SINGAPORE CPF CONTRIBUTION CALCULATOR 2025

Calculate Singapore CPF contributions for 2025 with updated rates and OW ceiling. Five age brackets: 20%/17% (≤55), 15%/15% (55-60), 9.5%/11.5% (60-65), 7%/8.5% (65-70), 5%/7.5% (>70) — all raised as of 1 Jan 2025. OW ceiling raised to S$7,400/month from Jan 2025. Supports Citizen and PR Year 1/2/3+...

HOW TO USE

1. 1

   Select your residency status — Citizen/PR Year 3+ (full rates), PR Year 1 (EE 5%/ER 5% for all ages), or PR Year 2 (EE 15%/ER 8% for age 55 and below). Enter your monthly gross wage. Presets include the key OW ceiling of S$7,400 (from Jan 2025). Enter your age — CPF rates change across 5 age brackets.

2. 2

   Results show: employee CPF (deducted from wage), employer CPF (paid on top of wage), total CPF, monthly take-home, and total cost to employer. The account allocation panel shows how the combined CPF is split across OA, SA (below 55) or RA (55+), and MA. Enter Annual Additional Wages (bonus/commission) to see the AW ceiling and annual CPF totals.

3. 3

   Switch to Employer Costs to see a 10-salary reference table (S$2K to S$15K) and an age-bracket comparison table showing how CPF rates change from 37% total (below 55) down to 12.5% (above 70) — affecting both employee take-home and employer cost. Switch to Account Allocation for a full breakdown of OA/SA/MA/RA split by age group, CPF interest rates, and 2025 key figures (OW ceiling, BHS, FRS, ERS).

FREQUENTLY ASKED QUESTIONS