Permanent Resident Graduated CPF Rates Explained
How CPF contribution rates scale for 1st and 2nd year Singapore PRs — and when you hit full citizen-equivalent rates.
Read guide →Know your CPF Contribution Instantly
Accurate, up-to-date CPF contribution calculations for Singapore employees (citizen, PR) — breakdown by account, annual projection, and interest estimates
Why use this tool
Everything you need to understand your CPF
From monthly deductions to 10-year projections — all in one place.
Instant Calculation
Real-time results as you type. Change salary or age and see contributions update live with no page reloads.
Account Breakdown
See exactly how your CPF is split across Ordinary, Special, MediSave, and Retirement accounts with visual bars.
Annual & Multi-Year View
Switch between monthly, annual, 5-year, and 10-year projections to plan ahead with confidence.
Interest Estimates
Estimated yearly interest earned on OA (2.5%), SA (4%), MA (4%), and RA (4%) accounts shown automatically.
Ceiling Alerts
Automatic warning when your salary exceeds the Ordinary Wage ceiling of $8,000/month or annual $102,000 cap.
Retirement Reference
Key 2026 thresholds — BRS, FRS, ERS, and MediSave limit — all on one screen for quick reference.
How it works
Three steps to your full CPF picture
No sign-up, no data stored. Just fast, accurate calculations.
1
Enter Your Salary
Type your monthly gross salary. Add any annual bonus or AWS to include it in the annual projection.
2
Set Your Age
Use the slider to set your age. The correct CPF contribution bracket and allocation rates are applied automatically.
3
See the Breakdown
Instantly see your take-home pay, employer top-up, per-account allocation, and projected annual CPF savings.
CPF Contribution Rates
2026 rates at a glance
Rates vary by age. The table below shows total contribution rates for employees and employers.
| Age Group | Employee | Employer | Total |
|---|---|---|---|
| 55 & below | 20% | 17% | 37% |
| Above 55 to 60 | 18% | 16% | 34% |
| Above 60 to 65 | 12.5% | 12.5% | 25% |
| Above 65 to 70 | 7.5% | 9% | 16.5% |
| Above 70 | 5% | 7.5% | 12.5% |
Common questions
CPF questions, answered
The five questions readers ask most, answered against the current CPF Board rates.
How is CPF calculated in Singapore?
CPF contributions are a percentage of your gross monthly wage, paid by both you and your employer. The percentage depends on your age and your citizenship status. For a Singapore Citizen aged 55 and below earning up to the Ordinary Wage ceiling of $8,000 a month, the combined contribution in 2026 is 37% of wages — 20% from you and 17% from your employer.
What are the CPF contribution rates in 2026?
For Singapore Citizens aged 55 and below the employee rate is 20% and the employer rate 17%, 37% combined. The total then steps down with age: 34% for above 55 to 60, 25% for above 60 to 65, 16.5% for above 65 to 70 and 12.5% above 70. Permanent Residents pay lower graduated rates during their first two years.
How is CPF allocated to OA, SA and MediSave?
Allocation depends on age. For a member aged 35 and below, 23% of wages goes to the Ordinary Account, 6% to the Special Account and 8% to MediSave — that is 62.2%, 16.2% and 21.6% of the 37% total. The Ordinary Account’s share falls at every age band above that, and the share going to retirement and healthcare rises. The full allocation table lists every band.
Do Permanent Residents pay the same CPF as Citizens?
Not for the first two years. Under the graduated scheme, a PR aged 55 or below pays 5% with 4% from the employer in Year 1 (9% combined) and 15% with 9% in Year 2 (24%). From the third year onwards PR rates match Singapore Citizen rates. See the graduated rates explained.
What is the CPF Ordinary Wage ceiling?
The Ordinary Wage ceiling is $8,000 a month in 2026. Monthly CPF contributions are calculated only on wages up to that figure. Bonuses and the Annual Wage Supplement are Additional Wages, subject to a separate ceiling: the annual salary ceiling of $102,000 less the ordinary wages already subject to CPF that year.
Latest CPF Guides & Analysis
In-depth guides to help you understand and optimise your CPF contributions.
CPF Structural Changes at 55, 60 & 65
How your OA, SA, and RA allocations shift at each key age milestone — and what it means for your retirement trajectory.
Read guide →CPF vs SRS: Which Should You Prioritise?
A practical comparison of CPF top-ups versus SRS contributions for tax relief — with a clear decision framework for different income levels.
Read guide →