Singapore CPF Calculator (2026)

Enter a monthly wage and age band to see the employee CPF deduction, the employer's cost, take-home pay, and how the contribution splits across the CPF accounts — with the 2026 S$8,000 Ordinary Wage ceiling built in.

Your details

Monthly wage (S$)

Gross ordinary wages before CPF and tax.

Age band

Residency status

Employee share

S$1,000

20% — deducted from pay

Employer share

S$850

17% — paid on top

Total CPF

S$1,850

37% of wage

Employee take-home (before tax)

S$4,000

True cost to employer

S$5,850

Where the S$1,850 goes

Indicative split across CPF accounts for this age band.

Ordinary Account (OA)	62.2%	S$1,150.15
Special Account	16.2%	S$299.89
MediSave Account (MA)	21.6%	S$399.97

Figures use 2026 CPF rates and the S$8,000 Ordinary Wage ceiling. Account-allocation percentages are indicative and set by the CPF Board (computed MediSave-first, then Special/Retirement, remainder to Ordinary Account). This is a monthly estimate on ordinary wages only and excludes the annual S$102,000 ceiling and Additional Wage (bonus) treatment. Not financial or payroll advice — confirm your exact figures with the CPF Board or a qualified payroll professional.

Want the full explanation?

Rates by age, the annual ceiling, bonus rules, deadlines, and the common mistakes.

Read the CPF guide →

This calculator uses CPF contribution rates effective 1 January 2026 for Singapore Citizens and Permanent Residents (from the third year of PR status) earning more than S$750 a month. It estimates monthly CPF on ordinary wages and does not account for the annual S$102,000 ceiling or Additional Wage (bonus) treatment. Rates, ceilings and allocation ratios are set by the CPF Board and can change. This is general information, not financial or payroll advice.