For Singapore in 2026, CPF contributions depend on your age and wage, but the most common full rate for employees aged 55 and below is 37% of wages up to 8,000 SGD a month , shared between employer and employee.

Key CPF contribution rates (from 1 Jan 2026)

For employees who are Singapore Citizens or PR (full rates, not phased-in), on ordinary wages up to 8,000 SGD/month (the 2026 Ordinary Wage ceiling):

  • Age 55 and below: 37% total (usually 20% employee, 17% employer).
  • Above 55 to 60: 29.5% total (increase from 2025).
  • Above 60 to 65: 25% total (12.5% employer + 12.5% employee).
  • Above 65 to 70: 16.5% total.
  • Above 70: 12.5% total.

The monthly Ordinary Wage ceiling is 8,000 SGD in 2026 (up from 7,400 in 2025 and 6,800 in 2024), meaning CPF is only computed on the first 8,000 SGD of your monthly wages. There is also a 102,000 SGD annual salary ceiling for total CPF-liable wages (ordinary + additional) in a year.

Simple illustration

For someone aged 55 and below earning a fixed 8,000 SGD/month in 2026:

  • Total CPF = 34–37% depending on exact rate table; example from payroll guide uses 34% :
    • Employer: 16% of 8,000 = 1,280 SGD.
* Employee: **18% of 8,000 = 1,440 SGD**.

* Total CPF: **2,720 SGD/month** , so take-home pay drops by about 1,440 SGD.

Different official tables may show slightly different splits as rates are stepped up over the years, so always check the latest CPF Board table for your exact age and wages.

HTML table: main 2026 CPF rates (summary)

html

<table>
  <thead>
    <tr>
      <th>Age band (years)</th>
      <th>Monthly OW ceiling (2026)</th>
      <th>Typical employer rate</th>
      <th>Typical employee rate</th>
      <th>Total CPF rate</th>
    </tr>
  </thead>
  <tbody>
    <tr>
      <td>≤ 55</td>
      <td>S$8,000[web:3][web:5]</td>
      <td>≈ 17%[web:1][web:9]</td>
      <td>≈ 20%[web:1][web:9]</td>
      <td>≈ 37%[web:1][web:9]</td>
    </tr>
    <tr>
      <td>Above 55 to 60</td>
      <td>S$8,000[web:3][web:5]</td>
      <td>—</td>
      <td>—</td>
      <td>29.5% total (after 1.5% increase)[web:5][web:9]</td>
    </tr>
    <tr>
      <td>Above 60 to 65</td>
      <td>S$8,000[web:3][web:5]</td>
      <td>12.5%[web:1][web:5][web:7]</td>
      <td>12.5%[web:1][web:5][web:7]</td>
      <td>25%[web:1][web:5][web:7]</td>
    </tr>
    <tr>
      <td>Above 65 to 70</td>
      <td>S$8,000[web:3][web:5]</td>
      <td>9%[web:5]</td>
      <td>7.5%[web:5]</td>
      <td>16.5%[web:5]</td>
    </tr>
    <tr>
      <td>Above 70</td>
      <td>S$8,000[web:3][web:5]</td>
      <td>7.5%[web:5]</td>
      <td>5%[web:5]</td>
      <td>12.5%[web:5]</td>
    </tr>
  </tbody>
</table>

Information gathered from public forums or data available on the internet and portrayed here.