CPF Contribution Calculator (2026) – Singapore Central Provident Fund
Calculate CPF contributions in 2026. Enter your age, citizenship status, and wages to see employee and employer CPF contributions with current Singapore rates.
Last updated: April 2026
What is the CPF Contribution Calculator?
The CPF Contribution Calculator helps you estimate your Central Provident Fund contributions based on your age, citizenship status, and wages. It calculates both employee and employer contributions according to the current CPF rates and wage ceilings.
This tool is particularly useful for understanding how much will be deducted from your salary for CPF, how much your employer contributes, and what your net take-home pay will be after CPF deductions.
How to use this calculator
- 1Enter your wage details — Input your monthly ordinary wage and any additional wages (bonuses, commissions).
- 2Set your age — Enter your current age as CPF rates vary by age group.
- 3Select citizenship status — Choose between Singapore Citizen or Permanent Resident (with year of PR status).
- 4Review results — See your employee contribution, employer contribution, total CPF, and net salary.
Formula & example
Employee Contribution = (Ordinary Wage × Employee Rate) + (Additional Wage × Employee Rate); Employer Contribution = (Ordinary Wage × Employer Rate) + (Additional Wage × Employer Rate); Net Salary = Total Wages − Employee Contribution
Example (2026):
- Monthly Wage: S$5,000; Additional Wage: S$2,000; Age: 30; Singapore Citizen
- Employee Rate: 20%; Employer Rate: 17%
Step: Employee Contribution = (5,000 × 20%) + (2,000 × 20%) = S$1,000 + S$400 = S$1,400
Step: Employer Contribution = (5,000 × 17%) + (2,000 × 17%) = S$850 + S$340 = S$1,190
Result: Net Salary = S$7,000 − S$1,400 = S$5,600
Benefits
Salary planning
Understand your take-home pay after CPF deductions for better financial planning.
Employer insights
See how much your employer contributes to your CPF account.
Rate comparison
Compare contribution rates across different age groups and citizenship statuses.
Use cases
Job offer evaluation
Calculate net salary when considering job offers with different wage structures.
Budget planning
Plan your monthly budget based on actual take-home pay after CPF.
Retirement planning
Understand your CPF contribution amounts for retirement planning.
Frequently asked questions
What is CPF?+
CPF (Central Provident Fund) is Singapore's mandatory social security savings scheme. Both employees and employers contribute to CPF, which provides for retirement, healthcare, and housing needs.
How are CPF contribution rates determined?+
CPF contribution rates vary based on your age and citizenship status. Singapore Citizens have higher rates than Permanent Residents (PRs), and PRs have graduated rates in their first three years. Rates also decrease as you get older.
What are the wage ceilings for CPF contributions?+
As of 2025, the Ordinary Wage Ceiling is S$6,000 per month, and the Additional Wage Ceiling is S$102,000 per year. Contributions are calculated only on wages up to these ceilings.
What's the difference between Ordinary Wages and Additional Wages?+
Ordinary Wages are regular monthly salary payments, while Additional Wages include bonuses, commissions, and other non-regular payments. Both are subject to CPF contributions but have different ceilings.
Is this calculator accurate for all situations?+
This calculator provides estimates based on standard CPF rates. For complex situations, special employment arrangements, or the most current rates, please refer to the official CPF website or consult with a qualified professional.
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