{"id":314,"date":"2015-06-02T12:44:45","date_gmt":"2015-06-02T10:44:45","guid":{"rendered":"http:\/\/wpcalc.com\/?p=314"},"modified":"2026-09-30T19:29:48","modified_gmt":"2026-09-30T16:29:48","slug":"cpf-calculator-singapore","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/en\/finance\/cpf-calculator-singapore\/","title":{"rendered":"CPF Calculator Singapore"},"content":{"rendered":"<section class=\"not-prose calculator-box\" aria-labelledby=\"calculator-title\"><div class=\"flex items-baseline sm:items-center justify-between gap-2 sm:gap-3\"><div class=\"flex flex-col sm:flex-row sm:items-center gap-2\"><span class=\"icon icon-calculator text-primary-700! text-base! dark:text-primary-300!\" aria-hidden=\"true\"><\/span><h2 id=\"calculator-title\" class=\"text-lg font-display font-bold\">Singapore CPF Contribution Calculator<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"314\" data-favorite-title=\"CPF Calculator Singapore\" data-favorite-url=\"https:\/\/wpcalc.com\/en\/finance\/cpf-calculator-singapore\/\" data-favorite-excerpt=\"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.\" aria-label=\"Add to Favorites\" data-favorite-icon=\"icon icon-loan\">\n    <span class=\"icon icon-shape-star-empty\" aria-hidden=\"true\"><\/span>\n  <\/button>\n  <div class=\"calcdash-favorite__tip\" aria-hidden=\"true\">\n   <span class=\"favorite-tooltip\" id=\"favorite-tooltip\"><\/span>\n  <\/div>\n  <span class=\"sr-only\" role=\"status\" id=\"favorite-status\"><\/span>\n<\/div><\/div><form action=\"https:\/\/wpcalc.com\/en\/finance\/cpf-calculator-singapore\/\" method=\"POST\" class=\"calculator\" id=\"calculator-314\" data-post=\"314\"><fieldset class=\"fieldset-input\"><legend class=\"sr-only\">Input Fields<\/legend><div class=\"field\" id=\"input-1\"><label for=\"field-1\">Monthly Salary<\/label><input type=\"text\" name=\"monthly_salary\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"4000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Enter your monthly salary<\/small><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Employee CPF Contribution Rate<\/label><input type=\"text\" name=\"employee_cpf_contribution_rate\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"20\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">Enter employee CPF contribution rate<\/small><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Employer CPF Contribution Rate<\/label><input type=\"text\" name=\"employer_cpf_contribution_rate\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"17\"\/><div class=\"unit\" id=\"calc-unit-3\">%<\/div><small id=\"calc-info-3\">Enter employer CPF contribution rate<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Re-Calculate\" id=\"calculate-button\" data-post=\"314\">Calculate<\/button><button type=\"reset\">Reset<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Calculate automatically<\/label><small>If enabled, the result will update automatically when you change any value.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Your Results<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Employee CPF Contribution<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copy Result\" aria-label=\"Copy Result\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Employer CPF Contribution<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copy Result\" aria-label=\"Copy Result\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Total CPF Contribution<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Copy Result\" aria-label=\"Copy Result\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Copy link to this calculation<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Leave a Comment<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"314\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">How did this result make you feel?<\/p><div role=\"group\" aria-labelledby=\"calc-reactions-title\" class=\"grid grid-cols-3 sm:flex sm:flex-row sm:justify-around gap-4 sm:items-center sm:flex-wrap\"><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"like\"><span class=\"reaction-count\" data-reaction-count=\"like\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude00 <\/span><span class=\"reaction-description font-medium\">Like <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"helpful\"><span class=\"reaction-count\" data-reaction-count=\"helpful\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\udca1 <\/span><span class=\"reaction-description font-medium\">Helpful <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"confused\"><span class=\"reaction-count\" data-reaction-count=\"confused\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude15 <\/span><span class=\"reaction-description font-medium\">Confused <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"disappointed\"><span class=\"reaction-count\" data-reaction-count=\"disappointed\">1<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude1e <\/span><span class=\"reaction-description font-medium\">Disappointed <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"inaccurate\"><span class=\"reaction-count\" data-reaction-count=\"inaccurate\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\u274c <\/span><span class=\"reaction-description font-medium\">Inaccurate <\/span><\/button><\/div><div id=\"reaction-message\" class=\"hidden mt-8 rounded-md border border-primary-100 bg-white\/50 backdrop-blur-sm px-4 py-2 text-sm text-center shadow-sm\"><\/div><\/section><div class=\"calcdash-ad not-prose calcdash-ad--calc_result calcdash-ad--in-article\"><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-1721569815777345\" data-ad-slot=\"6317458308\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\"><\/ins><script>(adsbygoogle = window.adsbygoogle || []).push({});<\/script><\/div>\n<style id=\"wpcoderpro-inline-1\">.formula-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section class=\"formula-box\" aria-labelledby=\"formula-title\">\r\n\t<div id=\"formula-title\" class=\"not-prose font-display mb-4\"><span class=\"icon icon-formula\" aria-hidden=\"true\"><\/span><h2>CPF Contribution Formula<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">Formula<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\">\n\\[ \\text{Employee CPF} = S \\times \\frac{r_{ee}}{100} \\]\n\\[ \\text{Employer CPF} = S \\times \\frac{r_{er}}{100} \\]\n\\[ \\text{Total CPF} = \\text{Employee CPF} + \\text{Employer CPF} = S \\times \\frac{r_{ee} + r_{er}}{100} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Where:<\/strong><\/p>\n<ul>\n<li>\\(S\\) \u2014 gross monthly salary in SGD<\/li>\n<li>\\(r_{ee}\\) \u2014 employee CPF contribution rate (%)<\/li>\n<li>\\(r_{er}\\) \u2014 employer CPF contribution rate (%)<\/li>\n<\/ul>\n<p>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.<\/p>\n<p>\r\n<\/section>\n<style id=\"wpcoderpro-inline-459\">.calculation-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section id=\"calculation\" class=\"calculation-box\" aria-labelledby=\"calculation-title\">\r\n\t<div id=\"calculation-title\" class=\"not-prose font-display\"><span class=\"icon icon-unordered-list\" aria-hidden=\"true\"><\/span><h2>CPF Calculator \u2013 Calculation Example<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>Example:<\/strong> 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.<\/p>\n<p>\\[ \\text{Employee CPF} = 4000 \\times \\frac{20}{100} = 800 \\]<\/p>\n<p>\\[ \\text{Employer CPF} = 4000 \\times \\frac{17}{100} = 680 \\]<\/p>\n<p>\\[ \\text{Total CPF} = 800 + 680 = 1480 \\]<\/p>\n<p><strong>Result:<\/strong> 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\\).<\/p>\n<p>\n\r\n<\/section>\n<h2>How to Use the CPF Calculator<\/h2>\n<ol>\n<li>Enter your gross monthly salary in the <strong>Monthly Salary<\/strong> field (in SGD).<\/li>\n<li>Enter the employee's share in the <strong>Employee CPF Contribution Rate<\/strong> field as a percentage. For members aged 55 and below, the current rate is 20%.<\/li>\n<li>Enter the employer's share in the <strong>Employer CPF Contribution Rate<\/strong> field. For members aged 55 and below, the current rate is 17%.<\/li>\n<li>Read the results: <strong>Employee CPF Contribution<\/strong>, <strong>Employer CPF Contribution<\/strong> and <strong>Total CPF Contribution<\/strong>, all in dollars per month.<\/li>\n<\/ol>\n<h2>What Is CPF and How Do Contributions Work?<\/h2>\n<p>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.<\/p>\n<p>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 \u2014 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).<\/p>\n<p>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.<\/p>\n<p>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 <a href=\"https:\/\/wpcalc.com\/en\/finance\/retirement-planner\/\">Retirement Planner<\/a> or use the <a href=\"https:\/\/wpcalc.com\/en\/finance\/monthly-investment-savings\/\">Monthly Investment Savings Calculator<\/a> to project the growth of regular contributions.<\/p>\n<h2>Assumptions and Limitations<\/h2>\n<ul>\n<li><strong>Age-based rates:<\/strong> 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.<\/li>\n<li><strong>Salary ceiling:<\/strong> 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.<\/li>\n<li><strong>Annual ceiling:<\/strong> 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.<\/li>\n<li><strong>Additional wages:<\/strong> the calculator handles monthly (ordinary) wages only. Bonuses, commissions and other additional wages are treated separately for CPF purposes.<\/li>\n<li><strong>Gross salary basis:<\/strong> the calculation assumes the salary entered is the gross CPF-liable wage, not the net amount after deductions.<\/li>\n<\/ul>\n<p>If you are planning to use your CPF Ordinary Account savings for a home loan, our <a href=\"https:\/\/wpcalc.com\/en\/finance\/mortgage-calculator\/\">Mortgage Calculator<\/a> can help you estimate the monthly repayments you would need to cover.<\/p>\n<h2>CPF Contribution Rates by Age Group (55 and Below)<\/h2>\n<table>\n<thead>\n<tr>\n<th>Age group<\/th>\n<th>Employee rate<\/th>\n<th>Employer rate<\/th>\n<th>Total rate<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>55 and below<\/td>\n<td>20%<\/td>\n<td>17%<\/td>\n<td>37%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>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.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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.<\/p>\n","protected":false},"author":70,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5],"tags":[30],"class_list":["post-314","post","type-post","status-publish","format-standard","hentry","category-finance","tag-mortgage"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/posts\/314","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/users\/70"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/comments?post=314"}],"version-history":[{"count":3,"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/posts\/314\/revisions"}],"predecessor-version":[{"id":66067,"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/posts\/314\/revisions\/66067"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/media?parent=314"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/categories?post=314"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/en\/wp-json\/wp\/v2\/tags?post=314"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}