Calculate your monthly CPF contributions and see how they split across your OA, SA, and Medisave accounts.
Rates verified: June 2026
Advertisement
Changing age group resets these to the official 2026 rates.
Advertisement
Advertisement
For employees aged 55 and below, the employee rate is 20% and employer rate is 17%, totalling 37%. Rates are lower for older employees.
The CPF Ordinary Wage (OW) ceiling is SGD 8,000 per month from January 2026. CPF contributions are calculated on the lower of your actual salary or SGD 8,000.
No. Employment Pass (EP) holders are not required to contribute to CPF. Only Singapore Citizens and Permanent Residents contribute to CPF.
Yes. Every calculator on AsiaCalc is completely free to use with no signup required. All calculations run in your browser, so the figures you enter are never uploaded or stored.
The results are estimates based on published rates and the details you enter. They are intended for planning and general reference. For decisions that matter, confirm the figures with the official source or a qualified professional.
⚠️ Financial Disclaimer: Calculations on this site are for informational purposes only and do not constitute financial advice. Results are estimates based on published rates and may not reflect your individual circumstances. Always verify with official sources and consult a qualified financial advisor before making financial decisions.
The CPF (Central Provident Fund) calculator computes monthly contributions for employees and employers based on gross monthly wage, age, and citizen/PR status. For Singapore Citizens and Permanent Residents, both employee and employer must contribute. Employer contributions are paid on top of salary and do not reduce take-home pay. Employee contributions are deducted from gross salary.
CPF contributions are split across three accounts: Ordinary Account (OA), Special Account (SA), and MediShield Life/Medisave (MA). The allocation ratio changes as you age - younger members contribute more to OA for housing, while older members allocate more to MA for healthcare. At age 55, a Retirement Account (RA) is created from OA and SA savings up to the Full Retirement Sum.
A 30-year-old Singapore Citizen earning $5,000 gross monthly salary contributes 20% ($1,000) from their salary. Their employer contributes 17% ($850) on top. Total monthly CPF: $1,850. Of the employee's $1,000: $621 goes to OA, $150 to SA, and $229 to MA. CPF applies only to the first $6,000 of monthly wages (Ordinary Wage ceiling).