Monthly salary $5,000, aged 30, 2026 rates
- Details
- Salary $5,000 a month; 35 and below; Singapore Citizen, or PR from the third year; 2026
- Result
- Total CPF $1,850; employee $1,000; employer $850; take-home pay $4,000.00
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Gross monthly salary before CPF, including fixed allowances.
Optional. Annual bonus and other Additional Wages, paid in one month.
The rate for a new age band applies from the first day of the month after your birthday.
Result
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How it is calculated
- CPF is calculated on Ordinary Wages up to $8,000 a month, and on Additional Wages such as bonuses up to $102,000 minus the Ordinary Wages subject to CPF for the year.
- Above $750 a month, total CPF = (employer's rate + employee's rate) × wages. From $500 to $750, the employee's share is phased in: 3 × the employee's rate × (wages − $500). From $50 to $500, only the employer contributes. At $50 or less, no CPF is payable.
- The total contribution is rounded to the nearest dollar, and the employee's share is rounded down to the nearest dollar. The employer's share is the total minus the employee's share.
- The total contribution is allocated to MediSave first, then to the Special Account (Retirement Account above 55), and the rest to the Ordinary Account, at the allocation rates for your age.
- Take-home pay = monthly salary − your CPF contribution. Foreigners on work passes do not contribute to CPF.
- Not included: income tax, Self-Help Group fund contributions, and contributions on wages that change from month to month.
- All calculations are done in your browser. The details you enter are not sent to any server.
CPF contribution rates (monthly wages above $750)
2026
| Age | Employer | Employee | Total |
|---|---|---|---|
| 55 and below | 17% | 20% | 37% |
| Above 55 to 60 | 16% | 18% | 34% |
| Above 60 to 65 | 12.5% | 12.5% | 25% |
| Above 65 to 70 | 9% | 7.5% | 16.5% |
| Above 70 | 7.5% | 5% | 12.5% |
2027 (announced)
| Age | Employer | Employee | Total |
|---|---|---|---|
| 55 and below | 17% | 20% | 37% |
| Above 55 to 60 | 16.5% | 19% | 35.5% |
| Above 60 to 65 | 13% | 13% | 26% |
| Above 65 to 70 | 9% | 7.5% | 16.5% |
| Above 70 | 7.5% | 5% | 12.5% |
From 1 January 2027, the rates for ages above 55 to 65 increase as announced in Budget 2026. The graduated rates for first-year and second-year PRs are unchanged.
Worked examples
Monthly salary $10,000 (above the $8,000 ceiling), aged 30
- Details
- Salary $10,000 a month; 35 and below; Singapore Citizen, or PR from the third year; 2026
- Result
- Total CPF $2,960; employee $1,600; employer $1,360; take-home pay $8,400.00
Monthly salary $600 (low-wage band), aged 30
- Details
- Salary $600 a month; 35 and below; Singapore Citizen, or PR from the third year; 2026
- Result
- Total CPF $162; employee $60; employer $102; take-home pay $540.00
Monthly salary $3,333 (rounding), aged 30
- Details
- Salary $3,333 a month; 35 and below; Singapore Citizen, or PR from the third year; 2026
- Result
- Total CPF $1,233; employee $666; employer $567; take-home pay $2,667.00
Monthly salary $5,000, aged 57, 2026 rates
- Details
- Salary $5,000 a month; Above 55 to 60; Singapore Citizen, or PR from the third year; 2026
- Result
- Total CPF $1,700; employee $900; employer $800; take-home pay $4,100.00
Monthly salary $5,000, aged 57, 2027 rates
- Details
- Salary $5,000 a month; Above 55 to 60; Singapore Citizen, or PR from the third year; 2027 (announced)
- Result
- Total CPF $1,775; employee $950; employer $825; take-home pay $4,050.00
Monthly salary $5,000, first-year PR (graduated rates)
- Details
- Salary $5,000 a month; 35 and below; PR, first year (graduated rates); 2026
- Result
- Total CPF $450; employee $250; employer $200; take-home pay $4,750.00
Official sources
Applies to: Rates for wages paid from 1 January 2026, and the rates announced for 1 January 2027.
- CPF Board: CPF Contribution Rate Table from 1 January 2026 (Tables 1 to 3)
- CPF Board: How much CPF contributions to pay
- CPF Board: What constitutes wages for CPF contributions (Ordinary and Additional Wage ceilings)
- CPF Board: CPF allocation rates from 1 January 2026
- Ministry of Finance: Budget 2026, Annex E-4: CPF contribution rates for senior workers
Last reviewed on 27 October 2026.
The rules on this page have been checked against the official sources listed above. The result is for reference. The rules and assessment of the concerned authority shall prevail.