How to Calculate CPF Contribution in Singapore: A Step-by-Step Guide
Works out the monthly CPF contribution for Singapore Citizens and third-year-onwards PRs, split into employee and employer shares, using the 2026 rates and the S$8,000 Ordinary Wage ceiling.
In Singapore, payslip maths decides how much you can save, invest and spend, and CPF takes a sizeable share before the money reaches your bank account. Knowing the numbers in advance makes salary negotiations, job switches and budgeting far less of a guess.
What you need
- Monthly salary (S$)
- Age (years)
Step by step
- Enter the monthly salary (S$).
- Enter the age (years).
- The results update as you type, or press Calculate.
- Read the your cpf (employee share) first, then the supporting figures below it.
The formula
Total CPF = (employer rate + employee rate) × wage up to S$8,000, rounded to the nearest dollar; the employee share drops cents, and the employer pays the rest. For age 55 and below the rates are 17% employer and 20% employee.
Worked example
For example, with these inputs:
- Monthly salary (S$): 5,000
- Age (years): 30
the calculator returns:
- Your CPF (employee share): S$1,000.00
- Employer CPF: S$850.00
- Total CPF contribution: S$1,850.00
- Wage counted for CPF: S$5,000.00
A second example
Now change the inputs to:
- Monthly salary (S$): 6,250
- Age (years): 30
the calculator returns:
- Your CPF (employee share): S$1,250.00
- Employer CPF: S$1,063.00
- Total CPF contribution: S$2,313.00
- Wage counted for CPF: S$6,250.00
Practical tips
- Keep a copy of your payslips: MOM requires employers to issue itemised payslips, which makes checking deductions easy.
- Use your basic salary plus fixed allowances as the ordinary wage; bonuses are additional wages with their own ceiling.
- Remember the S$8,000 monthly Ordinary Wage ceiling from January 2026: salary above it does not attract CPF.
- CPF rates drop in steps after age 55, so check which age band applies from the month after your birthday.
Background
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.
The Central Provident Fund is Singapore's mandatory savings scheme for citizens and permanent residents. Contributions are shared between employee and employer and flow into the Ordinary Account for housing, education and investment, the Special Account for retirement, and MediSave for healthcare. Because the money is locked up for specific purposes, many people underestimate how much of their total pay it represents.
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.
Related calculations
- CPF Special Account Interest Calculator: Projects Special Account growth at the 4% floor rate.
- Take-Home Pay Calculator: Shows what lands in your bank account each month after the employee CPF deduction, for Singapore Citizens and full-rate PRs.
- Employer CPF & Hiring Cost Calculator: Estimates the full monthly cost of employing a local worker: salary, employer CPF and the Skills Development Levy.
- CPF on Bonus (Additional Wage) Calculator: Calculates CPF on a bonus or other additional wage using the AW ceiling of S$102,000 minus the ordinary wages already subject to CPF in the year.
Want to skip the arithmetic? The free CPF Contribution Calculator does all of this instantly and updates as you type.
Run your own numbers: CPF Contribution Calculator