CPF Contribution Calculator (Singapore)

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About this tool

Employee + employer CPF by age band, ceilings, and account allocation

Calculate Singapore CPF for 2026: employer + employee shares by age band, $8,000 OW ceiling, AW ceiling and the OA/MA/SA-RA allocation split. Free, in-browser.

RT-FIN-263 · Finance & Money · Reviewed Jun 2026

Calculate your Singapore CPF contributions: employee + employer shares by age band, the $8,000 monthly ceiling, the Additional Wage (bonus) ceiling, and the account allocation split — with a preview of the announced 2027 rates. Everything runs in your browser.

Monthly ordinary wage (OW)

Annual bonus (AW, optional)

Age

Rates for year

📅 Research current as of 11 Jun 2026 · Sources: CPF Board contribution + allocation tables effective 1 Jan 2026 (cpf.gov.sg PDFs), incl. official rounding and the low-wage phase-in; announced 1 Jan 2027 step-up as a year toggle. Reviewed every January.

Rates, regulations, and lender practices change frequently — verify current figures with your provider or licensed advisor before acting.

Employee share / month

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Employer share / month

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Total CPF / month

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Rates (EE + ER = total)

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Account allocation (monthly)

Ordinary Account (OA)

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Special Account (SA)

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MediSave Account (MA)

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Full year

Total CPF / year

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Employee share / year

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⚠ Estimates only — not financial advice. Rates as at 2026-01-01 (full rates for SC / 3rd-year+ PR); CPF Board's computation prevails. Verify at cpf.gov.sg.

How CPF contributions are calculated

Enter your monthly ordinary wage (OW)

Type your gross monthly ordinary wage. CPF is computed only on the part up to the monthly salary ceiling ($8,000 from 2026); anything above it attracts no CPF.

Add your annual bonus (Additional Wages, optional)

Bonuses and commissions are Additional Wages. The AW ceiling = $102,000 − your full-year CPF-liable ordinary wages. The calculator applies the ceiling automatically.

Pick your age and the year

Contribution rates step down by age band: 55 and below pays 37% in total (employee 20% + employer 17%). Choose 2027 to preview the announced step-up for the 55-to-65 bands.

Read the contributions and allocation

Results show the employee, employer, and total contributions instantly, plus the split into the Ordinary Account, Special Account (Retirement Account if you are above 55), and MediSave Account.

How CPF contributions are calculated

CPF contributions are computed from your monthly ordinary wage, your age band, and the wage ceilings. For Singapore Citizens and permanent residents from their third year, the full rates apply — 37% in total for those 55 and below, stepping down by age band to 12.5% above 70.

Two ceilings matter. The monthly (Ordinary Wage) ceiling — $8,000 from January 2026 — caps the wage on which monthly CPF is computed. The annual ceiling of $102,000 caps the year as a whole: your Additional Wages (bonus, commissions) only attract CPF up to $102,000 minus your full-year CPF-liable ordinary wages.

Official rounding applies: the total contribution is rounded to the nearest dollar, your employee share is rounded down, and the employer pays the difference. Low wages phase in gradually — nothing at $50 or below, employer-only up to $500, and a graduated employee share up to $750.

Every contribution is split across your accounts: MediSave first, then the Special Account — or, if you are above 55, the Retirement Account (the Special Account closed for senior members in January 2025) — with the remainder credited to the Ordinary Account. The ratios shift from housing-heavy (OA) when young toward healthcare-heavy (MediSave) with age.

Rates are not static: a step-up for the 55–65 bands effective 1 January 2027 is already announced (55–60 to 35.5%, 60–65 to 26%), and this calculator includes it as a year toggle. Rates shown are as at the date on this page — always confirm against the CPF Board's published tables for payroll decisions.

10 Facts About CPF Contributions

The CPF monthly salary ceiling is $8,000 from January 2026 — the final step of the staged raise (6,000 → 6,300 → 6,800 → 7,400 → 8,000).

Employees aged 55 and below contribute 37% in total: 20% employee + 17% employer — at most $2,960 a month at the ceiling.

