Singapore Net Salary Calculator
Calculate your take-home pay after CPF employee contribution. Includes employer CPF, total CPF and net salary.
| 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 Net Salary Calculator?
This Singapore Net Salary Calculator helps you estimate your monthly take-home salary after CPF deduction.
CPF (Central Provident Fund) is mandatory for Singapore Citizens (SC) and Permanent Residents (PR).
This calculator shows:
✔ Employee CPF (deducted from your salary)
✔ Employer CPF contribution
✔ Total CPF
✔ Net monthly salary (take-home pay)
✔ Age-based CPF rates (Below 55, 55–60, etc.)
Designed for:
Employees
HR payroll teams
Singapore PRs
Malaysians working in SG
People comparing salary between countries
Fresh graduates
How Net Salary Works in Singapore?
Your net salary = Gross Salary – Employee CPF
Employee CPF
This is deducted from your salary.
Rates vary by age.
Employer CPF
Paid by employer → NOT deducted from your salary.
Net salary
Singapore CPF Contribution Rates (2025)
CPF rates depend on age group.
Here’s the official structure from IRAS/CPF Board:
| 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: SGD 5,000 Salary (Below 55)
Employee CPF (20%)
SGD 5,000 × 20% = SGD 1,000
Employer CPF (17%)
SGD 5,000 × 17% = SGD 850
Net Monthly Salary
SGD 5,000 – SGD 1,000 = SGD 4,000
Total CPF Contribution
SGD 1,000 + SGD 850 = SGD 1,850
Your tool displays this automatically.
Who Needs This Calculator?
Singapore residents planning budgets
Malaysians comparing SG vs MY salary
Job seekers checking real take-home pay
Employers preparing payslips
Foreigners deciding if PR is worth it
HR payroll teams
Students comparing job offers
Frequently Asked Questions (FAQ)
1. How is net salary calculated in Singapore?
Net salary = Gross Salary – Employee CPF contribution.
2. Is employer CPF part of my net salary?
No. Employer CPF is paid to your CPF account but not included in take-home pay.
3. Do foreigners pay CPF?
No. Only SC & PR contribute to CPF.
4. Do Singapore PRs pay full CPF?
PR Year 1–2 may have graduated CPF rates.
This calculator assumes full rates.
5. What age groups have different CPF rates?
Below 55, 55–60, 60–65, 65–70, above 70.
6. Does CPF reduce income tax?
Yes – CPF employee contributions reduce taxable income.
7. Is bonus CPF-deductible?
Yes, bonuses are subject to CPF (up to CPF monthly cap).
8. What CPF cap applies?
Ordinary Wage (OW) ceiling: SGD 6,300/month.