CPF Contribution Calculator (2026)
Enter your age and pay to see how much CPF comes out of your salary, how much your employer adds, and which accounts it goes into.
What we noticed
Year by year
How this calculator works
CPF is a percentage of your monthly pay, and the percentage depends on your age. Your employer pays most of it on top of your salary and you pay the rest from your pay. For Singapore Citizens and Permanent Residents from the 3rd year, the total is 37% of pay up to age 55, with 20% from you and 17% from your employer.
CPF is only worked out on the first S$8,000 of monthly pay. Bonuses count too, up to S$102,000 of pay in a year. We then split the total across your accounts using the CPF Board's allocation rates for your age.
This is an estimate for Citizens and Permanent Residents from the 3rd year. New PRs pay lower rates in their first 2 years, and your payslip is the final word.
CPF rates from 1 January 2026
| 55 and below | 37% in total: 20% you, 17% employer |
|---|---|
| Above 55 to 60 | 34% in total: 18% you, 16% employer |
| Above 60 to 65 | 25% in total: 12.5% you, 12.5% employer |
| Above 65 to 70 | 16.5% in total: 7.5% you, 9% employer |
| Above 70 | 12.5% in total: 5% you, 7.5% employer |
| Monthly pay ceiling | S$8,000 |
| Yearly pay ceiling (pay plus bonus) | S$102,000 |
Sources: Official source
Frequently asked questions
How much CPF do I pay?
If you are 55 or younger, you pay 20% of your monthly pay and your employer adds 17%, up to S$8,000 of pay a month. The rates are lower as you get older.
Does CPF apply to my bonus?
Yes. Bonuses are called additional wages and the same rates apply. The most pay that counts in a year is S$102,000, bonus included.
What is the CPF salary ceiling?
From 1 January 2026 CPF is worked out on up to S$8,000 of your monthly pay. Pay above that has no CPF on it.
Where does my CPF go?
Into three accounts: Ordinary, Special (Retirement from 55) and MediSave. The shares depend on your age. At 35 or younger, about 62% goes to your Ordinary Account.
Are these rates for everyone?
They are for Singapore Citizens and Permanent Residents from the 3rd year of PR status. New PRs pay lower, graduated rates for their first 2 years.