The Fifth C

How Much CPF Will I Pay in 2026?

Calculate your exact CPF contributions — employer and employee portions — by salary, age, and citizenship status. Covers all 5 age bands, PR graduated rates, and OA/SA/MA allocation. Current rates for 2026.

CPF Contribution Calculator

Singapore CPF rates · All age bands · OA/SA/MA breakdown

$

Employer CPF

$850.00

$10,200.00/yr

Employee CPF

$1,000.00

$12,000.00/yr

Total CPF

$1,850.00

$22,200.00/yr

Take-Home Pay

$4,000.00

$48,000.00/yr

ItemMonthlyAnnual
Gross Salary$5,000.00$60,000.00
Employee CPF Contribution$1,000.00$12,000.00
Take-Home Pay (Cash)$4,000.00$48,000.00
Employer CPF Contribution$850.00$10,200.00
Total CPF (Employee + Employer)$1,850.00$22,200.00

CPF Account Allocation (of total contribution)

OA

$1,150.00

$13,800.00/yr

2.5% p.a.

SA

$300.00

$3,600.00/yr

4% p.a.

MA

$400.00

$4,800.00/yr

4% p.a.

OASAMA

Rates based on CPF Board guidelines. Ordinary Wage ceiling: $8,000/month. Calculations are estimates — verify with CPF Board for official figures.

Current CPF rates · Source: CPF Board

CPF Contribution Rates Explained

The Central Provident Fund (CPF) is Singapore's mandatory savings scheme. Both employers and employees contribute a percentage of the employee's ordinary wages every month. The rates depend on age and citizenship status, and are capped by the Ordinary Wage (OW) ceiling of $8,000/month.

For Singaporeans and PR Year 3+, employees aged 55 and below contribute 20% while employers contribute 17%, for a combined 37%. These rates decrease progressively as employees age, to account for the lower take-home pay needs of older workers approaching retirement.

January 2026 changes (now in effect): CPF contribution rates for workers aged 55–65 increased again as part of the government's multi-year plan to boost retirement savings adequacy. Use the historical toggle above to see the earlier rates for comparison.

Related CPF Calculators

CPF Retirement Planner Project your balances to retirement OA/SA/MA Breakdown Visual allocation by age group Salary Take-Home How much you bank each month FIRE Calculator When can you retire?

Quick Reference (2026)

OW Ceiling $8,000/month
AW Ceiling $102,000/year
OA Interest 2.5% p.a.
SA Interest 4% p.a.
MA Interest 4% p.a.
BRS $110,200
FRS $220,400
ERS $440,800

CPF Contribution — Frequently Asked Questions

What are the CPF contribution rates in Singapore in 2026?
For Singapore Citizens and PR Year 3+ aged 55 and below, the total CPF contribution rate is 37% of ordinary wages (17% employer + 20% employee). For ages 55–60 the rate is 34% (16% + 18%), for 60–65 it is 25% (12.5% + 12.5%), for 65–70 it is 16.5%, and above 70 it remains 12.5%. These rates took effect on 1 January 2026.
What is the CPF Ordinary Wage (OW) ceiling?
The CPF Ordinary Wage ceiling is $8,000 per month. CPF contributions are only computed on the first $8,000 of your monthly salary, even if you earn more. The Additional Wage ceiling is $102,000 minus the total ordinary wages for the year.
How are CPF contributions allocated to OA, SA, and MA?
For members aged 35 and below, 62.17% goes to OA, 16.21% to SA, and 21.62% to MA. The split shifts with age: less goes to the OA and more to MediSave, which receives 84% of contributions for members above 70 to cover rising healthcare costs. From age 55 the Special Account is closed, and the share that would have gone to the SA is allocated to the Retirement Account instead.
What are the CPF contribution rates for PRs in Year 1 and Year 2?
In Year 1 of PR status, the employer contributes 4% and the employee contributes 5% (total 9%). In Year 2, the employer contributes 9% and employee contributes 15% (total 24%). From Year 3 onwards, PRs contribute at full citizen rates.
What changed in CPF rates from January 2026?
From 1 January 2026, contribution rates for workers aged 55–65 increased again as part of the multi-year plan to lift senior retirement savings. The 55–60 band rose to 34% (employer: 16%, employee: 18%) and the 60–65 band rose to 25% (employer: 12.5%, employee: 12.5%). The increase is fully allocated to the Retirement Account, up to the Full Retirement Sum.