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CPF Contribution Calculator

Calculate CPF Contributions

Enter your monthly wage, age group, and citizenship status to calculate CPF contributions.

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Based on CPF contribution rates effective 1 January 2026. OW ceiling is SGD 8,000/month. Actual contributions may vary based on additional wages and annual limits.

What is CPF?

The Central Provident Fund (CPF) is Singapore's mandatory social security savings scheme. Both employees and employers contribute a percentage of the employee's monthly wage. CPF savings are allocated to three accounts:

  • Ordinary Account (OA): Housing, insurance, investment, education
  • Special Account (SA): Retirement and investment
  • MediSave Account (MA): Healthcare and hospitalization

CPF Contribution Rates (2026)

For Singapore Citizens and 3rd-year+ PRs, effective 1 January 2026:

  • 55 & below: Employee 20% + Employer 17% = 37%
  • Above 55-60: Employee 18% + Employer 16% = 34%
  • Above 60-65: Employee 12.5% + Employer 12.5% = 25%
  • Above 65-70: Employee 7.5% + Employer 9% = 16.5%
  • Above 70: Employee 5% + Employer 7.5% = 12.5%
OW Ceiling: CPF applies on wages up to SGD 8,000/month

The OW ceiling rose in phases from SGD 6,000 in 2022 to SGD 8,000 on 1 January 2026, and rates for employees above 55 also increased as part of the same multi-year Budget schedule to bring senior worker contribution rates progressively closer to the under-55 rate. The separate Annual (CPF) Salary Ceiling — which caps total CPF-eligible Ordinary plus Additional Wages for the year — stays at SGD 102,000.

FAQ

Frequently Asked Questions

Common questions about CPF contributions in Singapore

Who needs to contribute to CPF? −

CPF contributions are mandatory for all Singapore Citizens and Permanent Residents (PRs) who are employed and earning more than $50 per month. Employers must contribute for all employees regardless of whether they are full-time, part-time, or casual workers. Self-employed persons are required to contribute to their MediSave account.

What is the Ordinary Wage (OW) ceiling? +

Did CPF contribution rates change in 2026? +

What are the CPF rates for Permanent Residents? +

Can I make voluntary CPF contributions? +

Have more questions? Check our knowledge base or contact us.

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