Free tool · No sign-up · CPF, SDL & community fund

Singapore CPF Calculator

Work out CPF, SDL and self-help group contributions in seconds — with your take-home pay and the total cost to your employer, powered by the same engine behind naise payroll.

Your details

Everything updates as you type.

CPF rates change on 1 January, so the year sets the rate table.

Capped at $8,000.00/mo
$
Additional Wage — optional
$

Used to pick your CPF age band

Self-help group contribution deducted from your pay, based on race or religion.

Your estimate

January 2026 · annual below
Take-home pay
$0.00

$0.00 / year

Employee CPF
$0.00

$0.00 / year

Employer CPF
$0.00

$0.00 / year

Cost to employer
$0.00

$0.00 / year

CPF contribution split$0.00 / month
Employee $0.00Employer $0.00

Your take-home (January 2026)

Gross wage (salary + bonus)
$0.00
Employee CPF
− $0.00
Take-home pay
$0.00

Cost to employer

Gross wage
$0.00
Employer CPF
+ $0.00
Skills Development Levy (SDL)
+ $0.00
Total cost to employer
$0.00

Estimates only, based on the CPF rates for January 2026 for private-sector employees. Actual contributions may vary with wage phase-in bands, voluntary top-ups and rounding. Not financial advice. Sources: CPF Board — contribution rates · SDL

Where your CPF goes

This month's $0.00 split across your CPF accounts.

Ordinary (OA)Housing, insurance, investment$0.0062.17%
Special (SA)Retirement savings$0.0016.21%
MediSave (MA)Healthcare and hospitalisation$0.0021.62%

CPF rates — Citizen / PR · 2026

Percentage of wage. The highlighted row applies to you.

Age bandEmployerEmployeeTotal
55 & below17%20%37%
Above 55–6016%18%34%
Above 60–6512.5%12.5%25%
Above 65–709%7.5%16.5%
Above 707.5%5%12.5%

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