Finance calculator
Singapore - 2026Singapore CPF Calculator Updated With 2026 Rates
Estimate Singapore employee and employer CPF contributions with 2026 age-rate context, editable rates, ordinary wages, additional wages, the S$8,000 OW ceiling, and annual wage ceiling.
Singapore payroll
Separate ordinary wages, additional wages, and CPF ceilings
CPF estimates depend on the wage base before the rate is applied. Ordinary wages are capped monthly, while additional wages are checked against the annual CPF wage ceiling after ordinary wages are counted.
The default full-rate scenario for Singapore Citizens and third-year or later Permanent Residents aged 55 and below uses 20% employee CPF and 17% employer CPF, or 37% total. The 2026 Ordinary Wage ceiling is kept editable at S$8,000 per month.
For a quick monthly check, S$6,000 of ordinary wages with no additional wages gives S$1,200 employee CPF and S$1,020 employer CPF before any official rounding or special payroll treatment.
The page keeps employee rate, employer rate, monthly Ordinary Wage ceiling, and annual wage ceiling editable so the same calculator can model different age bands, PR-year situations, and future rule changes.
Before using the result
- Enter ordinary wages and additional wages separately.
- Review the S$8,000 Ordinary Wage ceiling and annual wage ceiling before using the result.
- Change the CPF rates for age band or PR-year scenarios.
- Verify exact payroll treatment with CPF Board guidance or its official calculator before filing.
CPF 2026 rate table
Contribution rates from 1 January 2026
CPF Board publishes these rates for Singapore Citizens and Singapore Permanent Residents from their third year onwards when monthly wages are above S$750. Use the editable rate fields in the calculator if your scenario uses a different age band, PR year, or wage level.
| Employee age | Employer | Employee | Total |
|---|---|---|---|
| 55 and below | 17% | 20% | 37% |
| Above 55 to 60 | 16% | 18% | 34% |
| Above 60 to 65 | 12.5% | 12.5% | 25% |
| Above 65 to 70 | 9% | 7.5% | 16.5% |
| Above 70 | 7.5% | 5% | 12.5% |
Lower monthly wages, first-year or second-year PR status, official rounding, and special worker categories can change payroll filing amounts.
FormulaEligible CPF wages = min(monthly ordinary wages, OW ceiling) x 12 + capped additional wages; employee CPF = eligible wages x employee rate; employer CPF = eligible wages x employer rate
Formula
Singapore CPF contribution estimate
This CPF calculator is an independent planning estimate. CPF contribution rules depend on wage type, age, citizenship or PR year, ceiling rules, and CPF Board guidance.
Eligible CPF wages = min(monthly ordinary wages, OW ceiling) x 12 + capped additional wages; employee CPF = eligible wages x employee rate; employer CPF = eligible wages x employer rate
At S$6,000 monthly ordinary wages and no additional wages, the 20% employee rate gives S$1,200 and the 17% employer rate gives S$1,020 before official rounding.
SourcesThis profile supports Singapore individual income tax, CPF contributions, property stamp duty, property tax, corporate income tax, and self-employed MediSave planning calculators. CPF planning defaults use the 2026 CPF Board employee and employer contribution framing with editable rates and wage ceilings.
Sources and assumptions
Singapore tax expansion source notes
This profile supports Singapore individual income tax, CPF contributions, property stamp duty, property tax, corporate income tax, and self-employed MediSave planning calculators. CPF planning defaults use the 2026 CPF Board employee and employer contribution framing with editable rates and wage ceilings.
- Effective year
- 2026
- Last verified
- 2026-07-13
This CPF calculator is an independent planning estimate. CPF contribution rules depend on wage type, age, citizenship or PR year, ceiling rules, and CPF Board guidance.
Official and reference sources
- Individual Income Tax ratesInland Revenue Authority of Singapore
- CPF contribution rates and obligationsCentral Provident Fund Board
- CPF contribution calculatorCentral Provident Fund Board
- Ordinary Wage ceilingCentral Provident Fund Board
- Additional Wage ceiling examplesCentral Provident Fund Board
- Stamp Duty ratesInland Revenue Authority of Singapore
- Property Tax RatesInland Revenue Authority of Singapore
- Corporate Income Tax RatesInland Revenue Authority of Singapore
Assumptions
- Defaults use CPF Board 2026 full-rate contribution settings for Singapore Citizens and third-year or later Singapore Permanent Residents aged 55 and below: 20% employee and 17% employer.
