CalculatorCPF contribution
Estimate monthly CPF by year, age and status.
How status and age change CPF
The employee, employer and total CPF amounts can differ on the same salary because of age and PR year. These are three common checks.
Singapore citizen on SGD 3,500
- Input
- Age 35; 2026; monthly OW of SGD 3,500
- Result
- Employee about SGD 700; employer about SGD 595; total about SGD 1,295
- What it means
- The employee share reduces cash pay. The employer share is paid separately and is not a second salary deduction.
An employee working at age 58
- Input
- Age 58; 2026; monthly OW of SGD 5,000
- Result
- Employee about SGD 900; employer about SGD 800; total about SGD 1,700
- What it means
- The 20% plus 17% rates cannot simply continue after age 55; both shares change by age band.
A new first-year PR
- Input
- Age 35; first-year PR on default G/G; monthly OW of SGD 5,000
- Result
- Employee about SGD 250; employer about SGD 200; total about SGD 450
- What it means
- Default graduated rates are well below full rates. If payroll uses more, confirm an approved higher arrangement.
How should you use the calculated result?
Total CPF combines employee and employer shares, but they affect cash flow differently. Employee CPF is deducted from pay; employer CPF is paid separately. The wage ceiling, age and status also affect the result.
Three checks before questioning a payslip
- Confirm the wage month, age during that month and citizen or PR year before comparing the employee and employer shares.
- For a difference of only a few dollars, check official rounding and wage classification first; for a larger gap, confirm the status and rates used by payroll.
When should you not use this result directly?
- Approved F/G or F/F arrangements for first- and second-year PRs require a separate check; this calculator uses default G/G.
- Official rounding can cause small differences for low wages, split wage periods, back pay, or a mix of OW and AW.
- Self-employed people, foreign employees without CPF eligibility and unusual employment relationships should not use this result directly.
Continue with the CPF contribution guide
The guide explains the 2026 SGD 8,000 OW ceiling, age bands, graduated PR rates and common payslip differences.
Open the full CPF guide
Official source: Open authority guidance
Rules last checked: 7 Sep 2026. See the Sources page.