Singapore · Updated for 2026 (YA 2027)
CPF contribution calculator 2026
At 55 and below, you pay 20% of your monthly wages into CPF and your employer adds 17%, on wages up to S$8,000 a month in 2026. On S$5,000 that is S$1,000.00 from you and S$850.00 from your employer: S$1,850.00 a month.
Type a monthly wage, your age and your status. Add a bonus to see the CPF it pays.
S$5,000 a month · age 30 · 20% employee, 17% employer
S$1,850.00 into your CPF a month
S$1,000.00 from your pay and S$850.00 from your employer.
| A month | The year | |
|---|---|---|
| You pay (employee) | S$1,000.00 | S$12,000.00 |
| Your employer pays | S$850.00 | S$10,200.00 |
| Total into CPF | S$1,850.00 | S$22,200.00 |
| Your pay after CPF | S$4,000.00 | S$48,000.00 |
Of S$1,850.00 going into CPF, about S$1,150 goes to your Ordinary Account, S$300 to your Special Account and S$400 to MediSave.
How is CPF worked out?
On each month’s wages, with the CPF Board’s rate tables. S$5,000 a month at age 30, by hand:
- The total. 37% of S$5,000 = S$1,850.00, rounded to the nearest dollar (50 cents and up go up).
- Your share. 20% of S$5,000 = S$1,000.00, rounded down to the dollar. It comes out of your pay.
- Your employer’s share. The total less your share: S$1,850.00 − S$1,000.00 = S$850.00.
- Where it goes. At 30, about 62% to the Ordinary Account (housing, education), 16% to the Special Account (retirement) and 22% to MediSave (health care).
What are the CPF contribution rates for 2026?
Shares of monthly wages from 1 January 2026, and the most a month at the S$8,000 Ordinary Wage ceiling.
Citizens, and PRs from the third year
| Age | Employee | Employer | Total | Most a month (employee / total) |
|---|---|---|---|---|
| 55 and below | 20% | 17% | 37% | S$1,600 / S$2,960 |
| Above 55 to 60 | 18% | 16% | 34% | S$1,440 / S$2,720 |
| Above 60 to 65 | 12.5% | 12.5% | 25% | S$1,000 / S$2,000 |
| Above 65 to 70 | 7.5% | 9% | 16.5% | S$600 / S$1,320 |
| Above 70 | 5% | 7.5% | 12.5% | S$400 / S$1,000 |
PRs in the second year (graduated rates)
| Age | Employee | Employer | Total | Most a month (employee / total) |
|---|---|---|---|---|
| 55 and below | 15% | 9% | 24% | S$1,200 / S$1,920 |
| Above 55 to 60 | 12.5% | 6% | 18.5% | S$1,000 / S$1,480 |
| Above 60 to 65 | 7.5% | 3.5% | 11% | S$600 / S$880 |
| Above 65 | 5% | 3.5% | 8.5% | S$400 / S$680 |
PRs in the first year (graduated rates)
| Age | Employee | Employer | Total | Most a month (employee / total) |
|---|---|---|---|---|
| 55 and below | 5% | 4% | 9% | S$400 / S$720 |
| Above 55 to 60 | 5% | 4% | 9% | S$400 / S$720 |
| Above 60 to 65 | 5% | 3.5% | 8.5% | S$400 / S$680 |
| Above 65 | 5% | 3.5% | 8.5% | S$400 / S$680 |
PRs in their first two years pay the graduated rates unless they and their employer apply together for the full rates. Foreigners pay no CPF.
What are the CPF salary ceilings?
Ordinary Wages (your monthly salary) pay CPF up to S$8,000 a month. Additional Wages (a bonus) pay CPF up to the annual ceiling of S$102,000 less the year’s Ordinary Wages that paid CPF. Below S$750 a month the rules change: nothing is due on S$50 or less, only the employer pays up to S$500, and the employee’s share is phased in up to S$750.
Where does my CPF go?
Each contribution is split between three accounts, by age: MediSave first, then the Special Account (the Retirement Account above 55), and the rest to the Ordinary Account. Shares of the whole contribution, from 1 January 2026:
| Age | Ordinary | Special or Retirement | MediSave |
|---|---|---|---|
| 35 and below | 62.17% | 16.21% | 21.62% |
| Above 35 to 45 | 56.77% | 18.91% | 24.32% |
| Above 45 to 50 | 51.36% | 21.62% | 27.02% |
| Above 50 to 55 | 40.55% | 31.08% | 28.37% |
| Above 55 to 60 | 35.3% | 33.82% | 30.88% |
| Above 60 to 65 | 14% | 44% | 42% |
| Above 65 to 70 | 6.07% | 30.3% | 63.63% |
| Above 70 | 8% | 8% | 84% |
Your take-home pay after CPF and income tax: the Singapore salary calculator.
What else can I work out?
Questions about CPF contributions
What is the CPF contribution rate in 2026?
For Singapore Citizens and PRs from their third year, aged 55 and below: 20% from the employee and 17% from the employer, 37% in all. Older workers pay less, in steps above 55, 60, 65 and 70.
What is the CPF salary ceiling in 2026?
S$8,000 a month for Ordinary Wages from 1 January 2026, and S$102,000 a year for all wages. So the most a worker aged 55 or below pays is S$1,600.00 a month.
How much CPF do I pay on my bonus?
The full rate, but only on the part of the bonus within the annual ceiling: S$102,000 less the year’s salary that paid CPF. On S$8,000 a month the salary uses S$96,000, so only S$6,000 of a S$24,000 bonus pays CPF: S$1,200.00 from you.
Do I pay CPF on a low salary?
Not on S$50 a month or less. Up to S$500 only your employer pays. From S$500 to S$750 your share is phased in: on S$600 you pay S$60.00 and your employer S$102.00.
Will CPF rates change in 2027?
Yes, for senior workers: the CPF Board has announced higher contribution rates for them from 1 January 2027. This calculator uses the rates in force in 2026.