Singapore CPF calculator
Calculate Singapore CPF monthly employee (20%) and employer (17%) contributions across age tiers, OA/SA/MA allocation and $6,800 wage ceiling.
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Contributions are credited across Ordinary Account (OA), Special Account (SA), and MediSave Account (MA) according to CPF Board allocation ratios.
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About this tool
Calculate mandatory Central Provident Fund (CPF) monthly contributions for Singapore Citizens and Permanent Residents. Applies statutory employee and employer rates across age tiers and accounts for the CPF Ordinary Wage (OW) monthly ceiling ($6,800 in 2024, rising to $8,000 by 2026).
How to use it
- 1 Enter your monthly gross employment salary (Ordinary Wages).
- 2 Select your age category (55 and below, 55-60, 60-65, 65-70, or above 70).
- 3 Select the applicable monthly wage ceiling ($6,800 for 2024).
- 4 Review your employee deduction, employer contribution, and net take-home cash pay.
Questions
What are standard CPF contribution rates for workers aged 55 and below?
Employees contribute 20% of their monthly salary, and employers contribute 17%, for a total monthly CPF contribution of 37% up to the wage ceiling.
What is the CPF wage ceiling schedule in Singapore?
The Ordinary Wage ceiling increased to $6,800 on 1 January 2024, to $7,400 on 1 January 2025, and will reach $8,000 on 1 January 2026.
How are CPF contributions allocated across accounts?
Contributions are distributed into the Ordinary Account (OA - housing and education), Special Account (SA - retirement), and MediSave Account (MA - healthcare) based on age-related ratios.
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
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