Enter your monthly income and age to see your full CPF breakdown — employee and employer contributions, distribution across your OA, SA, and MA, and how the progressive income ceiling changes affect your take-home pay.
The CPF income ceiling is the maximum amount of monthly salary subject to CPF contributions. Any income above this ceiling is not subject to CPF — meaning both employee and employer do not pay CPF on the excess amount.
Following Singapore's Budget 2023, the CPF income ceiling is rising progressively from S$6,000 (pre-September 2023) to S$8,000 (January 2026) in stages:
For higher-income earners, each ceiling increase means more of their salary becomes subject to CPF contributions. While take-home pay decreases slightly, total retirement savings (including employer contributions) increase.
Your inputs stay in your browser — nothing is sent to any server.
PR Year 1 and Year 2 use graduated contribution rates that increase progressively.
Your inputs stay on your browser only — nothing is sent to any server.