CPF Contribution Rates 2026
Complete guide to CPF contribution rates. Understand employee and employer contributions, age-based rates, salary ceiling of $8,000, and how much CPF you should be receiving.
Understanding CPF Contributions
CPF contributions are shared between employee and employer. The total contribution rate depends on your age, with higher rates for younger workers to maximize compound growth over time.
Maximum total rate (age 55 and below)
Monthly ceiling (Jan 2026)
Annual limit (unchanged)
Key 2026 Updates
- • Monthly salary ceiling: $8,000 (from January 2026)
- • Senior worker rates (55-70) continue to increase progressively
- • Annual limit: $37,740 (unchanged)
CPF Contribution Rates 2026 (Singapore Citizens)
| Age Group | Employee Share | Employer Share | Total |
|---|---|---|---|
| 55 and below | 20% | 17% | 37% |
| Above 55 to 60 | 17% | 15% | 32% |
| Above 60 to 65 | 11.5% | 11.5% | 23% |
| Above 65 to 70 | 7.5% | 9% | 16.5% |
| Above 70 | 5% | 7.5% | 12.5% |
Rates apply to wages up to the CPF salary ceiling. Wages above the ceiling do not attract CPF contributions.
CPF Salary Ceiling Timeline
The monthly salary ceiling is the maximum wage amount on which CPF contributions are calculated. The ceiling is being raised progressively.
2024
$6,800
Sep 2025 (past)
$7,400
Jan 2026 (Current)
$8,000
Target
TBD
What This Means For You
If you earn above the salary ceiling, more of your salary now attracts CPF contributions. For someone earning $8,000+, the maximum monthly CPF contribution is now $2,960 (37% of $8,000).
CPF Annual Limit
The CPF Annual Limit is the maximum amount of mandatory and voluntary contributions that can be made to your CPF accounts in a calendar year.
CPF Annual Limit
$37,740
Maximum CPF contributions per year (mandatory + voluntary)
What Counts Towards the Limit?
- ✓ Mandatory employee contributions
- ✓ Mandatory employer contributions
- ✓ Voluntary contributions (VC)
- ✗ Top-ups to SA/RA (separate limit)
- ✗ MediSave top-ups (separate limit)
CPF Rates for Permanent Residents
New PRs have graduated contribution rates for the first 2 years. Employers can choose between full or graduated employer rates.
1st Year PR (Full Employer Rates)
| Age | Employee | Employer | Total |
|---|---|---|---|
| 55 and below | 5% | 17% | 22% |
2nd Year PR (Full Employer Rates)
| Age | Employee | Employer | Total |
|---|---|---|---|
| 55 and below | 15% | 17% | 32% |
From 3rd year onwards, full SC rates apply. Employers may also opt for graduated employer rates (lower in 1st and 2nd year).
Contribution Examples
Example 1: Fresh Graduate (Age 25)
Monthly salary: $4,500
Example 2: Senior Manager (Age 45)
Monthly salary: $12,000 (capped at $8,000)
Sources and further reading
Official sources and references for rules, rates, and schemes discussed on this page. Numbers on this site may be rounded or illustrative; confirm current terms with the relevant agency, CPF Board, insurer, or lender.
- CPF contribution rates Official tables for private sector and related rules. CPF Board — Contribution rates
- Ordinary and additional wages, ceilings Salary ceiling and annual limit definitions. CPF Board — Computing contribution