Singapore CPF Contribution Calculator
Calculate employee CPF, employer CPF, and total CPF using official CPF contribution rates.
| Age Group | Employee CPF | Employer CPF | Total CPF |
|---|---|---|---|
| Below 55 | 20% | 17% | 37% |
| 55–60 | 17% | 14% | 31% |
| 60–65 | 12.5% | 8.5% | 21% |
| 65–70 | 7.5% | 7.5% | 15% |
| Above 70 | 5% | 5% | 10% |
What is the Singapore CPF Contribution Calculator?
This Singapore CPF Contribution Calculator helps you estimate your monthly employee CPF, employer CPF, and total CPF based on official CPF Board rates.
Just enter your gross monthly salary and age group — the calculator handles everything, including the wage ceiling.
CPF (Central Provident Fund) is compulsory for:
Singapore Citizens (SC)
Singapore Permanent Residents (PR)
Foreigners do not contribute to CPF.
This tool is useful for:
Employees
HR payroll teams
Employers calculating cost-to-company
People comparing salaries
Singapore PR planning
Fresh graduates doing budget planning
How CPF Works in Singapore?
CPF contributions are split into:
Employee CPF – deducted from salary
Employer CPF – added by employer
Total CPF contribution – both combined
CPF Wage Ceiling (OW ceiling) – max CPF-eligible salary
Your calculator shows all these clearly.
CPF Wage Ceiling (OW Ceiling)
CPF contributions are calculated only up to SGD 6,300/month.
If salary > SGD 6,300, CPF is still calculated using 6,300.
Your tool already displays:
CPF Wage Ceiling
Wage Used for CPF calculation
Singapore CPF Rates
Rates vary based on age.
| Age Group | Employee CPF | Employer CPF | Total CPF |
|---|---|---|---|
| Below 55 | 20% | 17% | 37% |
| 55–60 | 17% | 14% | 31% |
| 60–65 | 12.5% | 8.5% | 21% |
| 65–70 | 7.5% | 7.5% | 15% |
| Above 70 | 5% | 5% | 10% |
Example CPF Calculation (SGD 5,000 Salary, Age Below 55)
✔ 1. Employee CPF
20% × SGD 5,000 = SGD 1,000
✔ 2. Employer CPF
17% × SGD 5,000 = SGD 850
✔ 3. Total CPF Contribution
SGD 1,000 + SGD 850 = SGD 1,850
✔ Wage ceiling applies
Since 5,000 < 6,300 → full CPF used.
Your tool calculates all of this instantly.
Why CPF Matters
CPF contributions are allocated into 3 accounts:
OA (Ordinary Account) – housing, investment
SA (Special Account) – retirement savings
MA (MediSave Account) – medical needs
CPF ensures long-term financial security for Singapore residents.
Who Should Use This Calculator?
Employees checking their take-home salary
HR managers creating monthly payslips
Employers estimating cost-to-company (CTC)
Singapore PR applicants
Malaysians comparing SG salary
Financial planners
Students assessing job offers
Frequently Asked Questions (FAQ)
1. How is CPF calculated in Singapore?
CPF = Employee CPF (from salary) + Employer CPF (added by employer), based on age group and wage ceiling.
2. What is the CPF wage ceiling?
CPF contributions are capped at SGD 6,300 per month.
3. Do foreigners contribute to CPF?
No. Only Singapore Citizens and PRs contribute.
4. Do Permanent Residents (PR) pay full CPF?
In PR Year 1–2, you may pay graduated CPF rates.
This calculator uses full rates.
5. Is bonus CPF-deductible?
Yes. Bonuses contribute to CPF (up to the Additional Wage ceiling).
6. What is the Additional Wage (AW) ceiling?
Annual CPF ceiling formula:
AW Ceiling = S$102,000 – total Ordinary Wages
7. Does CPF reduce taxable income?
Yes — employee CPF contributions reduce your taxable income.
8. Why do CPF rates drop with age?
To increase take-home income for older workers.