How do I calculate my CPF contribution in Singapore?

To calculate your CPF contribution, enter your monthly gross wage, select your age group and residency status in the CPF calculator. The tool automatically calculates both employee and employer contributions based on 2026 CPF rates, applies the wage ceiling of S$8,000, and shows your take-home pay along with detailed account allocations for Ordinary Account (OA), Special Account (SA), and Medisave Account (MA).

What are the CPF contribution rates for 2026?

For Singapore Citizens and Permanent Residents (3rd year onwards) aged 35 and below, the total CPF contribution rate is 37% consisting of 20% employee contribution and 17% employer contribution. Rates vary by age group: ages 36-45 (37% total), ages 46-50 (37% total), ages 51-55 (37% total), ages 56-60 (34% total with 18% employee and 16% employer), ages 61-65 (25% total), ages 66-70 (16.5% total), and above 70 (12.5% total).

What is the CPF wage ceiling in 2026?

The CPF ordinary wage ceiling is S$8,000 per month for 2026. This means CPF contributions are calculated only on the first S$8,000 of your monthly salary. If you earn more than S$8,000 per month, CPF contributions are still calculated based on S$8,000, and the excess amount goes directly to your take-home pay without CPF deductions.

How much CPF do I pay as an employee in Singapore?

Employee CPF contribution rates for Singapore Citizens and Permanent Residents (3rd year onwards) vary by age: 20% for ages 35-55, 18% for ages 56-60, 12.5% for ages 61-65, 7.5% for ages 66-70, and 5% for above 70 years old. Permanent Residents in their 1st and 2nd year have graduated rates: 1st year PRs contribute 20% employee with 5% employer, and 2nd year PRs contribute 20% employee with 10% employer.

What is the difference between CPF OA, SA, and MA accounts?

CPF has three main accounts with different purposes: Ordinary Account (OA) can be used for housing, insurance, education, and approved investments. Special Account (SA) is primarily for retirement and approved investments with higher interest rates. Medisave Account (MA) is dedicated to healthcare expenses including hospitalization, approved medical insurance, and medical treatments. The allocation percentages to each account vary by age group, with younger workers receiving more allocation to OA (for housing), while older workers receive more allocation to SA and MA (for retirement and healthcare).

Are PR CPF rates different from Singapore Citizens?

Permanent Residents (PRs) have graduated CPF rates in their first two years. First-year PRs have reduced employer contributions (5% employer + 20% employee), second-year PRs have 10% employer + 20% employee contributions. From the third year onwards, PRs have the same CPF contribution rates as Singapore Citizens across all age groups.

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CPF Contribution Calculator

Accurate rates for 2026

Monthly Gross Wage

Wage ceiling: S$8,000/month for CPF

Your Age

Residency Status

Your Take-Home Pay

S$ 0

Employer

S$ 0

17%

Employee

S$ 0

20%

Total CPF Contribution

S$ 0

37% of your wage goes to CPF

Account Allocation

Ordinary (OA)

S$ 0

23%

Special (SA)

S$ 0

Medisave (MA)

S$ 0

Based on CPF rates effective 2026 for Singapore Citizens/PRs

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