CPF Contribution Calculator Singapore 2026

For Singapore Citizens and PRs (3rd year onward): 55 & below pay 20% (employee) / 17% (employer) = 37% total; above 55–60 pay 18%/16% (34%); above 60–65 pay 12.5%/12.5% (25%); above 65–70 pay 7.5%/9% (16.5%); above 70 pay 5%/7.5% (12.5%). The 55–65 rates rose on 1 January 2026 as the final step of the Budget 2023 increases.

$8,000 a month from 1 January 2026 — its final phased value. Only wages up to this amount attract CPF each month. The separate annual salary ceiling (covering Ordinary and Additional Wages together) is $102,000 and is not being phased.

CPF Board allocates MediSave first, then the Special Account (or Retirement Account from age 55, since the Special Account closes then), with the remainder going to the Ordinary Account. The exact ratios shift across eight age bands — younger members get a larger OA share, older members a larger MediSave share.

No. Only Singapore Citizens and Permanent Residents contribute to CPF. Foreigners on an Employment Pass or S Pass see no CPF deductions and no employer CPF contribution.

Yes — these count as Additional Wages and are subject to CPF at the same rates as ordinary wages, but total CPF for the year (Ordinary + Additional Wages) is capped by the $102,000 annual salary ceiling.