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How Much Will I Take Home After CPF?
Salary After CPF Calculator
Enter your gross monthly salary and age. See your take-home pay and how much you and your employer put into CPF each month.
2026 CPF rates: up to age 55 you pay 20% and your employer pays 17% (37% in total). See the rates for every age.
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2 Your Result
After CPF, you could take home about
3 What Next
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What This Estimate Assumes
Rough estimate only. Uses CPF rates from 1 January 2026 and the S$8,000 monthly salary cap (Ordinary Wage ceiling). For Singapore Citizens, and PRs from their third year, earning above S$750 a month. Your age is your age at your last birthday: CPF moves you to the next age group’s rates from the month after you turn 55, 60, 65 or 70. Foreigners on a work pass pay no CPF, so their take-home before tax is their gross salary. Leaves out bonuses and other Additional Wages, lower (graduated) PR rates, income tax and other payroll deductions. The employer view adds employer CPF to the salary; its yearly figures assume 12 equal months with no bonus and leave out the Skills Development Levy, foreign worker levies and other staff costs. CPF Board’s calculator gives the official amount.
CPF Contribution Rates 2026
Up to age 55, CPF takes 20% of your wage and your employer adds 17%: 37% in total, on monthly wages up to S$8,000.
| Your Age | You Pay | Employer Pays | Total CPF |
|---|---|---|---|
| 55 and 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% |
Rates from 1 January 2026 for Singapore Citizens, and PRs from their third year, earning above S$750 a month. Your age is your age at your last birthday; the next band starts the month after your 55th, 60th, 65th or 70th birthday. CPF is charged on monthly salary up to the S$8,000 Ordinary Wage ceiling. Employers pay both shares to CPF Board and take your share from your salary.
Source: CPF Board — contribution and allocation rates (opens in new tab); CPF Board — Ordinary Wage ceiling (opens in new tab), checked 19 Oct 2026.
Before You Use This Number
Is Employer CPF Taken From My Salary?
No. It is paid by your employer on top of your gross salary.
Why Is My Salary Capped For CPF?
From January 2026, CPF is charged on monthly salary (Ordinary Wages) up to S$8,000.