By MoneyBees
Enter your monthly wage, age and residency. You get your CPF deduction, your employer's share, your take-home pay and the split into OA, SA or RA and MediSave, rounded the way CPF Board rounds it. Bonuses, the wage ceilings and the higher 2027 rates for ages above 55 to 65 are handled for you.
Enter your full salary. CPF stops at the first S$8,000 a month.
Rates change from the month after your 55th, 60th, 65th and 70th birthdays.
Employment Pass and S Pass holders do not pay CPF.
Treated as an Additional Wage paid in one month.
From 1 Jan 2027, CPF rates rise for workers above 55 to 65.
Total CPF a month
$1,850
37% of $5,000
Deducted from you
$1,000
20%, rounded down
Employer pays on top
$850
17% plus rounding
Take-home pay before income tax
$4,000
$5,000 salary minus $1,000 CPF
Leave your email and we'll save this scenario so a MoneyBees adviser can follow up.
Or book a free chat if you'd rather talk it through.
For monthly wages above S$750. Your band is highlighted.
| Age | You | Employer | Total | Max a month |
|---|---|---|---|---|
| 55 and below | 20% | 17% | 37% | $2,960 |
| Above 55 to 60 | 18% | 16% | 34% | $2,720 |
| Above 60 to 65 | 12.5% | 12.5% | 25% | $2,000 |
| Above 65 to 70 | 7.5% | 9% | 16.5% | $1,320 |
| Above 70 | 5% | 7.5% | 12.5% | $1,000 |
PRs in their first two years can pay full rates earlier if the employer and employee apply jointly to CPF Board.
| Age | OA | SA or RA | MediSave |
|---|---|---|---|
| 35 and below | 0.6217 | 0.1621 | 0.2162 |
| Above 35 to 45 | 0.5677 | 0.1891 | 0.2432 |
| Above 45 to 50 | 0.5136 | 0.2162 | 0.2702 |
| Above 50 to 55 | 0.4055 | 0.3108 | 0.2837 |
| Above 55 to 60 | 0.3530 | 0.3382 | 0.3088 |
| Above 60 to 65 | 0.1400 | 0.4400 | 0.4200 |
| Above 65 to 70 | 0.0607 | 0.3030 | 0.6363 |
| Above 70 | 0.0800 | 0.0800 | 0.8400 |
Ratios of the total contribution. MediSave is worked out first, then SA or RA, and the OA gets the rest. From age 55 the SA column goes to the RA.
Age 30, S$5,000 a month. Total CPF is 37% of S$5,000, so S$1,850. You pay 20%, S$1,000, and take home S$4,000. Your employer adds S$850. The OA gets S$1,150.14, the SA S$299.89 and MediSave S$399.97.
Age 57, S$9,000 a month and a S$12,000 bonus, in 2026. CPF stops at S$8,000, so the monthly total is 34% of S$8,000, S$2,720. You pay S$1,440. The capped salary for the year is S$96,000, which leaves an Additional Wage ceiling of S$6,000. Only S$6,000 of the bonus gets CPF, S$2,040 more. The year adds up to S$34,680.
The same pay in 2027. The rate for ages above 55 to 60 goes up to 35.5%, so the monthly total is S$2,840 and you pay 19%, S$1,520. The bonus adds S$2,130. The year adds up to S$36,210. The extra goes to your Retirement Account until it holds the Full Retirement Sum.
Figures checked 3 Oct 2026.
Multiply your monthly salary, up to S$8,000, by the total rate for your age and residency, then round to the nearest dollar. Your share is your rate times the same wage, rounded down to the dollar, and your employer pays the rest. For a Singapore Citizen aged 30 on S$5,000, that is S$1,850 in total: S$1,000 from you and S$850 from your employer.
From 1 January 2026, for Singapore Citizens and PRs from their third year, on wages above S$750: 37% up to age 55 (20% from you, 17% from your employer), 34% above 55 to 60 (18% and 16%), 25% above 60 to 65 (12.5% each), 16.5% above 65 to 70 (7.5% and 9%) and 12.5% above 70 (5% and 7.5%). The rates for ages above 55 to 65 went up by 1.5 points in January 2026.
From 1 January 2027, the rates for ages above 55 to 65 go up again: 35.5% above 55 to 60 (19% from you, 16.5% from your employer) and 26% above 60 to 65 (13% each). Rates for ages 55 and below and above 65 stay the same, and so do the graduated rates for PRs in their first two years. The extra goes to your Retirement Account, up to the Full Retirement Sum.
The Ordinary Wage ceiling is S$8,000 a month from 1 January 2026, up from S$7,400 in 2025. Salary above S$8,000 a month gets no CPF. The most CPF anyone aged 55 and below pays on salary is S$2,960 a month, of which S$1,600 comes from the employee.
A bonus or AWS is an Additional Wage. It gets CPF at your normal rate, but only up to the Additional Wage ceiling: S$102,000 minus the salary that attracted CPF that year. If you earn S$8,000 a month, your capped salary for the year is S$96,000, so only S$6,000 of any bonus gets CPF.
Less, for two years. In the first year as a PR, an employee aged 55 and below pays 5% and the employer 4%, 9% in all. In the second year it is 15% and 9%, 24% in all. From the third year full rates apply. The employer and employee can apply together to CPF Board to start full rates earlier.
By your age. At 35 and below, 62.17% of the total goes to the Ordinary Account, 16.21% to the Special Account and 21.62% to MediSave. The OA share falls as you get older and the MediSave share rises. CPF works out MediSave first, then SA or RA, and the OA gets what is left.
Your Special Account closed when you turned 55, so that share goes to your Retirement Account, up to the Full Retirement Sum. Once your RA holds the Full Retirement Sum, the share goes to your Ordinary Account instead.
At S$50 or less, no CPF is payable. From S$50 to S$500, only your employer contributes, at 17% if you are 55 or younger. From S$500 to S$750 your own share is phased in, so less is deducted from your pay. The full rates start above S$750.
S$37,740 a year. It caps all the mandatory and voluntary contributions made to your CPF in a calendar year. At the 37% rate it equals the most CPF payable on S$102,000 of wages, so a worker who hits both wage ceilings reaches it exactly.
CPF Board rounds the total contribution to the nearest dollar, and 50 cents counts as a dollar. Your share is rounded down to the dollar, with the cents dropped. Your employer pays the total minus your share, so the employer carries the rounding. The calculator works the account split to the cent.
These calculators provide general estimates for educational purposes only and are not personalised financial advice. Results may rely on rates and rules that change over time, so verify against official sources (IRAS, CPF Board, HDB, MAS) or consult a licensed financial adviser before making decisions.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).