Payroll · Free tool
Singapore CPF & take-home calculator
Enter a gross monthly wage to see the employee and employer CPF contributions, the take-home pay and the effective rates — using the CPF rates that took effect on 1 January 2026.
How it works
CPF contributions are split between the employee (deducted from wages) and the employer (paid on top). The rates fall as an employee ages. For a Permanent Resident in their first two years, graduated (lower) rates apply unless the employer and employee jointly apply for full rates.
Contributions are calculated on the Ordinary Wage, which is capped at the Ordinary Wage ceiling of S$8,000 a month for 2026. This tool models Ordinary Wages only; annual bonuses (Additional Wages) have a separate ceiling and are not included.
Source
CPF Board — CPF Contribution Rate Table from 1 January 2026 (verified 18 July 2026): cpf.gov.sg. This is an estimate for guidance only, not financial or legal advice. Verify figures with the CPF contribution calculator before running payroll.
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