CPF contribution calculator
Enter the wages for a month and your age to see the CPF you and your employer pay, and how the total is split between your Ordinary, Special or Retirement, and MediSave Accounts.
| Wages this month | $5,000.00 |
| Employee share (deducted from pay) | $1,000 |
| Employer share | $850 |
| Total contribution | $1,850 |
| Ordinary Account | $1,150.14 |
| Special Account | $299.89 |
| MediSave Account | $399.97 |
CPF contribution rates from 1 January 2026
For Singapore citizens and PRs from their 3rd year, on monthly wages above $750:
| Age | Employer | Employee | Total | Max employee a month | Max total a month |
|---|---|---|---|---|---|
| 55 and below | 17% | 20% | 37% | $1,600 | $2,960 |
| Above 55 to 60 | 16% | 18% | 34% | $1,440 | $2,720 |
| Above 60 to 65 | 12.5% | 12.5% | 25% | $1,000 | $2,000 |
| Above 65 to 70 | 9% | 7.5% | 16.5% | $600 | $1,320 |
| Above 70 | 7.5% | 5% | 12.5% | $400 | $1,000 |
The maximum amounts apply at the ordinary wage ceiling of $8,000. Wages between $50 and $500 attract only employer CPF, and between $500 and $750 the employee share is phased in.
How the total is split between your accounts
| Age | Ordinary Account | Special or Retirement Account | MediSave Account |
|---|---|---|---|
| 35 and below | 62.2% | 16.2% | 21.6% |
| Above 35 to 45 | 56.8% | 18.9% | 24.3% |
| Above 45 to 50 | 51.4% | 21.6% | 27% |
| Above 50 to 55 | 40.6% | 31.1% | 28.4% |
| Above 55 to 60 | 35.3% | 33.8% | 30.9% |
| Above 60 to 65 | 14% | 44% | 42% |
| Above 65 to 70 | 6.1% | 30.3% | 63.6% |
| Above 70 | 8% | 8% | 84% |
The shares above are of the total contribution. At age 30 on $8,000 a month, the $2,960 total becomes $1,840.23 in your OA, $479.82 in your SA and $639.95 in MediSave. From age 55 the Special Account is closed and that share goes to your Retirement Account instead.
How CPF is worked out
- Add up the ordinary wages for the month and cap them at $8,000.
- Add any additional wages, such as a bonus, up to the AW ceiling: $102,000 minus the ordinary wages that attracted CPF in the year.
- Multiply by the total rate for your age and round to the nearest dollar.
- Multiply by the employee rate and drop the cents. The employer pays the difference.
Questions and answers
How much CPF is paid on $5,000?
$1,850 a month in total for someone aged 55 or below: $1,000 from you and $850 from your employer.
What is the maximum CPF contribution in 2026?
$2,960 a month on ordinary wages for those aged 55 and below, of which $1,600 is the employee share. Bonuses can add more, up to the $102,000 annual salary ceiling.
When do my rates change after 55?
From the first day of the month after the month of your 55th, 60th, 65th or 70th birthday.
Do foreigners pay CPF?
No. Only Singapore citizens and permanent residents contribute. Employment Pass, S Pass and Work Permit holders are not CPF members.
Sources
- CPF Board: How much CPF contributions to pay
- CPF Board: Contribution rate tables from 1 January 2026 (PDF)
- CPF Board: Allocation rates from 1 January 2026 (PDF)
- CPF Board: Additional Wage ceiling
Checked 28 September 2026. OneCalcs is independent and not affiliated with IRAS, the CPF Board, MOM or any government agency.