How to use this calculator
Enter the employee's basic monthly salary, then add any current bonus or commission. If bonuses were already paid earlier this year, include them too so the calculator can estimate CPF against the annual Additional Wage ceiling more accurately. Select the employee's age group, citizenship or PR status, and any self-help group contribution before calculating.
- 2026 CPF rates
- $8,000 OW ceiling
- Updated June 2026: 1 Jan 2026 CPF changes
Gross Income | |
Total CPF Contribution | |
CPF (Employer) | |
CPF (Employee) | |
SDL | |
Take Home Salary | |
Self Help Group Contribution |
Salary used in | |
Bonus & Commissions used in CPF calculationsrefer to your current additional wage ceiling below | |
Employer CPF rate | |
Employee CPF rate | |
Additional Wage CeilingBased on your salary, this is the max yearly CPF contribution for bonuses or commissions | |
Current Additional Wage CeilingAfter subtracting your previously paid bonuses and commissions, this is your current annual CPF contributions for bonuses or commissions | |
Total Cost to EmployerGross + Employer CPF + SDL |
Singapore CPF Contribution Calculator for 2026
Use this CPF calculator to estimate monthly employer CPF contributions, employee CPF deductions, Skills Development Levy, self-help group contributions and take-home salary for Singapore payroll planning. The calculator supports Singapore Citizens and Singapore Permanent Residents, including first and second year SPR contribution options.
The calculation uses CPF contribution rates effective from 1 January 2026, with Ordinary Wages capped at $8,000 per month and Additional Wages subject to the annual wage ceiling. Final payroll submissions should still be checked against CPF Board tools, CPF EZPay and your employee's exact CPF eligibility details.
CPF Calculator FAQ
What does this CPF calculator estimate?
This calculator estimates CPF contributions for Singapore Citizens and Singapore Permanent Residents based on monthly ordinary wages, additional wages, age group, PR status, pro-rated salary, self-help group contribution and Skills Development Levy.
Which CPF rules does this calculator use?
The calculator uses CPF contribution rates effective from 1 January 2026, including the $8,000 Ordinary Wage ceiling and the $102,000 annual wage ceiling for Ordinary and Additional Wages.
Does the calculator support first and second year Permanent Residents?
Yes. It supports first and second year Singapore Permanent Residents under graduated contribution rates, full employer and graduated employee rates, and full employer and employee rates.
Is this CPF calculator an official CPF Board calculator?
No. This is an SBO.sg estimation tool for business owners and payroll planning. Employers should verify final contribution amounts with CPF Board tools or CPF EZPay before submission.
Reference regulations used to build this CPF Calculator
- CPF 2023 Changes
- CPF Rates By age CPF contribution rates and the factors affecting them
- CPF Contributions to Self help Groups donations to SHGs
- CPF Rates For PRs Allocation Rates for 1st and 2nd year PRs
- SDL Contribution Rates
Disclaimer for this CPF calculator
Please use this tool with discretion. In no event shall SBO be liable for damages, expenses, costs or loss of any kind (including without limitation any direct, or indirect, special, incidental or consequential damages, loss of profits or loss opportunity) howsoever caused as a result (direct or indirect) of, or in connection with, your use of this Website, or reliance on any information, materials, tools or online services provided in or available from this Website, irregardless of the form of action.
