how many percent is cpf

For most working Singaporeans, CPF is a percentage of your monthly wages, and the exact rate depends mainly on your age and salary band. As of 1 January 2026, here are the full contribution rates (employer + employee) for standard employees earning at least about S$750 a month:

• Age 55 and below: 37% of wages go to CPF (17% from employer, 20% from employee).

• Above 55 to 60: 34% total (16% employer, 18% employee).

• Above 60 to 65: 25% total (12.5% employer, 12.5% employee).

• Above 65 to 70: 16.5% total (9% employer, 7.5% employee).

• Above 70: 12.5% total (7.5% employer, 5% employee).

These rates apply up to the CPF Ordinary Wage ceiling of S$8,000 per month in 2026 and an annual salary ceiling of S$102,000, meaning contributions are only calculated on wages up to those limits.