. The Government has been raising rates for workers above 55 in stages since 2022, with the latest change in January 2026 and another planned for 2027, so figures for senior workers change more often than for younger employees.
Payslips must be itemised, showing basic pay, allowances, overtime, deductions and CPF. Comparing a payslip against an independent calculation is the easiest way to catch mistakes, especially in the first month of a new job, after a pay rise, or when you cross an age band.
CPF distinguishes between ordinary wages, which are paid for work in the month such as basic salary and fixed allowances, and additional wages, such as annual bonuses and leave encashment. Ordinary wages are capped at S$8,000 a month from January 2026, while additional wages are capped by an annual ceiling of S$102,000 minus the ordinary wages already subject to CPF in the year.
Tips
- CPF rates drop in steps after age 55, so check which age band applies from the month after your birthday.
- Remember the S$8,000 monthly Ordinary Wage ceiling from January 2026: salary above it does not attract CPF.
- Overtime eligibility depends on your salary and role under Part IV of the Employment Act, not just your job title.
Related calculations
- Monthly to Hourly Rate Calculator: Converts a monthly salary into the hourly rate MOM uses for overtime and deductions.
- Daily Rate of Pay Calculator: Finds the daily rate of pay used for public holiday work, rest days and unpaid leave deductions.
- Pro-Rated Salary Calculator: Calculates salary for an incomplete month, such as when you join or leave mid-month.
- Salary Increment Calculator: Shows the new salary after a percentage raise and how much more you earn per year.
For your exact numbers, use the CPF on Bonus (Additional Wage) Calculator.
Run your own numbers: CPF on Bonus (Additional Wage) Calculator