Your CPF, Decoded.
Stop guessing your retirement numbers. Calculate your exact CPF contributions, project your interest growth, and estimate your CPF LIFE payouts. Updated for 2026 rates.
Enter your details and click Calculate.
Popular CPF tasks
Jump straight to the calculation you need.
Take-home Pay
Find out how much CPF is deducted from your salary each month and what lands in your bank account.
Open calculator →businessEmployer Cost
Calculate the full employer CPF contribution — useful for freelancers hiring help or business owners.
Open calculator →card_giftcardBonus & AW
See CPF owed on bonuses, commissions, and additional wages above the Ordinary Wage ceiling.
Open calculator →flagCPF for PRs
Singapore Permanent Residents pay different rates. Check your contribution tiers for the first two years and after.
Open calculator →elderlyAfter 55
CPF rules change at 55 — a Retirement Account is created and contribution rates drop. See what changes.
Open calculator →update2027 Changes
Stay ahead of upcoming CPF policy changes. Browse our frequently asked questions for the latest updates.
Open calculator →Browse by goal
Not sure which calculator to use? Start with what you want to figure out.
Understand my monthly pay
arrow_forwardGrow my CPF savings
arrow_forwardPlan for retirement
arrow_forwardUnderstand CPF as a PR
arrow_forwardCheck rates and limits
arrow_forwardSee the rules behind every result
We publish the policy year, formula, rounding method, assumptions and official sources used by each calculator.
Free CPF Calculators. Full Picture.
Contribution · Interest · CPF LIFE · Retirement Sum · Tax Relief
Contribution Calculator
See exactly how much CPF is deducted from your salary each month — employer and employee portions, broken down by OA, SA, and MA.
Try it →CPF LIFE Payout Calculator
Enter your projected RA balance. See estimated monthly payouts under Standard, Escalating, and Basic plans.
Try it →Interest Calculator
Project how your CPF balances grow with 2.5% OA / 4% SA/MA interest rates, plus the extra 1% on your first $60,000.
Try it →Retirement Sum Calculator
See if you’re on track for the Full Retirement Sum at 55. Compare against BRS ($110,200), FRS ($220,400), and ERS ($440,800).
Try it →Tax Relief Calculator
Before you top up $8,000 to your SA, know it saves you $560–$1,760 in taxes — depending on your income bracket.
Try it →Your Data Never Leaves Your Browser
All calculations run in JavaScript on your device. We don't send your salary, age, or CPF balances to any server. You can verify this by turning off your internet — the calculators still work.
Frequently Asked Questions
Start with your monthly CPF contribution
Enter your age, residency status and wages to see the employee share, employer share and estimated account allocation.
Free to use · No account required · Rules and assumptions shown