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 effective Jan 2025.

CPF Contribution Calculator

Singapore 2024 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: $6,800/month. Calculations are estimates — verify with CPF Board for official figures.

CPF rates as of Jan 2025 · 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 $6,800/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 2025 changes (now in effect): CPF contribution rates for workers aged 55–65 increased as part of the government's multi-year plan to boost retirement savings adequacy. Use the "2024 (historical)" toggle above to see pre-2025 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 $6,800/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 31% (15.5% + 15.5%), for 60–65 it is 22% (12% + 10%), for 65–70 it is 12.5%, and above 70 it remains 12.5%. These rates have been in effect since January 2025.
What is the CPF Ordinary Wage (OW) ceiling?
The CPF Ordinary Wage ceiling is $6,800 per month (effective Jan 2025). CPF contributions are only computed on the first $6,800 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 allocation shifts as you age — by 65+, the MA receives 75.93% to cover increasing healthcare costs, while SA allocation drops to zero after 55 when funds move to the Retirement Account.
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 2025?
From January 2025, contribution rates for workers aged 55–65 increased. The 55–60 band rose from 26% to 31% (employer: 15.5%, employee: 15.5%). The 60–65 band rose from 16.5% to 22% (employer: 12%, employee: 10%). These are the current rates as of 2026.