CPF Contribution for $1,500 Salary (2026)
Exact CPF contributions for a $1,500/month salary across all age bands and citizenship statuses. Rates effective January 2025.
Singapore Citizens & PR Year 3+
Salary: $1,500/month · Rates effective Jan 2025 · Source: CPF Board
| Age | Employer CPF | Employee CPF | Total CPF | Take-Home |
|---|---|---|---|---|
| ≤35 | $255 | $300 | $555 | $1,200 |
| 36–45 | $255 | $300 | $555 | $1,200 |
| 46–50 | $255 | $300 | $555 | $1,200 |
| 51–55 | $255 | $300 | $555 | $1,200 |
| 56–60 | $233 | $233 | $466 | $1,267 |
| 61–65 | $180 | $150 | $330 | $1,350 |
| 66–70 | $135 | $113 | $248 | $1,387 |
| >70 | $113 | $75 | $188 | $1,425 |
Permanent Residents — Graduated Rates
Year 1 and Year 2 of PR status only. Year 3+ uses Citizen rates above.
| PR Status | Employer CPF | Employee CPF | Total CPF | Take-Home |
|---|---|---|---|---|
| PR Year 1 | $60 | $75 | $135 | $1,425 |
| PR Year 2 | $135 | $225 | $360 | $1,275 |
Understanding These Numbers
For a $1,500/month salary, CPF is calculated on $1,500 (the full salary, below the $6,800 OW ceiling).
The employer contribution does not reduce your take-home pay — it is an additional cost to the employer on top of your gross salary. Only the employee contribution is deducted from your monthly pay.
CPF contributions go into three accounts: Ordinary Account (OA, earns 2.5% p.a.), Special Account (SA, earns 4% p.a.), and MediSave Account (MA, earns 4% p.a.). The allocation between accounts varies by age — younger workers put more into OA for housing purposes.
Other Salary Levels
Frequently Asked Questions
How much CPF does a Singapore Citizen earning $1,500/month pay in 2025?
A Singapore Citizen aged 35 and below earning $1,500/month contributes $300 to CPF each month (employee portion). Their employer contributes an additional $255, for a total CPF of $555/month. Take-home pay is $1,200.
What is the take-home pay for a $1,500 salary after CPF?
For a Singapore Citizen aged 35 and below, the take-home pay on a $1,500 gross salary is $1,200/month. The employee CPF deduction is $300 (20% of the salary). Take-home pay increases as you get older because contribution rates fall with age.
Does the $1,500 salary hit the CPF Ordinary Wage ceiling?
No. The CPF Ordinary Wage (OW) ceiling is $6,800/month. A $1,500 salary is below the ceiling, so CPF is calculated on the full $1,500.
What are the CPF contributions for a PR on a $1,500 salary?
CPF rates for Permanent Residents depend on their year of PR status. In Year 1, the employer contributes $60 and the employee contributes $75 (total $135). In Year 2, employer contributes $135 and employee $225 (total $360). From Year 3 onwards, PRs contribute at the same rate as Singapore Citizens.
How does CPF contribution change with age for a $1,500 salary?
For a $1,500 salary, total CPF contributions decrease significantly with age. A worker aged 35 and below has total CPF of $555/month, while a worker aged 66–70 has total CPF of only $248/month. This means take-home pay increases from $1,200 (age ≤35) to $1,387 (age 66–70) as employee contribution rates fall.