Singapore CPF Calculator
Estimate employee CPF, employer CPF, take-home pay, and total employer cost.
What is CPF?
CPF, or Central Provident Fund, is Singapore’s mandatory social security savings scheme. Both employees and employers contribute to CPF based on wages, age, and residency status.
How this CPF calculator works
Enter your monthly salary, age, and residency status. The calculator estimates employee CPF, employer CPF, take-home salary, and total employer cost.
Singapore CPF Contribution Rates by Age
CPF contribution rates are different depending on the employee’s age group. The table below shows the basic CPF rates used in this calculator for Singapore Citizens and Permanent Residents from the third year onwards.
| Age Group | Employee CPF | Employer CPF | Total CPF |
|---|---|---|---|
| 55 and below | 20% | 17% | 37% |
| Above 55 to 60 | 18% | 16% | 34% |
| Above 60 to 65 | 12.5% | 12.5% | 25% |
| Above 65 to 70 | 7.5% | 9% | 16.5% |
| Above 70 | 5% | 7.5% | 12.5% |
CPF Ordinary Wage Ceiling
CPF contributions are calculated based on the Ordinary Wage ceiling. For this calculator, the 2026 CPF Ordinary Wage ceiling is set at S$8,000 per month. If your monthly salary is higher than the ceiling, CPF is calculated only up to the wage ceiling.
CPF Calculation Example
For example, if your monthly salary is S$5,000 and you are 35 years old, the employee CPF rate is 20% and the employer CPF rate is 17%.
| Item | Calculation | Amount |
|---|---|---|
| Employee CPF | S$5,000 × 20% | S$1,000 |
| Employer CPF | S$5,000 × 17% | S$850 |
| Take-home Pay | S$5,000 - S$1,000 | S$4,000 |
| Total Employer Cost | S$5,000 + S$850 | S$5,850 |
CPF for Singapore Permanent Residents
Singapore Permanent Residents may have different CPF contribution rates during the first and second year after obtaining PR status. From the third year onwards, CPF rates are generally aligned with the standard rates for Singapore Citizens.
CPF Calculator FAQ
Is CPF mandatory in Singapore?
Yes. CPF contributions are mandatory for Singapore Citizens and Permanent Residents who are employed in Singapore.
Does the employer also pay CPF?
Yes. CPF is shared between the employee and employer. The employee contribution is deducted from salary, while the employer contribution is paid on top of the employee’s salary.
Why is my CPF lower after a certain age?
CPF contribution rates decrease for older age groups. This is why the calculator asks for age before estimating CPF contributions.
What happens if my salary is above the CPF wage ceiling?
If your monthly salary is above the Ordinary Wage ceiling, CPF contributions are calculated only up to the wage ceiling used by the calculator.