CPF Calculator Singapore
Calculate your monthly CPF contributions in Singapore based on your salary and the prevailing employee and employer contribution rates. Get the employee, employer and total amounts instantly.
Singapore CPF Contribution Calculator
CPF Contribution Formula
Where:
- \(S\) — gross monthly salary in SGD
- \(r_{ee}\) — employee CPF contribution rate (%)
- \(r_{er}\) — employer CPF contribution rate (%)
Each contribution is simply a percentage of the monthly salary, and the total is the sum of the employee's and the employer's share. The employee's share is deducted from the salary, while the employer's share is paid on top of it.
CPF Calculator – Calculation Example
Example: an employee below 55 years old earns a gross monthly salary of $4,000. The prevailing rates are 20% for the employee and 17% for the employer.
\[ \text{Employee CPF} = 4000 \times \frac{20}{100} = 800 \]
\[ \text{Employer CPF} = 4000 \times \frac{17}{100} = 680 \]
\[ \text{Total CPF} = 800 + 680 = 1480 \]
Result: the employee contributes $800 per month (deducted from the salary), the employer pays an additional $680, and the total monthly CPF contribution is $1,480. The employee's take-home pay is \(4000 - 800 = $3,200\).
How to Use the CPF Calculator
- Enter your gross monthly salary in the Monthly Salary field (in SGD).
- Enter the employee's share in the Employee CPF Contribution Rate field as a percentage. For members aged 55 and below, the current rate is 20%.
- Enter the employer's share in the Employer CPF Contribution Rate field. For members aged 55 and below, the current rate is 17%.
- Read the results: Employee CPF Contribution, Employer CPF Contribution and Total CPF Contribution, all in dollars per month.
What Is CPF and How Do Contributions Work?
The Central Provident Fund (CPF) is Singapore's mandatory social security savings scheme. Every month, both the employee and the employer must contribute a percentage of the employee's wages into the employee's CPF accounts. These savings fund retirement, healthcare (MediSave), and housing needs for Singapore Citizens and Permanent Residents.
The contribution is split into two parts. The employee's share is deducted directly from the monthly salary, so it reduces take-home pay. The employer's share is an additional cost paid by the company on top of the gross salary — it is not deducted from the employee's pay. This is why the total cost of hiring in Singapore is higher than the gross salary alone, and why your payslip shows a CPF deduction only for your own 20% (if you are 55 or below).
The money goes into three accounts: the Ordinary Account (OA), which can be used for housing, insurance and investment; the Special Account (SA), earmarked for retirement; and the MediSave Account (MA), for hospitalisation and approved medical insurance. From age 55, savings are also transferred into the Retirement Account (RA). The contribution rates depend on the member's age group, with the full 37% combined rate applying to members aged 55 and below, and progressively lower rates for older age groups as they approach retirement.
When interpreting the results, remember that the total CPF figure is what actually lands in your CPF accounts each month. Your net cash salary is the gross salary minus your employee contribution. If you want to see how these savings could grow into a retirement income stream, try our Retirement Planner or use the Monthly Investment Savings Calculator to project the growth of regular contributions.
Assumptions and Limitations
- Age-based rates: the calculator's default rates (20% + 17%) apply to CPF members aged 55 and below. For older age groups, both rates step down with age, and senior rates have been gradually increasing in recent years. Check the CPF Board website for the current rate table for your age before using the calculator.
- Salary ceiling: CPF contributions on ordinary wages are payable only up to a monthly salary ceiling of $7,140 (as of 2025). If your monthly salary is higher, only the first $7,140 attracts CPF; you can enter that amount as the salary to estimate your contribution.
- Annual ceiling: there is also an annual limit on CPF-contributable salary (being raised progressively to $102,000 by 2026), which affects employees with bonuses or variable pay.
- Additional wages: the calculator handles monthly (ordinary) wages only. Bonuses, commissions and other additional wages are treated separately for CPF purposes.
- Gross salary basis: the calculation assumes the salary entered is the gross CPF-liable wage, not the net amount after deductions.
If you are planning to use your CPF Ordinary Account savings for a home loan, our Mortgage Calculator can help you estimate the monthly repayments you would need to cover.
CPF Contribution Rates by Age Group (55 and Below)
| Age group | Employee rate | Employer rate | Total rate |
|---|---|---|---|
| 55 and below | 20% | 17% | 37% |
For members above 55, rates decrease with age in bands (above 55 to 60, above 60 to 65, above 65 to 70, and above 70). Because these senior rates change from year to year as part of ongoing adjustments, always confirm the current figures on the official CPF Board website before relying on them.
Frequently Asked Questions
Is CPF calculated on gross or net salary?
CPF is calculated on your gross monthly (ordinary) wage — before deductions like the employee CPF itself. A common mistake is entering take-home pay, which understates the contribution. If you earn $4,000 gross, the employee share is \(4000 \times 0.20 = $800\), not 20% of the $3,200 you actually receive.
How do I calculate CPF contributions by hand?
Multiply your gross monthly salary by each rate as a decimal. For a member 55 and below earning $5,000: employee share \(5000 \times 0.20 = $1,000\), employer share \(5000 \times 0.17 = $850\). Add them for the total: \($1,850\). Remember to cap the salary at the CPF ceiling first if you earn more than $7,140 per month (2025 figure).
Do CPF contributions apply if I earn more than the salary ceiling?
Only the first $7,140 of your monthly ordinary wages attracts CPF (as of 2025). If you earn $10,000, contributions are computed on $7,140, giving a maximum employee share of \(7140 \times 0.20 = $1,428\) and employer share of \(7140 \times 0.17 = $1,213.80\). There is also an annual limit on total CPF-contributable salary, which matters if you receive large bonuses.
How do CPF rates change with age?
The full 37% combined rate applies to members aged 55 and below. Above 55, rates step down in bands (above 55 to 60, above 60 to 65, above 65 to 70, and above 70), with the employee share falling more sharply than the employer share. Senior rates have been gradually raised in recent years, so check the current CPF Board rate table for your exact age band before using the calculator.
Are bonuses and commissions included in CPF contributions?
Yes, but they are treated as additional wages and calculated separately from your monthly salary. Bonuses, commissions and annual variable payments attract CPF at the same age-based rates, but they count toward the annual salary ceiling rather than the monthly one. This calculator only covers ordinary monthly wages, so add your bonus calculation separately.
How is my CPF contribution split between OA, SA and MediSave?
The total contribution is allocated across your Ordinary Account, Special Account and MediSave Account in proportions that vary with age. For members 55 and below, most goes into the OA (for housing), with smaller portions into the SA (retirement) and MA (healthcare). From 55, savings are moved into a Retirement Account. The calculator shows the total contribution, not this internal split — see the CPF Board allocation table for details.
Do employers pay CPF for all workers in Singapore?
Employers must pay CPF for Singapore Citizens and Permanent Residents. Employment Pass, S Pass and work permit holders are generally not covered by CPF, though the employer pays a Foreign Worker Levy instead. Self-employed persons do not make monthly CPF wage contributions but must contribute to MediSave based on their annual net trade income. Check your own status with the CPF Board.