Singapore / CPF
CPF contribution calculator
2026 CPF Board rates for Citizens / 3rd-year PR. Type monthly ordinary wage and age. OW ceiling $8,000. Not advice — confirm on cpf.gov.sg.
Ordinary wage used
S$4,500
Employee rate
20.00%
Employer rate
17.00%
Employee CPF
S$900
Employer CPF
S$765
Total CPF
S$1,665
Take-home (wage − employee)
S$3,600
Singapore Citizens / 3rd-year PR, monthly ordinary wage > $750. OW ceiling $8,000 from 1 Jan 2026 (CPF Board). SPR year 1–2 and wages ≤ $750 use different tables. Additional wages / annual ceiling not modelled. Not advice — confirm on cpf.gov.sg.
FAQ
Questions, answered
Is my salary or loan data uploaded?Open
No. The maths runs in this tab. Close the page and the numbers are gone.
Are the tax rates official?Open
They follow commonly published slabs for the current year, labelled as estimates. Confirm on the government site before you file.
What rates does this use?Open
From 1 Jan 2026, wages above $750: age ≤55 is 20% employee / 17% employer. Above 55–60: 18/16. Above 60–65: 12.5/12.5. Above 65–70: 7.5/9. Above 70: 5/7.5. OW is capped at $8,000.
SPR first two years?Open
Not modelled. Graduated SPR rates are lower. Use the CPF Board tables.
Bonus / additional wage?Open
This page is ordinary wage only. Annual wage ceiling is $102,000 — not applied here.
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