Singapore CPF Calculator
2026 — Fast, Accurate, Free
Singapore CPF Calculator instantly calculates employee and employer CPF contributions for all age groups. Reflects the latest S$8,000 OW ceiling and revised senior worker rates effective 1 January 2026.
Enter your details below. All figures are in Singapore Dollars (SGD).
Fill in your details and click Calculate CPF to see your results.
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Singapore CPF Calculator 2026 note: ⚠ Allocation breakdown is approximate based on CPF’s official rate tables. AW ceiling assumes this is the only AW payment in the current calendar year. Rounding applied per CPF rules: total contribution rounded to nearest dollar; employee share rounded down.
How It Works
Three steps to your Singapore CPF Calculator contribution
Singapore CPF Calculator 2026 shows that Singapore’s CPF contribution system is built on four inputs: your salary, your age group, your residency status, and whether you’re receiving any bonuses. Here’s how each affects your calculation.
Enter Your Wages
Input your Ordinary Wage (monthly salary + regular allowances) and any Additional Wage (bonuses, commissions) separately — CPF treats them differently due to the AW ceiling.
Select Your Age Group
CPF rates change at ages 55, 60, 65, and 70. The new age group applies from the month after your birthday in that milestone year.
Choose Residency Status
Singapore Citizens and 3rd-year-onwards PRs contribute at full rates. First and second-year PRs contribute at lower graduated rates to ease the transition.
Read Your Results
Instantly see employee deduction, employer contribution, total CPF, take-home pay, and an estimated breakdown across OA, SA/RA, and MediSave accounts.
2026 Rates Reference
CPF Contribution Rate Table — January 2026
For Singapore Citizens and SPRs from the 3rd year of residency. Rates apply to employees earning more than S$750/month. The OW ceiling is capped at S$8,000 from 1 January 2026.
| Age Group | Employer Rate | Employee Rate | Total Rate | Change vs 2025 |
|---|---|---|---|---|
| 55 & below | 17% | 20% | 37% | No change |
| Above 55 to 60 Updated | 16% | 18% | 34% | +1.5% (was 32.5%) |
| Above 60 to 65 Updated | 12.5% | 12.5% | 25% | +1.5% (was 23.5%) |
| Above 65 to 70 | 9% | 7.5% | 16.5% | No change |
| Above 70 | 7.5% | 5% | 12.5% | No change |
Source: CPF Board, effective 1 January 2026. Additional 2026 contributions for ages 55–65 are fully allocated to the Retirement Account (RA), up to the Full Retirement Sum (FRS).
SPR Graduated Rates (1st & 2nd Year)
First and second-year Singapore Permanent Residents contribute at lower rates. From the 3rd year of SPR status, full rates (same as SC above) apply.
| Age Group | Employer (1st yr) | Employee (1st yr) | Total (1st yr) | Employer (2nd yr) | Employee (2nd yr) | Total (2nd yr) |
|---|---|---|---|---|---|---|
| ≤55 | 4% | 5% | 9% | 9% | 15% | 24% |
| 55–60 | 4% | 5% | 9% | 6% | 12.5% | 18.5% |
| 60–65 | 3.5% | 3.5% | 7% | 3.5% | 7.5% | 11% |
| 65–70 | 3.5% | 3.5% | 7% | 3.5% | 5% | 8.5% |
| >70 | 3.5% | 3.5% | 7% | 3.5% | 5% | 8.5% |
2026 Key Numbers
What changed in January 2026?
The 2026 CPF changes affect all employees earning over S$7,400/month and all senior workers aged 55–65. Here’s a quick summary of the numbers that matter.
CPF Account Breakdown
Where does your CPF go?
Singapore CPF Calculator 2026 shows that Your total CPF contribution is split across up to four accounts, each serving a distinct life purpose. The allocation proportions shift as you age, prioritising retirement savings later in life.
Ordinary Account
Used for housing (HDB / private property), approved investments, education, and insurance premiums. Receives the largest share early in your career.
2.5% p.a. base interestSpecial Account
Earmarked for retirement and CPF-approved investments. Accrues higher interest than OA. Note: SA is closed and transferred to RA when you turn 55.
4.0% p.a. base interestMediSave Account
Covers hospitalisation, approved medical expenses, and MediShield Life premiums. Capped at the Basic Healthcare Sum of S$79,000 in 2026 — excess flows to SA/RA.
4.0% p.a. base interestRetirement Account
Created at age 55 from your SA (and part of OA if needed) up to the Full Retirement Sum. Funds your CPF LIFE monthly payouts from your Payout Eligibility Age.
