CPF calculator, 2026 tiers.
Estimate the employer and employee CPF on any Singapore salary for 2026, with the new S$8,000 Ordinary Wage ceiling applied. Instant result, no sign-up.
How much CPF does an employer and employee each pay in Singapore in 2026?
In 2026 a Singapore Citizen or 3rd-year PR on S$8,000 a month at age 30 pays S$1,360 employer CPF (17%) and S$1,600 employee CPF (20%), a S$2,960 total. CPF applies only to the first S$8,000 of Ordinary Wages a month and S$102,000 a year. Skillsforce runs this calculation every payday, accurately and on time.
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Calculate your CPF
Enter the monthly Ordinary Wage, the employee's age and residency. Add annual Additional Wages if relevant. The result updates instantly.
| Share | Monthly (OW) |
|---|---|
| Employer (17%) | S$1,360 |
| Employee (20%) | S$1,600 |
| Total (37%) | S$2,960 |
- Ordinary Wage subject to CPF
- S$8,000/mo
- Estimated annual CPF (12 months of OW, plus AW)
- S$35,520
- Annual Limit (CPF Board)
- S$37,740
Figures use the CPF Board contribution rate table from 1 January 2026 (OW ceiling S$8,000, annual ceiling S$102,000). The low-wage bands for monthly wages between S$50 and S$750 are out of scope; see the CPF Board tables for those.
Want this run accurately every month, with CPF, IR8A and IRAS filed for you? Talk to Skillsforce about payroll.
How the 2026 CPF split works
CPF is a percentage of wages, split between an employer share and an employee share. The rate depends on the employee's age band and residency status. From 1 January 2026, the Ordinary Wage ceiling is S$8,000 a month, so only the first S$8,000 of monthly basic salary attracts CPF. Anything above that is shown as excess and attracts no CPF.
The calculator follows the CPF Board computation steps. The total contribution is rounded to the nearest dollar, the employee share is rounded down, and the employer share is the difference. Additional Wages, such as AWS and bonus, are capped against the remaining annual ceiling of S$102,000.
The ceilings that matter
- Ordinary Wage ceiling: S$8,000 a month. Wages above this do not attract CPF.
- Annual salary ceiling: S$102,000. Ordinary and Additional Wages combined cannot attract CPF beyond this in a year.
- CPF Annual Limit: S$37,740. Total contributions across all accounts are capped at this each year.
CPF questions
What is the CPF Ordinary Wage ceiling from 1 January 2026?
S$8,000 a month. Ordinary Wages above that do not attract CPF. The combined annual ceiling on Ordinary plus Additional Wages is S$102,000, and the CPF Annual Limit on total contributions is S$37,740.
How are the employer and employee CPF shares split?
Each age band has a total rate and an employer and employee split. The total contribution is rounded to the nearest dollar; the employee share is rounded down; the employer share is the difference. This calculator applies the CPF Board 2026 rate tables.
Do 1st- and 2nd-year PRs pay full CPF?
No. They pay graduated rates by default. A PR can instead elect Full employer and Graduated employee rates. From the 3rd year, PRs pay the full Citizen rate. Use the residency selector and the advanced election toggle.
Does this handle Additional Wages like AWS and bonus?
Yes. Enter the annual Additional Wage and the calculator caps it against the remaining annual ceiling, which is S$102,000 minus the annual Ordinary Wages already subject to CPF.
Is this calculator free to use?
Yes, fully ungated. Enter your figures and the result appears instantly. No email, no account. If you would like this run accurately every month, with CPF, IR8A and IRAS filed for you, talk to Skillsforce about payroll.
Sources & references
Figures are drawn from primary government and vendor sources. Always confirm against the live source before acting. Rules change.
- CPF Board: CPF Contribution Rate Table from 1 January 2026 (PDF)Tables 1–5: Citizen/PR3+, SPR Y1 G/G, SPR Y2 G/G, SPR Y1 F/G, SPR Y2 F/G; accessed 23 June 2026
- CPF Board: How much CPF contributions to payAge-band rules, OW/AW ceilings, SPR year counting; accessed 23 June 2026
- CPF Board: What is the Ordinary Wage ceilingOW ceiling S$8,000 from 1 January 2026 (final phase of the multi-year adjustment)
This calculator produces a planning estimate, not a guaranteed result: figures and thresholds can change, and MOM or the CPF Board makes the final assessment. It is not professional, legal or tax advice. For guidance on your specific situation, talk to Skillsforce.