CPF Contribution Calculator

Employee and employer CPF on your monthly wage, and how it is split between your accounts.

Total CPF each month–

Your share: –
Employer's share: –
Wage after your CPF share: –

Your wage is above the Ordinary Wage ceiling of S$8,000 a month, so CPF is worked out on S$8,000 only.

Wages above $500 and up to $750 a month: your own share is phased in, so it is lower than the full rate.

Wages above $50 and up to $500 a month: only the employer pays CPF. Nothing is deducted from your pay.

No CPF is payable on wages of $50 a month or less.

Where It Goes

Ordinary Account: –
Special Account: –
MediSave Account: –
Total: –

With your Full Retirement Sum already set aside, the Retirement Account share goes to your Ordinary Account instead.

2026 And 2027 Side By Side

Year	Your share	Employer	Total

From 1 January 2027, contribution rates rise for employees aged above 55 to 65. The increase goes to the Retirement Account, up to the Full Retirement Sum.

How CPF Contributions Are Worked Out

Each month, you and your employer each pay a percentage of your wage into your CPF. The percentages depend on your age and, for Permanent Residents, how long you have held that status. The total is rounded to the nearest dollar. Your own share drops the cents, and your employer pays the rest.

Only the first S$8,000 of monthly Ordinary Wages attracts CPF. Lower-paid employees are treated differently: up to $500 a month only the employer pays, and between $500 and $750 the employee's share is phased in.

The contribution is then split. MediSave gets its share first, then the Special Account, or the Retirement Account if you are above 55. The Ordinary Account gets what is left. As you get older, less goes to the Ordinary Account and more to retirement and healthcare.

Assumptions And Limits

Covers private-sector employees paid a monthly wage. It works on Ordinary Wages only: bonuses and other Additional Wages have their own ceiling and are left out.
Uses the CPF Board rate tables in force from 1 January 2026 and the published tables that take effect on 1 January 2027, when rates rise for employees aged above 55 to 65.
For Permanent Residents in their first or second year, it uses the graduated employer and employee rates. If you and your employer have jointly applied to pay full rates, choose the citizen option.
The split between accounts uses the CPF allocation ratios by age. CPF publishes one set of ratios by age, which this tool also applies to first- and second-year Permanent Residents. The split is rounded to the cent and may differ from your statement by a cent or two.
Your age band changes on the first day of the month after your 35th, 45th, 50th, 55th, 60th, 65th or 70th birthday. Self-employed persons, platform workers and pensionable public officers follow different rules.

This calculator was built with AI tools from published rules and may contain errors. Results are estimates for education only, not financial advice and not a guarantee. Rates and rules change; confirm with the official source before you act. Your figures stay in your browser: nothing you type is sent to us.

CPF Contribution Calculator

Your Wage

Where It Goes

2026 And 2027 Side By Side

How CPF Contributions Are Worked Out

Assumptions And Limits

Sources

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