What is the difference between Ordinary Wages and Additional Wages for CPF?

Ordinary Wages (OW) are the fixed monthly salary an employee receives — subject to a monthly CPF ceiling of S$8,000 from January 2026. Additional Wages (AW) are non-monthly payments like bonuses and commissions — subject to an annual cap calculated as S$102,000 minus the total OW already subject to CPF that calendar year. The distinction matters because the two ceilings apply independently, and applying the wrong ceiling to a bonus payment is a common source of CPF miscalculation.