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.
Employee Rate
7.0%
Employer Rate
8.5%
Total Rate
15.5%
See Your Long-Term Projection
Project your CPF balances through retirement based on these rates
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.
Useful if you want the reference numbers close by while using the calculator, projection page, or CPF LIFE estimator.
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PR Year 1 and Year 2 use graduated contribution rates that increase progressively.
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