- Ordinary wages are capped by the editable S$8,000 monthly Ordinary Wage ceiling before annualizing.
- Additional wages are capped by the editable annual CPF wage ceiling after capped ordinary wages are counted.
- A visible 2026 age-rate table is included for quick context; the calculation uses the editable employee and employer rate fields shown in the form.
- CPF rates remain editable so users can model age bands, citizenship, PR-year scenarios, wage levels, and future rate changes.
- The page links to CPF Board source notes so users can compare the estimate with current official guidance.
Not included
- Official CPF rounding, detailed age and PR-year wage bands, platform-worker rules, special contribution categories, late-payment interest, refunds, and payroll filing.
- Allocation between Ordinary Account, Special Account, MediSave Account, and Retirement Account.
- Exact Additional Wage ceiling edge cases should be verified with CPF Board tools when total wages are near or above the annual wage ceiling.
FAQ8 common questions for this calculator.
FAQs
What does the Singapore CPF Contribution Calculator estimate?+
It estimates employee CPF, employer CPF, total CPF, and the wage base from ordinary wages, additional wages, editable rates, the Ordinary Wage ceiling, and the annual wage ceiling.
What are the default 2026 CPF rates in this calculator?+
The defaults use 20% employee CPF and 17% employer CPF for full-rate Singapore Citizen and third-year or later Singapore Permanent Resident scenarios aged 55 and below. Change the rate fields for other age bands, lower-wage bands, or PR-year scenarios.
What is the CPF Ordinary Wage ceiling in 2026?+
The editable default uses an Ordinary Wage ceiling of S$8,000 per month for 2026. Check CPF Board guidance before payroll filing because official rules can differ by wage type and worker situation.
Does this CPF calculator include the Additional Wage ceiling?+
Yes. It includes an editable annual CPF wage ceiling guard, then caps additional wages after capped ordinary wages are counted. Use CPF Board tools for exact payroll treatment when total wages are high.
Does this replace the CPF Board calculator?+
No. Use this page for planning and quick comparisons, then verify official monthly CPF contributions with CPF Board guidance, payroll software, or a qualified adviser.
Can I change employee and employer CPF rates?+
Yes. The CPF rate fields are editable so you can model age bands, citizenship or PR-year scenarios, and future rate changes.
Does this show CPF OA, SA, MA, or RA allocation?+
No. It estimates contribution amounts and wage ceilings, not the allocation between CPF accounts.
How does the Singapore CPF Contribution Calculator calculate the result?+
For the Singapore CPF Contribution Calculator, it uses the Singapore CPF contribution estimate: Eligible CPF wages = min(monthly ordinary wages, OW ceiling) x 12 + capped additional wages; employee CPF = eligible wages x employee rate; employer CPF = eligible wages x employer rate. At S$6,000 monthly ordinary wages and no additional wages, the 20% employee rate gives S$1,200 and the 17% employer rate gives S$1,020 before official rounding.
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How to use the Singapore CPF Contribution Calculator
Estimate Singapore employee and employer CPF contributions with 2026 age-rate context, editable rates, ordinary wages, additional wages, the S$8,000 OW ceiling, and annual wage ceiling. The page also explains the singapore CPF contribution estimate and shows a practical example: At S$6,000 monthly ordinary wages and no additional wages, the 20% employee rate gives S$1,200 and the 17% employer rate gives S$1,020 before official rounding.
- 1
Enter your details
Enter 2026 age-rate context, editable rates, ordinary wages, additional wages, the S$8,000 OW ceiling, and annual wage ceiling, then complete any other fields shown in the calculator.
- 2
Check the calculation
Review the result alongside the singapore CPF contribution estimate: Eligible CPF wages = min(monthly ordinary wages, OW ceiling) x 12 + capped additional wages; employee CPF = eligible wages x employee rate; employer CPF = eligible wages x employer rate.
- 3
Compare scenarios
Change one or more inputs to see how they affect the singapore CPF Contribution Calculator result before you use the estimate.