CPF Contribution Calculator

Each month, you and your employer contribute a share of your wages to CPF, split across your Ordinary, Special (or Retirement), and MediSave Accounts.

Use this CPF Contribution Calculator to estimate your monthly CPF contribution based on your salary, date of birth, residency status, and any bonus. See how it's split between you and your employer, and how it's allocated across your CPF accounts.

CPF contribution rates can change each year. Select the year you’d like to calculate for.

Enter your monthly salary and date of birth to see your CPF contribution.

Disclaimer and sources

This calculator is an estimate for private-sector, non-pensionable employees, and covers Ordinary and Additional Wages for a single month. It does not model Additional Wages paid earlier in the year, voluntary contributions, or income tax. Rates are taken from CPF Board’s published contribution and allocation tables effective 1 January 2025, 1 January 2026, 1 January 2027. For an official figure, use CPF Board’s own calculator.

How CPF contributions work — and what to keep in mind


Build your CPF savings

Each month, you and your employer contribute a portion of your wages to CPF. These contributions are allocated across your Ordinary, Special or Retirement, and MediSave Accounts to support housing, retirement, and healthcare.

Understand the wage ceiling

CPF contributions on Ordinary Wages are calculated on up to $8,000 a month. Income above this ceiling does not attract CPF contributions, while bonuses and other Additional Wages are subject to a separate annual limit.

Plan for your broader goals

CPF is designed to support specific long-term needs. Understanding how much of your income is covered can help you consider how other savings and investments may complement CPF for greater flexibility and goals beyond it.

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