24/3/25
September 10, 2025
12
min read
Singapore CPF Calculator: Fast, Accurate CPF Contribution Calculator
The Central Provident Fund (CPF) is an employment-based scheme that serves as a compulsory savings plan for Singaporeans and Permanent Residents (PR). CPF contributions are made by both employers and employees at varying rates, depending on the employee’s age and salary.
CPF helps Singapore Citizens and Permanent Residents set aside funds to build a strong foundation for retirement.
Our CPF calculator Singapore provides instant, accurate calculations for all your CPF contribution needs. This comprehensive Singapore CPF rates calculator handles everything from basic salary computations to complex scenarios like first year PR CPF calculations and additional wage contributions.
Need to calculate CPF for first year PR employees? Our calculator automatically adjusts rates based on PR status. Managing additional wages? The CPF calculator with additional wages feature helps you accurately compute bonus contributions while staying within yearly limits. From monthly salary calculations to annual wage supplements, our Singapore CPF calculator helps you manage compliance and accuracy.
How the CPF Calculator Works
The Singapore CPF rates calculator processes your employee information to provide clear contribution information that helps you manage compliance and accuracy.
Here's how our CPF contribution calculator handles different scenarios:
Base Calculations:
The CPF calculator Singapore processes your Monthly Ordinary Wages (OW) within the current MoM ceiling. For bonuses, our CPF calculator with additional wages feature applies the yearly ceiling of minus total OW contributions.
Age Based Adjustments:
Our employer CPF contribution calculator automatically applies age-appropriate rates based on current MoM guidelines:
- Below 55 years: Full rates
- 55-60 years: Graduated rates
- 60-65 years: Reduced rates
- 65-70 years: More reduced rates
- Above 70 years: Senior rates
Citizenship Considerations:
The CPF rates calculator adjusts based on status:
- Singapore Citizens: Standard rates
- Using CPF calculator for first year PR: Graduated rates
- Second-Year PR: Enhanced rates
- Foreign Workers: No CPF required
For Permanent Residents, there are three contribution structures:
- Graduated: Standard PR rates that increase after your first year
- Full ER: Your employer contributes the full rate while employee follows graduated rates
- Full EE/ER: Both employer and employee contribute at full rates, similar to Singapore Citizens
Citizenship Considerations:
The CPF rates calculator adjusts based on status:
- Ordinary Account (OA)
- Special Account (SA)
- MediSave Account (MA)
Key Definitions
Essential terms for using the CPF calculator Singapore effectively.
Ordinary Wages (OW)
Monthly wages calculated by our CPF contribution calculator, including basic salary and fixed allowances, capped at $6,000.
Additional Wages (AW)
Non-regular payments processed by our CPF calculator with additional wages feature, including bonuses and variable commissions.
Ordinary Account (OA)
Your primary savings account that handles housing, insurance, and approved investments. This account earns 2.5% interest annually and gives you flexibility in managing immediate financial needs
MediSave Account (MA)
Dedicated to healthcare expenses, this account helps you manage medical costs and insurance premiums. It earns 4% interest annually, ensuring your healthcare savings grow over time.
Special Account (SA)
This account exists throughout your working life (from the start of CPF contributions). It specifically focuses on retirement planning and typically earns higher interest rates than the Ordinary Account. SA funds can be used for retirement-related investments under approved schemes, but they're less accessible than OA funds.
Retirement Account (RA)
Created at 55, combining OA and SA funds that are transferred to your newly created RA up to the Full Retirement Sum (FRS) or Basic Retirement Sum (BRS) if applicable. The RA provides monthly payouts when you reach the eligible payout age.
Skills Development Levy (SDL):
The Skills Development Levy is a mandatory contribution that employers in Singapore must make to support workforce upgrading and lifelong learning initiatives. It's collected by CPF Board but goes to the Skills Development Fund (administered by SkillsFuture Singapore). Employers pay SDL for all employees, including foreign workers (unlike CPF which is only for citizens and PRs).
Calculator Instructions
Follow these simple steps to calculate CPF contributions:
Step 1: Enter payroll information
Choose the payroll month and year you’d like to calculate for
Step 3: Calculate
Click "calculate" to generate results
Step 2: Enter employee information
- Enter the employee’s birthday
- Choose citizenship status:
- Singapore Citizen
- Permanent Resident (Select "First year" for first year PR or "Second year" for all subsequent years)
- Choose the CPF Donation Type if applicable
- Enter the monthly salary (OW) amount
- Enter any additional wages (bonuses, commissions) if applicable
Step 4: View your results
Your calculation will show:
- Employee's contribution amount
- Employer's contribution amount
- Total CPF contributionAccount allocation
Tips for accurate calculations:
- Include all fixed monthly allowances in basic salary
- Enter additional wages separately from monthly salary
- Double-check citizenship status as rates vary significantly
Additional factors affecting your contributions include:
- Your age bracket
- Monthly salary and any additional wages
- Selected community contributions:
- CDAC (Chinese Development Assistance Council): 0.5% of income
- SINDA (Singapore Indian Development Association): 1% of income
- ECF (Eurasian Community Fund): 0.5% of income
- MBMF (Mosque Building and Mendaki Fund): 1% of income
Use this calculator to understand your monthly CPF allocation, additional deductions, and take-home pay. At age 55, a Retirement Account (RA) will be created, combining savings from your Special and Ordinary Accounts to provide monthly retirement payouts.
Frequently Asked Questions
(FAQs)
How to calculate CPF contribution for AWS?
Enter monthly OW first, then input bonus amounts. Our CPF contribution calculator applies appropriate ceilings automatically.
Is the CPF calculator for first year PR accurate?
Yes, our Singapore CPF rates calculator automatically applies correct graduated rates for first-year PRs.
How much is CPF deduction?
Your CPF deduction is dependent on various factors including your age, resident status, and salary. Use our CPF calculator to determine your CPF deduction.
How to calculate salary from CPF contribution?
To calculate your gross salary, follow this formula: Gross Salary = (Employee's CPF Contribution × 100) ÷ Employee's Contribution Rate
What are the CPF calculations for foreign workers?
Foreign workers (Singapore work pass holders like Employment Pass, S Pass, or Work Permit holders) do not contribute to CPF and employers do not make CPF contributions on their behalf. Foreign workers have completely different social security arrangements compared to citizens and PRs.
.avif)
.avif)