CPF Contribution Calculator (2026)
Calculate your take-home pay and CPF allocation using 2026 rates.
What is the CPF Contribution Calculator?
The CPF Contribution Calculator estimates how much you and your employer pay into Singapore's Central Provident Fund each month. It uses the latest 2026 contribution rates published by the CPF Board, including the $8,000 ordinary wage ceiling, to show your take-home pay and account allocation.
Enter your salary and click Calculate to see your CPF breakdown
Employee
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Employer
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Total CPF
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Quick Reference
- • CPF Ordinary Wage ceiling: $8,000/month from 1 Jan 2026
- • Annual Wage Ceiling: $102,000
- • Employee contribution rate (age 55 and below): 20%
- • Employer contribution rate (age 55 and below): 17%
- • Employee share is always rounded down to the nearest dollar
How CPF Contributions Work
The Central Provident Fund (CPF) is Singapore's mandatory savings scheme for working citizens and permanent residents. Both employees and employers make monthly contributions based on the employee's age and monthly ordinary wages.
From January 2026, the Ordinary Wage (OW) ceiling increased to $8,000 per month. This means CPF contributions are calculated on wages up to $8,000 — any amount above is not subject to CPF. The Annual Wage Ceiling is $102,000. Use our Salary Calculator to see how CPF affects your take-home pay.
Contributions are split across three accounts. The allocation ratio changes with age — younger workers have more going to the Ordinary Account (for housing), while older workers have more going to MediSave and the Retirement Account. See the exact split with our CPF Allocation Calculator.
Ordinary Account (OA)
Housing, insurance, education, investments
2.5% p.a. interest
Special / Retirement Account
Retirement savings, CPF Life premiums
4.0% p.a. interest
MediSave Account (MA)
Hospitalisation, MediShield Life, insurance
4.0% p.a. interest
Frequently Asked Questions
How much CPF do I pay in Singapore?expand_more
If you are a Singapore citizen aged 55 and below, you contribute 20% of your monthly ordinary wages to CPF. Your employer contributes an additional 17%, for a total of 37%. Rates decrease progressively for older age groups.
What is the CPF ordinary wage ceiling in 2026?expand_more
From 1 January 2026, the CPF Ordinary Wage (OW) ceiling is $8,000 per month (up from $6,800 previously). This means CPF contributions are calculated on monthly wages up to $8,000 only. The Annual Wage Ceiling is $102,000.
How is CPF contribution calculated?expand_more
Total CPF is calculated by multiplying your capped ordinary wage ($8,000 max) by the total contribution rate for your age group. The employee share is always rounded down to the nearest dollar, and the employer share is the difference between the total and employee amounts.
Does my employer also contribute to CPF?expand_more
Yes. For employees aged 55 and below, the employer contributes 17% on top of the 20% employee contribution. Employer contributions are not deducted from your salary — they are an additional cost borne by the employer.
Which CPF account does my money go into?expand_more
CPF contributions are allocated across three accounts: Ordinary Account (OA) for housing and education, Special Account (SA) or Retirement Account (RA) for retirement, and MediSave Account (MA) for healthcare. The allocation ratio depends on your age group.
Sources
- • CPF Board (cpf.gov.sg) — Contribution rates, ordinary wage ceiling, allocation ratios, and rounding rules
- • Ministry of Manpower (mom.gov.sg) — Employment Act provisions on CPF obligations