---
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  
---|---|---  
| 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 ](/)