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CPF Contribution Calculator 2026
Free CPF contribution calculator for 2026: employee and employer CPF by age, with the S$8,000 Ordinary Wage ceiling, bonuses, and the reduced rates for wages under S$750.
Your wages this month
Total CPF this month
S$1,850
| You pay (20%) | S$1,000 |
| Your employer pays (17%) | S$850 |
| Ordinary wages counted (ceiling S$8,000) | S$5,000 |
| Bonus counted (annual ceiling) | S$0 |
| Take-home after your CPF | S$4,000 |
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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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.