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Free tools for HR leaders

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.

Your numbers

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.

How we calculated this

The calculator takes the monthly Ordinary Wage, caps it at the $8,000 CPF ceiling, and applies the employer and employee rates for the age band you chose, at the rates in force from 1 January 2026. The employer share and the employee share are shown separately and then added, because the total is what the wage actually costs to put through payroll and what reaches the employee's CPF accounts. These are the full rates for Citizens and for Permanent Residents from the third year of PR status. The working and the sources are below.

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

Your working
Assumptions
  • Uses the 1 January 2026 rates: 37% total 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, 12.5% above 70. The rates for above 55 to 65 rise again on 1 January 2027.
  • Assumes monthly wages above $750. Between $50 and $750 the employee share tapers and the employer share is charged on a graduated basis; at $50 or under no CPF is payable. Low-wage and part-time cases need the CPF Board tables.
  • Assumes a Citizen or a PR from the third year of PR status. First- and second-year PRs pay graduated rates that are substantially lower unless employer and employee jointly elect to pay full rates, so this overstates the cost of a new PR.
  • Covers Ordinary Wages only. Additional Wages such as bonuses attract CPF up to a separate annual ceiling ($102,000 less the year's Ordinary Wages), and CPF is not payable at all for foreign work pass holders.
Sources

What to do about it

CPF is the part of the employment cost you cannot negotiate. What you can decide is how long the person stays and what they do while they are here, which is what turns 37% of wages into an investment or a write-off. These steps are for whoever runs payroll or the headcount plan, whether or not they own the hiring decision.

1

Check the age band and residency for every person on the run

The rate changes at 55, 60, 65 and 70, and again on 1 January 2027 for the middle bands. A payroll that treats everyone as "55 and below" over-contributes for older staff, and under-contributes if the PR status was set wrong. Note the birthday and the PR anniversary against each record.

2

Split the wage correctly

Ordinary Wages and Additional Wages have different ceilings. Put bonuses, commissions, allowances and overtime in the right box, and check the annual ceiling before the year-end bonus run. The CPF Board's own calculator is the cross-check.

3

Show employees both shares

Most people see the 20% leave their payslip and never see the 17% arrive. Put the employer contribution in dollars on the payslip and in the offer letter. A benefit that is invisible does no retention work.

4
Where a tool helps

Ask what the contribution buys

For each team, look at average tenure alongside the CPF you paid last year. Where people leave inside two years, the contribution went to someone else's retirement. That is a fit or an engagement problem, and it is where the money is being lost.

CPF you can look up.
Tenure you have to earn.

Compono is a talent intelligence platform: an applicant tracking system and an employee engagement platform built on the same people data. Payroll systems calculate CPF perfectly and have nothing to say about whether the person will still be here to benefit from it.

Compono reads fit before you make the offer, so the seat is filled by someone who suits the team, and reads engagement and culture while people are on the payroll, so drift is visible before it becomes a resignation. Step 4 asks what the contribution bought you. Compono is the people data that answers it.

See how it works
Compono
$34M
saved by VicRoads over two years

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.

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