CPF Contribution Calculator (2025) – Singapore Central Provident Fund
Calculate CPF contributions in 2025. Enter your age, citizenship status, and wages to see employee and employer CPF contributions with current Singapore rates.
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
- Enter your wage details - Input your monthly ordinary wage and any additional wages (bonuses, commissions).
- Set your age - Enter your current age as CPF rates vary by age group.
- Select citizenship status - Choose between Singapore Citizen or Permanent Resident (with year of PR status).
- Review results - See your employee contribution, employer contribution, total CPF, and net salary.
Calculation Formula & Example
The Formula
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
Where:
- Ordinary Wage = Monthly salary (capped at S$6,000)
- Additional Wage = Bonuses, commissions (capped at S$102,000/year)
- Employee Rate = CPF contribution rate for employee (varies by age and citizenship)
- Employer Rate = CPF contribution rate for employer (varies by age and citizenship)
Example Calculation
Example (2025):
- 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 of Using This Calculator
- 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.
Calculator Use Cases
Calculate net salary when considering job offers with different wage structures.
Plan your monthly budget based on actual take-home pay after CPF.
Understand your CPF contribution amounts for retirement planning.
Frequently Asked Questions
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