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
Monthly Ordinary Wage ceiling increases by $600
Age 55-60 Rate Increase
Total contribution rate increases by 1.5%
Age 60-65 Rate Increase
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
New wage ceiling: S$8,000/month
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.