CPF contribution & take-home pay calculator
Estimate your employee CPF deduction, employer CPF contribution, monthly take-home pay, and CPF account split from your salary and bonus.
CPF contribution & take-home pay
Estimate your monthly take-home, employee & employer CPF, and how your contributions split across OA, SA/RA and MediSave.
Summary
What this calculator is checking
CPF affects your cash salary differently from income tax. Employee CPF is deducted from your gross pay before it reaches your bank account. Employer CPF is contributed by your employer on top of your salary, so it does not reduce your take-home pay.
Monthly salary is usually treated as ordinary wages. Bonuses and other non-monthly payments are usually additional wages. This matters because CPF uses a monthly ordinary-wage ceiling and a separate annual ceiling for the total amount of wages that attract CPF.
From January 2026, CPF contributions on ordinary wages are capped at $8,000 per month. The annual salary ceiling remains $102,000. That is why a large bonus may not be fully subject to CPF if your salary has already used up most of the annual ceiling.
CPF contribution rates depend on age and member status. Singapore citizens and third-year permanent residents generally use the full-rate path, while first-year and second-year permanent residents may be on graduated rates.
For full-rate members, the calculator estimates how the monthly CPF contribution is split into Ordinary Account, Special or Retirement Account, and MediSave. Use it as a planning guide, not as a payroll slip replacement.