See exactly what your pay rise is worth. Enter a percentage or a new salary to get your dollar increase, new monthly and annual pay, and the CPF impact.
CPF rates verified: June 2026
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CPF applies to the first SGD 8,000 of monthly salary (Ordinary Wage ceiling).
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Subtract your old salary from your new salary to get the dollar increase, then divide by your old salary and multiply by 100. For example, a rise from SGD 5,000 to SGD 5,400 is a SGD 400 increase, which is an 8% increment.
Yes, as long as your salary is below the CPF Ordinary Wage ceiling of SGD 8,000 per month. Both your employee contribution and your employer contribution rise with your salary. Above SGD 8,000 a month, CPF is capped, so any increment above the ceiling goes entirely to your take-home pay.
Annual increments in Singapore commonly range from 3% to 5% for staying in the same role, while a promotion or a job switch often brings 10% to 20% or more. The right number depends on your industry, performance, and the market rate for your role.
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 decisions.
This calculator turns a pay rise into clear numbers. You can enter the rise as a percentage or simply type your new salary, and the tool shows the dollar increase, your new monthly and annual pay, and how much of the increase actually reaches your bank account after CPF.
If you know the percentage, the new salary is your current pay multiplied by 1 plus the percentage. If you know the new salary, the percentage is the increase divided by your current pay. For example, going from S$5,000 to S$5,400 is a S$400 increase, which is an 8% increment.
For Singapore Citizens and PRs aged 55 and below, the employee CPF rate is 20% and the employer rate is 17%, applied to the first S$8,000 of monthly salary. When you get a rise below that ceiling, part of the increase goes into your CPF rather than your take-home pay, and your employer also contributes more on top. Your take-home increase is the gross rise minus the extra employee CPF.
CPF only applies to the first S$8,000 of monthly Ordinary Wages. If your salary is already above the ceiling, an increment does not add any CPF, so the full rise lands in your take-home pay. This is why high earners feel more of each increment as cash.