CodeKitHubWhat Is This Tool?
This calculator computes your employee CPF contribution and net take-home pay from your gross Ordinary Wage (OW) — your regular monthly salary, as opposed to Additional Wages (AW) like bonuses, which use a separate annual ceiling formula and aren't covered here. It applies the current 2026 contribution rate table, which varies by age band: 20% employee / 17% employer (37% total) for those 55 and below, tapering down through four higher age bands to 5% employee / 7.5% employer (12.5% total) above age 70.
The Ordinary Wage ceiling — the maximum monthly wage subject to CPF — is $8,000 as of 1 January 2026, up from $7,400 in 2025. Any wage above that ceiling isn't subject to CPF contributions. The employer's contribution is a separate cost to the employer and doesn't reduce your take-home pay; only the employee-side deduction does.
Why Use It?
- Uses the current 2026 OW ceiling of $8,000 — many other calculators still show the outdated $7,400 or earlier figures ($6,000/$6,300/$6,800), since the ceiling has moved five times since 2023.
- Applies the correct age-band rate table instead of assuming the 55-and-below rate for everyone — the total rate roughly halves by age 60–65 and again above 70.
- Clearly separates the employee deduction (which reduces your take-home pay) from the employer's contribution (which doesn't).
- Free and instant — no signup, the calculation runs entirely in your browser.
How to Use
- Enter your gross monthly Ordinary Wage.
- Select your age band (55 and below is the default and most common).
- Read your CPF employee deduction and net take-home pay.
Example
Input
Gross monthly wage: S$5,000, age 55 and belowOutput
CPF deduction: S$1,000 — Take-home pay: S$4,000S$5,000 is under the $8,000 OW ceiling, so the full amount is subject to CPF. Employee deduction = 20% × 5,000 = 1,000. Take-home pay = 5,000 − 1,000 = 4,000. The employer separately contributes 17% × 5,000 = 850, which doesn't affect your take-home pay.
Frequently Asked Questions
Does this apply to bonuses or my annual wage supplement (AWS/13th month)?
No. Bonuses and other Additional Wages (AW) use a separate ceiling formula — the AW ceiling is $102,000 minus the Ordinary Wages already subject to CPF for the year — and aren't simply taxed at the same monthly rate. This calculator covers Ordinary Wages (your regular monthly salary) only.
Why does the rate depend on my age?
CPF contribution rates step down significantly as you get older: 37% total (20% employee) up to age 55, then 34%, 25%, 16.5%, and 12.5% total across four higher age bands up to and above age 70. This calculator lets you select your band to get an accurate figure rather than assuming everyone pays the highest rate.
What is the Ordinary Wage ceiling, and why does it matter?
It's the maximum monthly wage subject to CPF — currently $8,000 as of 1 January 2026. If you earn more than that in a month, only the first $8,000 is subject to CPF contributions; the excess isn't. The ceiling has risen several times since 2023 (from $6,000 to today's $8,000), so using an outdated figure understates your actual contribution if you earn near or above it.
Does the employer's 17% contribution reduce my take-home pay?
No. The employer's contribution is a separate cost paid by your employer on top of your gross wage — it doesn't come out of your salary. Only your own 20% employee contribution is deducted from your gross wage to arrive at take-home pay.
Is this an official CPF Board calculation?
No. This is a general calculator based on CPF Board's publicly published 2026 contribution rates, intended for a quick estimate. It doesn't account for special cases like graduated rates for new Permanent Residents in their first or second year, or the annual CPF contribution limit for high earners with large bonuses. For your exact figures, check the CPF Board's official calculator at cpf.gov.sg.