Singapore CPF Calculator
CPF contributions for employees by age band
🔒 Client-side · Method · · Disclaimer · Singapore CPF Calculator
Singapore CPF Calculator is built for CPF contributions for employees by age band — fast, free, and private. You supply Monthly Salary (SGD) to Singapore CPF; the answer follows at once. Singapore CPF displays each intermediate figure as well. Singapore CPF shines when speed matters. No account is needed for Singapore CPF. The browser does the arithmetic. Singapore CPF sits in the Regional section next to free online singapore cpf calculator and singapore cpf calculator contribution employee employer. Singapore CPF is designed for real people. Labels stay plain. Open Singapore CPF and enter your numbers.
What a S$6,000 salary contributes
At the 55-and-below band the employee contributes 20% and the employer 17%, so a S$6,000 monthly salary gives S$1,200 from the employee, S$1,020 from the employer, and S$2,220 a month in total.
Both halves land in the same CPF accounts, but only the employee’s S$1,200 comes out of take-home pay. The employer’s share is paid on top of your salary, which is why the total contribution is worth more than the deduction on your payslip suggests.
The arithmetic
Employee = 20% × S$6,000 = S$1,200.
Employer = 17% × S$6,000 = S$1,020.
Total = S$2,220 a month, or 37% of salary.
Ordinary wages are subject to a monthly ceiling — currently S$8,000 — so a S$12,000 salary contributes on S$8,000, not on the full amount. The page applies the ceiling before the percentages.
Why the age band changes everything
Contribution rates step down with age, on the reasoning that retirement savings need building early and that older workers face higher healthcare costs. Above 55 the total rate falls at each band; the split between employee and employer shifts too, so two colleagues on the same salary can take home different amounts purely because of their year of birth.
Below 55 the split is 20/17. The page applies the published rates for whichever band you select rather than a single rate for everyone, because the difference is large enough to change a monthly budget.
Where the money goes
The total is allocated across Ordinary, Special and MediSave accounts, and the allocation is also age-dependent. MediSave is the part that is spendable on approved medical costs; the Ordinary Account is the one that funds a home. The headline figure on this page is the contribution, not the spendable amount.
What the number does not include
- Additional wages. Bonuses attract CPF too, with their own annual ceiling, and they are not part of a monthly figure.
- Voluntary contributions. Top-ups to MediSave or the Retirement Sum are separate and often tax-advantaged.
- Self-employment. Sole proprietors contribute on net trade income under different rules, not as employee plus employer.
- Foreign employees. Work pass holders are generally outside CPF entirely.
Common misreadings
Reading S$2,220 as the deduction from salary overstates take-home loss threefold — the employee pays S$1,200. Conversely, quoting only S$1,200 understates the value of the package by the employer’s S$1,020. And comparing a Singapore offer with one in a taxed country should use the gross salary plus the employer contribution, not the net pay alone.
Worked example
Everything below is the page’s own arithmetic: the defaults above, run through the same formula the calculator uses, so the figures can be reproduced by hand.
- Monthly Salary (SGD): 6000
- Age Band: Under 55
The steps it follows:
- Step 1: Employee share = 20% × S$6,000 = S$1200.00
- Step 2: Employer share = 17% × S$6,000 = S$1020.00
- Step 3: Total contribution = S$2220.00
The result is Employee: S$1200.00/mo. The same run also reports: Employer: S$1020.00/mo | Total: S$2220.00/mo (wages ≤ S$8,000/month). Change one input on the page and every number above recalculates from scratch — nothing is stored, so a second run with the same values returns the same figures.
Frequently Asked Questions
Why is the total S$2,220 when only S$1,200 comes out of my pay?
Because CPF has two halves. The employee’s 20% (S$1,200) is deducted from your salary; the employer’s 17% (S$1,020) is paid by the company on top. Both go into your CPF accounts.
Is there a salary ceiling for CPF?
Yes. Ordinary wages are subject to a monthly ceiling — currently S$8,000 — so contributions are calculated on the lower of your salary and that ceiling. The page applies it before the percentages.
Why do two people on the same salary contribute different amounts?
Age band. The total rate and the employee/employer split both step down as you get older, so a colleague in a higher band contributes a smaller percentage of the same salary.
Can I take the money out?
Not freely. The allocation is by account: MediSave for approved medical costs, Ordinary for housing and education, Special for retirement. Withdrawal of retirement savings happens at the applicable age and subject to the set-aside requirements.
Does the employer contribution count as part of my salary?
Not on your payslip, but it is part of your total compensation. When comparing offers, add the employer’s 17% to gross salary — a S$6,000 package is really S$7,020 of cost to the employer.
Romania Take-Home Salary Calculator and other Regional tools
Romania Take-Home Salary Calculator · Remittance Fee Calculator · GST Calculator India · Electricity Bill Calculator India · Leave Encashment Calculator · NSC Interest Calculator · Regional Guides