Stop Calculating CPF By Hand

By naise.app

If you've ever opened a spreadsheet to work out CPF contributions — checked the age band, hunted for the right percentage, split it across Ordinary, Special and MediSave accounts, then done it again for a Permanent Resident on graduated rates — you know how easy it is to get Singapore payroll subtly wrong.

So we opened up the calculation logic itself. naise's CPF calculator is free, needs no account, and uses CPF rates effective 1 January 2026. Enter a monthly salary and age, and it shows employee CPF, employer CPF, total CPF, and take-home pay in real time.

Try it here: naise.app/see-naise-in-action/cpf-calculator

New to naise? In short: naise is an AI-native HR and payroll platform for teams across Singapore, Malaysia, Indonesia, India, and the Philippines — payroll, HR, compliance, and even project management in one system, with an AI layer that reads live HR data and drafts actions (like a payroll run) for a human to approve before anything commits. This calculator is a small, standalone piece of that same compliance engine.

Why CPF calculations trip people up

CPF isn't a flat percentage. The correct rate depends on:

Age band — 55 & below, 55–60, 60–65, 65–70, and above 70 all carry different employer/employee splits
Residency status — Singapore Citizens and PRs from their 3rd year onward use standard rates; PR Year 1 and Year 2 use graduated rates
Wage type — Ordinary Wage (capped at $8,000/month) and Additional Wage (bonuses, commission) are treated differently, with an annual Additional Wage ceiling
Allocation — every dollar of CPF is split across three accounts: Ordinary Account (OA), Special Account (SA), and MediSave (MA), each at a different rate

Get any one of these wrong and you've either under-remitted — a compliance problem — or over-remitted — an unnecessary cost. Multiplied across every employee, every month, small errors compound fast.

What the calculator actually shows

Enter a salary and age, and it returns:

Employee and employer CPF contributions, in dollars, per month and annualised
Total CPF and the applied rate for both sides, based on your exact age band
Take-home pay after CPF deduction
(Bonus Take-Away)The account split — exactly how much goes to OA, SA and MA, in dollars and as a percentage
The full CPF rate table for Citizens/PRs, with your row highlighted, plus PR Year 1 and Year 2 graduated rates
Remaining Additional Wage ceiling for the year, so bonus runs don't overshoot the cap

As a reference point: a Singapore Citizen or PR (3rd year onward), aged 55 and below, earning $5,000 a month, works out to a combined 37% CPF contribution in 2026 — 20% employee, 17% employer — split roughly 62% to Ordinary Account, 16% to Special Account, and 22% to MediSave.

Why CPF Calculator tool

CPF math isn't hard because it's complicated math — it's hard because it's five or six rules that all have to be applied correctly, at the same time, and re-checked every time rates or bands change. That's exactly the kind of task where a person can be careful and still get it wrong, and where the mistake doesn't show up until IRAS or an employee's payslip flags it.

Rather than write another static "how CPF works" guide that goes out of date the next time rates move, we thought HR and finance teams would get more value from a tool that just does the calculation correctly, in the open, for free — whether or not you ever become a customer.

Who this is for

HR and finance teams wanting a fast second check on a payroll run
Founders and small business owners still doing payroll by hand or in a spreadsheet
Employees who want to understand exactly where their CPF deductions go
Anyone comparing payroll platforms who wants to see how the compliance logic actually behaves before committing to one

No sign-up. No credit card. Just correct numbers.

Try it, share it with your HR team, or bookmark it for the next payroll run: naise.app/see-naise-in-action/cpf-calculator

About naise: naise is an AI-native HR and payroll platform built for teams of size 2-20,000 operating across Singapore, Malaysia, Indonesia, India, and the Philippines(MENA/EU/US coming soon). It combines payroll, HR, statutory compliance, and project management on one platform, with an AI native foundation that assists with live payroll, leave, and attendance data and drafts actions — like a payroll run or a leave decision — for a human to review and approve before anything commits. naise is SOC 2 Type II and ISO 27001 audited.

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Accurate CPF Calculator(AI Native Business OS)