CPF Calculator — Singapore

Calculate CPF contributions with OA/SA/MA breakdown by age

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CPF Calculator — Singapore is a free, browser-based tool that lets you calculate cpf contributions with oa/sa/ma breakdown by age — with zero signup, zero installation. Your data never leaves your browser. Part of 111+ free developer and business tools at wowhow.cloud, built and maintained by a team with 14+ years of hands-on development experience.

TOOLCPF Calculator — Singapore

Monthly Gross Salary (SGD)S$5,000

S$500S$20,000

Employee Age32 years old

1680

Rate bracket: 35 and below

Annual Bonus / Additional Wages (SGD)

2026 CPF Wage Ceilings

Ordinary Wage ceilingS$8,000/month

Additional Wage ceilingS$102,000/year

CPF contributions on bonuses and additional wages apply up to the AW ceiling less the total ordinary wages subject to CPF for the year.

CPF Contribution Rates by Age

Age	Employee	Employer	Total
35 and below	20.0%	17.0%	37.0%
Above 35 to 45	19.0%	16.0%	35.0%
Above 45 to 50	18.0%	15.0%	33.0%
Above 50 to 55	15.0%	13.0%	28.0%
Above 55 to 60	11.5%	10.0%	21.5%
Above 60 to 65	7.0%	7.0%	14.0%
Above 65	5.0%	5.0%	10.0%

Monthly Take-Home Pay

S$4,000/month

Age 32 · 35 and below bracket · 20.0% employee rate

Employee CPF

S$1,000.00

20.0% of capped OW

Employer CPF

S$850.00

17.0% of capped OW

Total CPF

S$1,850.00

37.0% of gross

Gross Salary

S$5,000

Full OW

CPF Account Allocation (Monthly)

Ordinary Account (OA)

S$1,149.96

62.2% of total CPF

Special Account (SA)

S$299.89

16.2% of total CPF

MediShield / MA

S$400.16

21.6% of total CPF

Total to CPF accountsS$1,850.00

Annual Summary

Annual Gross SalaryS$60,000

Annual Employee CPFS$12,000.00

Annual Employer CPFS$10,200.00

Annual Total CPFS$22,200.00

Annual Take-Home PayS$48,000

Rates apply to Singapore Citizens and Permanent Residents (3rd year onwards). PRs in the 1st and 2nd year have different rates. Calculations are based on CPF Board contribution rate tables effective 2026 and use the Ordinary Wage ceiling of S$8,000/month. Verify your exact contributions with your employer or at cpf.gov.sg.

About CPF Calculator — Singapore

The Central Provident Fund (CPF) is Singapore's mandatory social security savings scheme for retirement, housing, and healthcare. Both employees and employers contribute a percentage of monthly salary — the exact rates depend on the employee's age. This calculator applies the 2026 CPF contribution rates and the S$8,000/month Ordinary Wage ceiling, showing exactly how much goes into each CPF account (OA/SA/MA) and your actual take-home pay.

How It Works

CPF contributions are calculated on Ordinary Wages (monthly salary) up to the S$8,000 ceiling. Employee contribution = capped salary × employee rate. Employer contribution = capped salary × employer rate. The combined total is then allocated across three accounts in ratios that shift with age: younger workers get more into OA (for housing), older workers get more into SA and MA (for retirement and healthcare).

For example, an employee aged 32 earning S$5,000/month contributes 20% (S$1,000) and the employer contributes 17% (S$850). Total CPF: S$1,850. Of that: S$1,150 goes to OA (62.16%), S$300 to SA (16.21%), S$400 to MA (21.63%). Take-home pay: S$5,000 - S$1,000 = S$4,000/month.

Who Is This For

A 29-year-old software engineer joining a Singapore tech company at S$7,500/month wants to know their take-home pay and how much employer CPF they will receive (S$1,275/month in 2026).

A 52-year-old professional considering whether to stay at their current company or accept a new role — the calculator shows their CPF benefit at S$8,000 OW ceiling (S$2,240 total monthly CPF).

A HR manager computing CPF costs for a team of 10 employees across different age brackets to build an accurate annual headcount budget.

A permanent resident in their 3rd year wanting to confirm their CPF rates have transitioned from the graduated PR rates to full citizen-equivalent rates.

Scope note: This calculator applies rates for Singapore Citizens and PRs in their 3rd year or beyond. PR 1st and 2nd year rates are different (graduated scheme) and not modeled here. CPF Voluntary Contributions (VC) and the Matched Retirement Savings Scheme (MRSS) are not included. The Additional Wage ceiling computation uses the standard formula — actual ceiling may vary based on year-to-date ordinary wages. Verify all figures with your employer's payroll system or at cpf.gov.sg before making financial decisions.

How to Use

Enter your monthly gross salary in SGD

Set your age — the calculator applies the correct CPF rate bracket automatically

Add any annual bonus or additional wages to see CPF on those payments

Review your monthly take-home pay, employee and employer CPF, and OA/SA/MA account breakdown

Frequently Asked Questions

For employees 35 and below: employee 20%, employer 17%, total 37%. Rates decrease with age: 35-45 (19%/16%/35%), 45-50 (18%/15%/33%), 50-55 (15%/13%/28%), 55-60 (11.5%/10%/21.5%), 60-65 (7%/7%/14%), above 65 (5%/5%/10%). These rates apply to Singapore Citizens and PRs from the 3rd year.

The Ordinary Wage ceiling is S$8,000 per month in 2026. Only the first S$8,000 of monthly salary is subject to CPF contributions. Income above S$8,000/month is not subject to CPF on the ordinary wage component.

The Annual Additional Wage (AW) ceiling for CPF contributions is S$102,000 minus the total ordinary wages subject to CPF during the year. Bonuses and variable pay are Additional Wages — CPF contributions on AW are capped at this ceiling.

The OA is primarily for housing, education, and investment. The SA is for retirement purposes and earns a higher guaranteed interest rate (4% vs OA's 2.5%). The MA (now called the MediShield Life Account or Retirement Account after 55) covers medical insurance premiums and healthcare expenses. The allocation ratio between accounts shifts with age — older workers get more allocated to SA and MA.

No. CPF applies only to Singapore Citizens and Permanent Residents. Foreign workers (Employment Pass, S Pass, Work Permit holders) are not subject to CPF contributions. Employers of foreign workers pay the Skills Development Levy (SDL) instead.

The Ordinary Account earns 2.5% per annum. The Special Account and MediShield Account earn 4% per annum. An additional 1% interest is paid on the first S$60,000 of combined CPF balances (capped at S$20,000 for OA). Members aged 55 and above earn an extra 1% on the first S$30,000 of combined balance. These interest rates are guaranteed by the CPF Board.

CPF savings can be withdrawn when you reach age 55 (from retirement accounts above the Basic Retirement Sum) and at age 65 when monthly CPF LIFE payouts begin. For housing, OA funds can be used for HDB flat purchases, loan repayments, and housing-related CPF withdrawals. For investment, OA and SA funds above threshold amounts can be invested under the CPF Investment Scheme (CPFIS).