How this CPF calculator works
CPF contributions are calculated based on your CPF eligibility, age group and wages subject to CPF. For monthly salary, CPF is generally calculated on Ordinary Wages up to the Ordinary Wage ceiling. Employer CPF is paid by the employer separately, while employee CPF is deducted from your gross salary.
1. Enter salary
Use your gross monthly salary before CPF deduction, tax or other payroll deductions.
2. Select age group
CPF rates change when an employee is above 55, above 60, above 65 and above 70.
3. Check CPF result
See employee CPF, employer CPF, total CPF and salary after employee CPF deduction.
CPF contribution rates from 1 January 2026
The table below is for Singapore Citizens and Singapore Permanent Residents from the third year onwards, based on monthly wages above S$750.
| Employee Age | Employer CPF | Employee CPF | Total CPF |
|---|---|---|---|
| 55 and below | 17% | 20% | 37% |
| Above 55 to 60 | 16% | 18% | 34% |
| Above 60 to 65 | 12.5% | 12.5% | 25% |
| Above 65 to 70 | 9% | 7.5% | 16.5% |
| Above 70 | 7.5% | 5% | 12.5% |
Low monthly wage CPF treatment
CPF treatment is different for low monthly wages. This calculator includes a simplified low-wage treatment so part-time and lower-wage salary estimates do not overstate employee CPF deduction.
S$50 or below
Monthly wages of S$50 or below generally do not attract CPF contributions.
Above S$50 to S$500
Employee CPF is S$0, but employer CPF may still apply for CPF-eligible employees.
Above S$500 to S$750
Employee CPF is phased in before the full CPF contribution rates apply above S$750.
Common CPF examples
These examples assume a Singapore Citizen or PR third year onwards, aged 55 and below.
S$3,000 salary
Employee CPF is about S$600. Employer CPF is about S$510. Salary after CPF is about S$2,400.
S$5,000 salary
Employee CPF is about S$1,000. Employer CPF is about S$850. Salary after CPF is about S$4,000.
S$8,000 salary
Employee CPF is about S$1,600. Employer CPF is about S$1,360. Salary after CPF is about S$6,400.
Ordinary Wage and Additional Wage
Monthly salary is usually treated as Ordinary Wage. Bonuses, annual wage supplement and commissions may be treated as Additional Wages. Additional Wage CPF depends on the annual Additional Wage ceiling, so this calculator provides a simplified estimate for planning.
Ordinary Wage
Regular monthly salary is usually Ordinary Wage. CPF applies up to the monthly OW ceiling.
Additional Wage
Bonus and annual wage supplement are usually Additional Wages and may be subject to the AW ceiling.
CPF ceiling
CPF is not always calculated on your full salary if your wages exceed CPF wage ceilings.
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Frequently Asked Questions
How much CPF do employees contribute in Singapore?
For Singapore Citizens and PRs from the third year onwards, employees aged 55 and below generally contribute 20% of wages subject to CPF. Rates are lower for older age groups.
How much CPF does the employer contribute?
For employees aged 55 and below, the employer CPF rate is generally 17% of wages subject to CPF. Employer CPF is paid separately and does not reduce the employee's gross salary.
Is CPF deducted from my salary?
Yes. Employee CPF is deducted from your gross salary before you receive your monthly pay. Employer CPF is an additional contribution paid by your employer.
Is CPF calculated on the full monthly salary?
Not always. CPF on Ordinary Wages is subject to the Ordinary Wage ceiling. In 2026, the Ordinary Wage ceiling is S$8,000.
Do low monthly wages attract CPF?
Monthly wages of S$50 or below generally do not attract CPF. If wages are above S$50 but not more than S$500, employee CPF is generally S$0, while employer CPF may still apply.
Do foreigners need to contribute CPF?
Foreign employees generally do not contribute CPF. CPF usually applies to Singapore Citizens and Singapore Permanent Residents.
Does CPF apply to bonus?
Bonus is usually treated as Additional Wage. CPF may apply, but it is subject to the Additional Wage ceiling. This calculator gives a simplified estimate for planning.
What is salary after CPF?
Salary after CPF means your gross monthly salary minus employee CPF contribution. For example, if your salary is S$5,000 and employee CPF is S$1,000, salary after CPF is about S$4,000 before tax.
Is this CPF calculator official?
No. This is an independent calculator for simple salary planning. For official calculation, refer to CPF Board.