CPF Contribution Calculator
Calculate your monthly CPF contributions — employer and employee portions, broken down by OA, SA, RA, and MA. Updated for 2026 rates.
What This Result Means
Your CPF contributions are split between your employer and yourself. The total contribution is then allocated across four accounts: Ordinary Account (OA) for housing and education, Special Account (SA) for retirement, MediSave Account (MA) for healthcare, and Retirement Account (RA) for members aged 55 and above.
Assumptions and Limitations
- •Uses CPF rules effective 1 January 2026.
- •OW ceiling: $8,000/month. AW ceiling: $102,000/year minus YTD OW.
- •CPF annual limit: $37,740.
- •For wages $50 or below: no CPF payable.
- •For wages $500–$750: graduated rates apply.
- •PR rates depend on year of SPR status and contribution arrangement.
- •Actual payroll may differ for back pay, leave pay, or sector-specific rules.
How We Calculate This
We apply the official 3-band formula: (1) wages ≤$50: zero contribution; (2) ≤$500: total-only rate on full wages; (3) ≤$750: base rate plus graduated addon on the amount above $500; (4) >$750: full rates on CPF-applicable wages. Rounding follows CPF Board rules: total rounded to nearest dollar (0.5 up), employee floored to nearest dollar.
Learn more about our methodology →CPF Calculator SG is an independent planning tool and is not affiliated with or endorsed by the Central Provident Fund Board, IRAS or the Singapore Government. Results are estimates based on the inputs and policy data shown. For payroll, tax filing or retirement decisions, verify the result with the relevant official service.
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Reviewed by the CPF Calculator SG editorial team
Last reviewed: 16 August 2026
Rules effective: 1 January 2026