4.0% p.a. base interestIn-Depth Guide
Understanding Singapore CPF Contributions in 2026
Singapore CPF Calculator 2026 helps understand The Central Provident Fund (CPF) is Singapore’s mandatory savings scheme, requiring both employers and employees to set aside a portion of monthly wages for retirement, housing, and healthcare. Understanding how CPF contributions work helps employees plan their take-home pay and helps employers accurately budget their total staff costs.
From 1 January 2026, two significant changes came into effect: the Ordinary Wage (OW) ceiling rose to its final target of S$8,000, and contribution rates for senior workers aged 55 to 65 increased by a total of 1.5 percentage points to strengthen retirement adequacy.
How CPF Contributions Are Calculated
Singapore CPF Calculator 2026 helps compute CPF contributions, which are calculated on two categories of wages:
- Ordinary Wage (OW): Regular monthly wages such as basic salary and fixed monthly allowances. For CPF purposes, OW is capped at S$8,000 per month in 2026. If your salary is S$9,000, only S$8,000 is subject to CPF.
- Additional Wage (AW): Non-monthly payments like annual bonuses, variable commissions, or ad hoc allowances. These are subject to CPF up to the AW ceiling, which is S$102,000 minus the total OW already subject to CPF for the calendar year.
The Rounding Rules (Important for Payroll)
CPF Board has specific rounding rules that affect the final contribution amounts:
- Compute the total CPF contribution and round to the nearest dollar (50 cents and above rounds up; below 50 cents rounds down).
- Compute the employee’s share — always round down to the nearest dollar (cents are dropped).
- The employer’s share = Total CPF − Employee’s share.
The 2026 OW Ceiling Increase: Who Is Affected?
The OW ceiling increase from S$7,400 to S$8,000 affects every employee earning between S$7,400 and S$8,000 (or above) per month. For an employee aged 55 and below earning S$7,900 per month:
- In 2025: CPF calculated on S$7,400 → Employee deduction S$1,480 (20%), Employer contribution S$1,258 (17%)
- In 2026: CPF calculated on S$7,900 → Employee deduction S$1,580 (20%), Employer contribution S$1,343 (17%)
- The employee’s take-home pay decreases by S$100/month, but S$100 + S$85 = S$185 more flows into CPF each month.
New 2026 Rates for Senior Workers (Ages 55–65)
The most significant 2026 change affects employees aged above 55 to 65. The total contribution rate increases by 1.5 percentage points for both age bands:
- Ages above 55–60: Total rate rises from 32.5% to 34% (employer: 15.5% → 16%; employee: 17% → 18%)
- Ages above 60–65: Total rate rises from 23.5% to 25% (employer: 12% → 12.5%; employee: 11.5% → 12.5%)
All additional contributions from this increase are fully directed into the employee’s Retirement Account (RA), up to the Full Retirement Sum of S$220,400. If the FRS is already met, contributions go to the Ordinary Account instead.
Understanding Take-Home Pay vs. Total Cost
In the Singapore CPF Calculator 2026, CPF affects two different figures that are often confused:
- Take-home pay = Gross salary minus employee CPF contribution. This is what appears in the bank account.
- Employer’s total cost = Gross salary plus employer CPF contribution. This is the true cost of hiring someone.
For example, hiring a Singapore Citizen aged 40 at S$5,000/month: the employee receives S$4,000 (after 20% employee CPF = S$1,000), while the employer’s total cost is S$5,850 (S$5,000 salary + S$850 employer CPF at 17%).
To understand how CPF interacts with income tax, our Singapore Income Tax Calculator 2026 lets you calculate your chargeable income and tax payable after CPF relief.
CPF Contributions for Singapore Permanent Residents
Singapore CPF Calculator 2026 explains that First and second-year SPRs contribute at lower graduated rates to ease the transition into the CPF system. Both the employer and employee may apply jointly to contribute at full rates (same as SC) even in the first two years of PR status. From the third year of PR status onwards, the full SC rates automatically apply.
Singapore CPF Calculator 2026 shows that The graduated rates exist because the sudden jump to full CPF contributions can significantly affect an SPR employee’s take-home pay. The phased approach gives them time to adjust their financial planning.
FAQ
Frequently Asked Questions
Everything you need to know about Singapore CPF contributions in 2026.
Disclaimer:
This Singapore CPF Calculator provides estimates based on current CPF rules and contribution rates. Actual amounts may vary depending on salary components, age group, residency status, and CPF Board updates. This tool is for informational purposes only and is not professional financial or legal advice.