---
title: "CPF 2026 Changes Calculator | Compare New Rates"
url: "https://cpfcalculator.sg/cpf-2026-changes"
author: "CPF Calculator"
language: "en"
---

Effective 1 January 2026  CPF Contribution Changes 2026  Compare the new CPF rates with current rates and see how the changes will affect your contributions  Key Changes at a Glance OW Ceiling Increase $7,400 $8,000 Monthly Ordinary Wage ceiling increases by $600 Age 55-60 Rate Increase 32.5% 34% Total contribution rate increases by 1.5% Age 60-65 Rate Increase 23.5% 25% Total contribution rate increases by 1.5% Rate Comparison: 2025 vs 2026 Age Group | 2025 Rates | 2026 Rates  
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| Employer | Employee | Total | Employer | Employee | Total  
55 and below | 17% | 20% | 37% | 17% | 20% | 37%  
Above 55 to 60 | 15.5% | 17% | 32.5% |  16% \(+0.5\) |  18% \(+1\) |  34% \(+1.5\)  
Above 60 to 65 | 12% | 11.5% | 23.5% |  12.5% \(+0.5\) |  12.5% \(+1\) |  25% \(+1.5\)  
Above 65 to 70 | 9% | 7.5% | 16.5% | 9% | 7.5% | 16.5%  
Above 70 | 7.5% | 5% | 12.5% | 7.5% | 5% | 12.5%  
Ordinary Wage Ceiling History  2024 $6,800 2025 $7,400 2026 $8,000 Annual Ceiling $102,000 CPF Calculator 2026 Calculate your CPF contributions with the new 2026 rates 2026 CPF Calculator New rates effective 1 Jan 2026 Monthly Gross Wage S$ New wage ceiling: S$8,000/month Your Age 55 and below Above 55 to 60 Above 60 to 65 Above 65 to 70 Above 70 Calculate 2026 CPF  2026 New Rates Take-Home Pay S$ 0 Employer CPF S$ 0 Employee CPF S$ 0 Total CPF S$ 0 2025 Current Rates Take-Home Pay S$ 0 Employer CPF S$ 0 Employee CPF S$ 0 Total CPF S$ 0 Impact of 2026 Changes Additional CPF Savings +S$ 0 Change in Take-Home S$ 0 Important Notes Retirement Account Allocation  The increase in CPF contributions for employees aged 55-65 will be fully allocated to the Retirement Account \(RA\), up to the Full Retirement Sum \(FRS\), to help senior workers save more for retirement. PR Rates Unchanged  There are no changes to the graduated contribution rates for first and second year Singapore Permanent Residents \(SPRs\). Annual Salary Ceiling  The CPF annual salary ceiling remains at $102,000, which sets the maximum amount of CPF contributions payable for all salaries received in the year. [ Back to Current CPF Calculator ](/)