Calculate employee CPF, employer CPF, total CPF contribution and estimated take-home pay in Singapore.
| Breakdown | Amount |
|---|---|
| Monthly Gross Salary | S$0.00 |
| CPF Wage Used for Calculation | S$0.00 |
| Employee CPF Rate | 0% |
| Employer CPF Rate | 0% |
| Total CPF Rate | 0% |
CPF contributions are paid by both employee and employer. For Singapore Citizens and Singapore Permanent Residents from the third year onwards, CPF contribution rates depend on the employee’s age group.
| Age Group | 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% |
CPF is calculated based on CPF contribution rates and the applicable wage ceiling. In 2026, the CPF Ordinary Wage ceiling is S$8,000 per month.
Example: if your monthly salary is S$5,000 and you are aged 55 and below, your employee CPF is 20% of S$5,000, which is S$1,000. Your employer CPF is 17% of S$5,000, which is S$850.
CPF stands for Central Provident Fund. It is a compulsory savings scheme for Singapore Citizens and Permanent Residents.
Yes. Employee CPF is deducted from your gross salary. Employer CPF is paid by your employer on top of your salary.
Foreign employees on work passes generally do not contribute CPF. CPF mainly applies to Singapore Citizens and Singapore Permanent Residents.
The CPF Ordinary Wage ceiling is S$8,000 per month in 2026.