CPF Calculator
Your monthly CPF contributions, take-home pay and account allocation on the rates effective 1 January 2026. Everything runs locally in your browser — nothing is stored.
Monthly take-home pay
S$4,000
Employee contribution (20% of capped wage)S$1,000
Employer contribution (17%)S$850
Total to CPFS$1,850
Where the monthly total goes
Ordinary AccountS$1,150.15 · 62.17%
Special AccountS$299.89 · 16.21%
MediSave AccountS$399.97 · 21.62%
Annual summary
Ordinary Wages subject to CPFS$60,000
Additional Wage ceilingS$42,000
Annual employee contributionS$12,000
Annual employer contributionS$10,200
Annual total to CPFS$22,200
Annual take-homeS$48,000
See the 2026 rate tables
Contribution rates (% of wage)
| Age band | Employer | Employee | Total |
|---|---|---|---|
| 55 and below | 17% | 20% | 37% |
| Above 55 to 60 | 16% | 18% | 34% |
| Above 60 to 65 | 12.5% | 12.5% | 25% |
| Above 65 to 70 | 9% | 7.5% | 16.5% |
| Above 70 | 7.5% | 5% | 12.5% |
Allocation ratios (share of total contribution)
| Age band | OA | SA/RA | MA |
|---|---|---|---|
| 35 & below | 0.6217 | 0.1621 | 0.2162 |
| Above 35–45 | 0.5677 | 0.1891 | 0.2432 |
| Above 45–50 | 0.5136 | 0.2162 | 0.2702 |
| Above 50–55 | 0.4055 | 0.3108 | 0.2837 |
| Above 55–60 | 0.353 | 0.3382 | 0.3088 |
| Above 60–65 | 0.14 | 0.44 | 0.42 |
| Above 65–70 | 0.0607 | 0.303 | 0.6363 |
| Above 70 | 0.08 | 0.08 | 0.84 |
Applies to Singapore Citizens and Permanent Residents from the third year of PR. First- and second-year PRs on graduated rates are not covered.
For members 55 and above, contributions to the Retirement Account apply up to the Full Retirement Sum; amounts beyond it go to the Ordinary Account. This calculator assumes the FRS has not been set aside.