The annual salary ceiling stays at $102,000; the Additional Wage (bonus) ceiling = $102,000 minus your full-year CPF-liable ordinary wages.

Contributions follow official rounding: the total is rounded to the nearest dollar, the employee share is rounded down, and the employer pays the difference.

Wages of $750 and below get a low-wage phase-in: nothing below $50; employer-only from $50–$500; a graduated employee share from $500–$750.

Contributions are allocated MediSave first, then the Special (or Retirement) Account, with the remainder to the Ordinary Account — roughly 62% / 16% / 22% for those 35 and below.

Since January 2025 the Special Account is closed for members 55 and above; allocations flow to the Retirement Account instead (up to the Full Retirement Sum).

A step-up effective 1 January 2027 is already announced: the 55–60 band rises to 35.5% total and 60–65 to 26%, with the increase going to the Retirement Account.

Employer CPF contributions are not taxable income, and your own employee contributions are automatically deducted from assessable income.

CPF rates and ceilings are typically announced at the Budget and take effect each 1 January — this calculator uses the rates in force as at the date shown.

Frequently Asked Questions

55 and below: 20% employee + 17% employer = 37%; above 55–60: 34%; above 60–65: 25%; above 65–70: 16.5%; above 70: 12.5%. These apply to Singapore Citizens and 3rd-year-onwards PRs earning more than $750 a month.
Only the first $8,000 of your monthly ordinary wage attracts CPF. On a $10,000 salary at age 55 and below, contributions are computed on $8,000: $2,960 in total ($1,600 employee, $1,360 employer).
Yes — bonuses are Additional Wages (AW). The AW ceiling = $102,000 minus your full-year CPF-liable ordinary wages. For example, an $8,000 monthly wage ($96,000 a year) leaves a $6,000 AW ceiling; any bonus above that attracts no CPF.
Allocations go to MediSave first, then the Special Account (Retirement Account if you are above 55), with the remainder to the Ordinary Account. Ratios shift with age — younger members get more OA, older members more MediSave.
Since January 2025 the CPF Board has closed the Special Account for members aged 55 and above. Those allocations flow to the Retirement Account up to the Full Retirement Sum; any overflow goes to the Ordinary Account.
Yes. From 1 January 2027 (already announced): the 55–60 band rises from 34% to 35.5% total (19% employee, 16.5% employer) and 60–65 from 25% to 26% (13% each). This calculator offers a 2027 preview toggle.
Permanent residents pay graduated (lower) rates in their first two years; from the third year the full citizen rates apply. This calculator uses the full rates (citizens and 3rd-year-onwards PRs).
No. Statutory employer CPF contributions are not part of your taxable income, and your own employee contributions are automatically deducted from assessable income.
$50 and below: no contribution. $50–$500: employer share only. $500–$750: the employee share phases in (for 55 and below: 0.6 × (wage − $500)) until the full rate applies at $750.
No. All calculations run in your own browser — the salary figures you enter are never transmitted or stored.

Important — please read.

Estimates only — not financial, tax, or legal advice, and not a substitute for the CPF Board's official computation. This calculator covers the standard full rates for Singapore Citizens and 3rd-year-onwards PRs in the private sector; graduated first/second-year PR rates, public-sector schemes, and platform-worker arrangements are not modelled.

No affiliation. RECATOOLS is not affiliated with, endorsed by, or representing the Central Provident Fund Board, IRAS, or any government agency. Names are used for identification only.

Rates as at 2026-01-01. Contribution and allocation rates change — typically each 1 January, announced at the Budget. The announced 1 Jan 2027 step-up is included as a preview. The CPF Board's published tables prevail: verify at cpf.gov.sg before acting.

Why figures may differ: the 55+ allocation depends on your Retirement Account balance relative to the Full Retirement Sum (not modelled), and employer payroll systems apply the official per-band tables which this calculator reproduces by formula.

No warranty; limitation of liability. This tool is provided "as is" without warranty of any kind. To the maximum extent permitted by law, RECATOOLS accepts no liability for any loss arising from use of, or reliance on, this calculator.

Privacy. All calculations run locally in your browser; no salary or personal data is transmitted or stored.