Act on the result
Confirm CPF coverage, age band and wage treatment with current records.
Educational only: Work and pay decision support, not tax, legal, financial or career advice.
Privacy: No account is required. Tool inputs and results stay in this browser. Anonymous categorical usage analytics send only governed page, tool, cluster and action identifiers; tool inputs and results are never sent. Error monitoring is disabled. Optional saved state stays only on this device.
Update policy: Reviewed when formulas or official dependencies change.
Scope: Singapore work and pay planning using your own assumptions.
What this calculator helps you decide
Best for
Estimating bounded 2026 Singapore employee and employer CPF contributions.
Outputs
Employee contribution, employer contribution and total contribution.
Start here
Confirm CPF coverage and enter only wages supported by the calculator scenario.
- Close-intent boundary
- Do not use this to value a user-entered employer match; use Employer Retirement Match Value Calculator. This is not complete take-home pay and does not determine CPF coverage.
Estimate tax and statutory pay
Singapore CPF Contribution: employee contribution
Employee contribution, employer contribution and total contribution.
2026 employee CPF inputs
Confirm the statutory arrangement, age band and wage classifications.
Your numbers stay in this browser
Choose the confirmed CPF arrangement.
Choose the exact statutory age band.
Confirmed Ordinary Wage paid this month, bounded by the annual Ordinary Wage maximum.
Confirmed Additional Wage paid this month.
Annual CPF wage-ceiling contextOpen the assumptions you are less likely to change on every comparison.
Ordinary Wage already subject to CPF for the calendar year, including this month.
Additional Wage already subject to CPF before this month; live state is capped by the remaining ceiling after annual Ordinary Wage.
Confirm the CPF contribution arrangement before calculating
Result needs confirmed assumptions
Review the highlighted assumptions and confirm the required eligibility or coverage choices before calculating a result.
Why no estimate is shown
Wage101 does not infer legal eligibility or coverage. Review the formulas and scope before entering a confirmed scenario.
Open this calculator with preset values
This calculator supports documented, shareable scenario URLs. Compatible assistants and applications can construct links using the parameters below.
Scenario values are visible in the URL, calculations run in the browser, and optional saved state stays only on this device. Anyone you share the URL with can read those numbers, so do not include private or identifying data.
| Parameter | Meaning | Unit | Allowed values | Presence | Default |
|---|---|---|---|---|---|
| contributionArrangement | Choose the confirmed CPF arrangement. | confirmed statutory arrangement | 5, 0, 1, 2, 3, 4 | Required | Not confirmed |
| ageBand | Choose the exact statutory age band. | confirmed statutory age band | 6, 0, 1, 2, 4, 5 | Required | Not confirmed |
| ordinaryWageThisMonth | Confirmed Ordinary Wage paid this month, bounded by the annual Ordinary Wage maximum. | SGD/month | 0 to 96000 | Required | 6000 |
| additionalWageThisMonth | Confirmed Additional Wage paid this month. | SGD/month | 0 to 102000 | Required | 2000 |
| annualOrdinaryWageSubjectToCpf | Ordinary Wage already subject to CPF for the calendar year, including this month. | SGD/year | 0 to 96000 | Required | 72000 |
| additionalWageAlreadySubjectToCpf | Additional Wage already subject to CPF before this month; live state is capped by the remaining ceiling after annual Ordinary Wage. | SGD/year-to-date | 0 to 102000 | Required | 0 |
Singapore CPF Contribution: employee contribution
Use this as a bounded CPF contribution estimate, not complete take-home pay.
Formula summary
- Primary formula
- employeeCpfContribution = drop cents from the employee share selected by the confirmed arrangement, age band and CPF wage tier
Data used here
- Singapore employee CPF contribution rules for 2026: Central Provident Fund Board; verified; checked 2026-07-27.
Decision checks
Stress-test the decision
Retest around supported wage ceilings and contribution-rate boundaries.
Assumptions and sources
- Singapore employee CPF contribution rules for 2026
- Central Provident Fund Board, CPF Contribution Rate Table from 1 January 2026 Checked 2026-07-27.
Primary source →
When this estimate can be misleading
- The tool does not decide CPF eligibility or classify unusual payments.
- Income tax, platform work and complete take-home pay are excluded.
- Use this as a bounded CPF contribution estimate, not complete take-home pay.
Educational estimate, not advice. See all assumptions & limitations →
Related reading
Use these practical guides to interpret the decision and its assumptions.
- How Singapore CPF contributions are calculated in 2026
Estimate employee and employer CPF contributions for a supported 2026 Singapore wage scenario.
Read guide
Frequently asked questions
What employee and employer CPF contributions apply to this supported 2026 scenario?
Confirm CPF coverage, age band and wage treatment with current records.
Does this calculate tax or take-home pay?
Confirmed employee CPF arrangement and wage classification only; this is not a take-home-pay calculator.
Which official source and period does this use?
Official CPF Board rate, ceiling and wage-classification sources captured and reviewed 27 July 2026. Coverage: 2026 calendar year.
Can I share or save a scenario?
Tool inputs and results stay in this browser. Anonymous categorical usage analytics send only governed page, tool, cluster and action identifiers; tool inputs and results are never sent. Error monitoring is disabled. Optional saved state stays only on this device.
How should I use the calculated result?
Treat the calculated result as one scenario, then verify the input record with the greatest effect on that result.