CPF Contribution Calculator 2027
Enter a monthly salary to see how much goes to CPF: the employee's share taken from pay, the employer's share on top, take-home pay and the total cost to the employer. Uses the official CPF rates from 1 January 2027, with 2026 rates as an option.
Your age band changes from the month after your 55th, 60th, 65th or 70th birthday.
Enter a salary to see the result.
The free SG CPF Contribution Checker Kit does the same check from your own records, month by month, and drafts the notes for you.
Common questions
What are the CPF contribution rates in 2027?
For Singapore Citizens and Permanent Residents from the 3rd year, on monthly wages above S$750: 37% (20% employee) for age 55 and below, 35.5% (19% employee) above 55 to 60, 26% (13% employee) above 60 to 65, 16.5% (7.5% employee) above 65 to 70 and 12.5% (5% employee) above 70, from 1 January 2027.
What changed from 2026?
Only the senior bands. Above 55 to 60 rises from 34% to 35.5% (employee 18% to 19%) and above 60 to 65 from 25% to 26% (employee 12.5% to 13%). The other bands and the graduated rates for 1st and 2nd year Permanent Residents do not change.
Is there a cap on CPF?
Yes. Ordinary Wages count only up to the Ordinary Wage ceiling of S$8,000 a month, so the most a 55 and below employee pays on salary is S$1,600 a month, with S$1,360 from the employer. Bonuses are subject to the Additional Wage ceiling of S$102,000 less the year's Ordinary Wages.
How is CPF rounded?
The total is rounded to the nearest dollar, the employee's share is rounded down to the nearest dollar, and the employer pays the difference.
Rates from the CPF Board contribution rate tables from 1 January 2027 and 1 January 2026, checked 2 November 2026, for private sector employees. The bonus is capped at the Additional Wage ceiling assuming the same salary all year. The Skills Development Levy is shown as an employer cost. A working aid, not payroll advice. Nothing you type leaves your browser.