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CPF Rate for Age Above 70 (2026): 12.5%
Employees above 70 pay 5% and employers 7.5%. Calculate CPF on your salary.
Your wages this month
Total CPF this month
S$625
| You pay (5%) | S$250 |
| Your employer pays (7.5%) | S$375 |
| Ordinary wages counted (ceiling S$8,000) | S$5,000 |
| Bonus counted (annual ceiling) | S$0 |
| Take-home after your CPF | S$4,750 |
CPF rates from 1 January 2026
| Age | Employer | Employee | Total |
|---|---|---|---|
| 55 and below | 17% | 20% | 37% |
| Above 55 to 60 | 16% | 18% | 34% |
| Above 60 to 65 | 12.5% | 12.5% | 25% |
| Above 65 to 70 | 9% | 7.5% | 16.5% |
| Above 70 | 7.5% | 5% | 12.5% |
For wages above S$750 a month. Up to S$500 only your employer pays; from S$500 to S$750 your share is phased in. Ordinary Wage ceiling S$8,000 a month; total CPF wages are capped at S$102,000 a year.
For Singapore Citizens and PRs from their third year of PR (first- and second-year PRs pay lower graduated rates unless they opt for full rates). Foreigners on a work pass do not pay CPF. Rates last checked October 2026. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: CPF Board
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
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CPF at age above 70 on common salaries
From 1 January 2026, employees aged above 70 pay 5% of their salary to CPF and their employer adds 7.5%, a total of 12.5%. On S$5,000 that is S$250 from you and S$375 from your employer every month.
| Monthly salary | You pay | Employer pays | Total |
|---|---|---|---|
| S$1,000 | S$50 | S$75 | S$125 |
| S$2,000 | S$100 | S$150 | S$250 |
| S$3,000 | S$150 | S$225 | S$375 |
| S$4,000 | S$200 | S$300 | S$500 |
| S$5,000 | S$250 | S$375 | S$625 |
| S$6,000 | S$300 | S$450 | S$750 |
| S$8,000 | S$400 | S$600 | S$1,000 |
| S$10,000 | S$400 | S$600 | S$1,000 |
2026 rates for Singapore Citizens and PRs from their third year of PR. Salaries above S$8,000 pay CPF only on the first S$8,000.
Questions people ask
What are the CPF contribution rates in 2026?+
For employees aged 55 and below earning above S$750 a month, the employee pays 20% and the employer 17%, a total of 37%. Older age groups pay less: 34% above 55 to 60, 25% above 60 to 65, 16.5% above 65 to 70 and 12.5% above 70.
What is the CPF Ordinary Wage ceiling in 2026?+
S$8,000 a month from 1 January 2026 (up from S$7,400). CPF is not charged on ordinary wages above this. Bonuses are capped by the annual salary ceiling of S$102,000.
Do I pay CPF if I earn less than S$750?+
Up to S$500 a month only your employer pays. Between S$500 and S$750 your share is phased in, so you pay less than the full rate.
Do foreigners pay CPF?+
No. CPF applies to Singapore Citizens and Permanent Residents. Foreigners on an Employment Pass, S Pass or Work Permit do not contribute.