CPF Calculator For Singapore Employers and Employees

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.

The Central Provident Fund (CPF) is a key pillar of Singapore’s social security system. CPF helps Singapore Citizens and Permanent Residents set aside funds to build a strong foundation for retirement.

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Contribution rates from September 2023 onwards
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How CPF Works

CPF is a comprehensive savings system.

As you work and make CPF contributions, you accumulate savings in 3 accounts: 

  • Ordinary Account (OA) – For retirement, housing, insurance and investment
  • MediSave Account (MA) – For hospitalization, medical expenses and approved medical insurance
  • Special Account (SA) – For old age investment in retirement-related financial products 

At age 55, a Retirement Account (RA) is created for you, where you receive monthly retirement payouts.

Use this CPF calculator to compute the CPF contributions payable for private sector and non-pensionable government employees.

Found this useful? Check out our guides & tools:

Salary Calculator in Singapore
Payroll Singapore Reference Guide
Guide to Payroll Outsourcing in Singapore
Omni’s Payroll Outsourcing Services in Singapore


What is a CPF calculator?

  • Depending on your age, CPF contribution rates can range from 12.5% to 37% of your monthly wages.
  • Our CPF calculator helps you determine the amount of your monthly contributions based on factors such as your age, your salary, and citizenship status

Instructions for using the CPF calculator

Enter your age, salary, bonus and commission – the calculator will do the rest!

What is payroll outsourcing?

Payroll outsourcing is the practice of delegating your company’s payroll management to an external service provider. This includes processing monthly payrolls, managing tax deductions, ensuring compliance with local statutory requirements, and handling other payroll-related tasks.

What services should a payroll services company offer?

A reputable payroll services company in Singapore should offer:

  • Monthly payroll processing
  • Tax deductions and submissions
  • Compliance with local statutory requirements
  • Real-time reporting
  • Employee self-service portals
  • Year-end tax form preparations (e.g., IR8A)
  • Government-Paid Leave (GPL) and National Service Make-Up Pay (NS MUP) claims processing
  • CPF contributions and refunds processing

Automate your CPF calculations with our payroll software

Plan starts from $3 per employee, per month

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