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CPF Contribution Calculator (Singapore)

Work out employer and employee CPF by age band at the 2026 rates, with the $8,000 Ordinary Wage ceiling applied.

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Capped at $8,000 for CPF
Total CPF a month
 
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What are the CPF contribution rates for 2026?

For Citizens and PRs from the third year, the total is 37% for 55 and below (17% employer, 20% employee), 34% for above 55 to 60, 25% for above 60 to 65, 16.5% for above 65 to 70, and 12.5% above 70.

Where Compono fits

CPF is the part of the employment cost you cannot change. What you can change is whether the person is right for the role and the team, which is what decides whether that contribution buys you three years or three months. Compono reads culture fit at hire and engagement once people are in, so the cost of employing someone turns into something that compounds.

See how it works

How it's calculated

CPF contributions are charged on Ordinary Wages up to the monthly ceiling of $8,000. From 1 January 2026 the total rate is 37% for employees 55 and below (17% employer, 20% employee), 34% for above 55 to 60 (16% and 18%), 25% for above 60 to 65 (12.5% each), 16.5% for above 65 to 70 (9% and 7.5%), and 12.5% above 70 (7.5% and 5%). The rates for workers above 55 to 65 rose by 1.5 percentage points on 1 January 2026, and rise again on 1 January 2027. These are the full rates for Citizens and Permanent Residents from their third year onwards: first- and second-year Permanent Residents pay graduated rates that are substantially lower, so this tool will overstate the cost for a new PR. Rates also taper for wages below $750 a month and are nil at $50 or under. CPF is not payable for foreign work pass holders. This is general guidance, not legal advice.

New to the term? Read the plain-English definition of CPF contributions in the HR Glossary.

Common questions

What changed on 1 January 2026?

The total rates for workers above 55 to 65 rose by 1.5 percentage points. The bands for 55 and below, 65 to 70 and above 70 were unchanged. Rates rise again on 1 January 2027.

Do new Permanent Residents pay full CPF rates?

No. First- and second-year PRs pay graduated rates that are much lower than the full rates. This calculator shows the full rates for the third year onwards, so it will overstate cost for a new PR.

Is CPF capped?

Yes. Ordinary Wages are capped at $8,000 a month for CPF purposes, and the CPF annual salary ceiling is $102,000 once Additional Wages are counted.

This page is general information, not legal advice. We check figures annually and update them on a best-efforts basis, but employment rules change and we cannot promise everything here is current or complete. Before you act on it, confirm the detail with the Ministry of Manpower or your own adviser. Last reviewed July 2026.