CPF Contribution Calculator
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.
Result
- 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$5,000.00
How to use the cpf contribution calculator
- Enter the monthly salary (S$).
- 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.
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
Good to know: Rates for workers above 55 to 65 rose on 1 January 2026 and are scheduled to rise again in 2027. Confirm against the CPF Board table before running payroll.
Background
The Employment Act sets out how hourly and daily rates are calculated for overtime, public holiday work and salary deductions. These formulas use the monthly basic rate of pay rather than gross salary, which is why the numbers can look lower than a simple division of your salary by hours worked.
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.
Frequently asked questions
What is the CPF Ordinary Wage ceiling in 2026?
S$8,000 a month. Salary above that does not attract CPF on ordinary wages, although bonuses can still attract CPF up to the annual S$102,000 ceiling.
Why is my CPF lower if I earn under S$750?
Between S$500 and S$750 the employee share is phased in (it is 0.6 × (wage − 500) for those 55 and below). Below S$500 only the employer contributes.
Do these rates apply to first and second-year PRs?
No. PRs in their first two years pay graduated lower rates unless they and their employer opt into full rates. This calculator uses the full rates.
How does the cpf contribution calculator work?
It applies this 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.
Are these figures exact?
They follow the published CPF and MOM formulas, but your employer's payroll may round slightly differently or include allowances in a different way. Your payslip is the final reference.