What This Calculator Estimates
Singapore's Central Provident Fund (CPF) requires mandatory contributions from both employees and employers, allocated across different accounts for retirement, healthcare, and housing purposes, with contribution rates varying based on employee age and citizenship/residency status. This calculator estimates CPF contributions using the salary and contribution rate figures you provide, useful for retirement and financial planning in Singapore.
How to Use This Calculator
- Enter monthly salary in SGD.
- Adjust employee and employer rates if needed.
- Click Estimate CPF.
- Review the monthly contribution estimates.
- Verify official contribution rules before relying on the result.
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Tips for a More Accurate Estimate
- Confirm your exact age band, since CPF rates step down as you get older.
- Check the current monthly wage ceiling, since contributions above it aren't required.
- Remember new permanent residents often start at graduated (lower) rates for the first few years.
- Cross-check this estimate against your payslip, since employers apply CPF Board's exact rates.
- Review CPF Board's official rate tables whenever your age band changes.
Tips for a More Accurate Estimate
- Confirm the correct contribution rate for your age group and citizenship/residency status.
- Understand how contributions are allocated across Ordinary, Special, and MediSave accounts.
- Check current official CPF Board rates, since these can be adjusted by government policy.
- Use this alongside broader retirement and healthcare planning for a complete picture.
- Recalculate whenever your salary, age bracket, or residency status changes.
Frequently Asked Questions
How are CPF contributions split between employee and employer?
CPF requires contributions from both employee and employer, calculated as percentages of wages, with the combined amount allocated across the employee's Ordinary, Special, and MediSave accounts.
Do CPF contribution rates vary by age?
Yes, Singapore's CPF contribution rates typically decrease for older employees, reflecting adjusted rates as workers age, particularly noticeable for employees above certain age thresholds.
Does CPF apply to Permanent Residents the same way as citizens?
CPF contribution rates can differ for Singapore Permanent Residents, particularly in their first two years of PR status, compared to full Singapore citizens — confirm which schedule applies to your status.
What are the different CPF account types used for?
CPF contributions are typically allocated across the Ordinary Account (housing, investment, insurance), Special Account (retirement, investment), and MediSave Account (healthcare expenses), each serving different long-term purposes.
Should I verify this estimate against current official CPF contribution rates?
Yes, CPF contribution rates and allocation percentages can be adjusted by the Singapore government, so verify against current official CPF Board guidance before relying on this estimate.
Last updated: May 11, 2026