Calculate your monthly CPF contributions, take-home pay and OA/SA/MediSave allocation. Updated with CPF Board 2026 rates.
✅ Last verified: June 2026 — Source: CPF Board (cpf.gov.sg) official contribution rates
⚡ QUICK ANSWER
On a salary of S$5,000/month in Singapore (Citizen, under 55, 2026), your take-home pay is S$4,000/month after 20% employee CPF (S$1,000). Your employer adds S$850 (17%) to your CPF on top. Total CPF: S$1,850/month split into OA (S$1,150), SA (S$300), MA (S$400). CPF Ordinary Wage ceiling: S$6,800/month from 2026.
🇸🇬 Singapore CPF Contribution Calculator 2026
Take-Home Pay
-
Employee CPF
-
Employer CPF
-
Total CPF
-
CPF Allocation to Accounts
Ordinary (OA)
-
2.5% interest
Special (SA)
-
4% interest
MediSave (MA)
-
4% interest
Full Breakdown
Gross Monthly Salary-
Employee CPF Deduction-
Take-Home Pay-
Employer CPF (not from your salary)-
Total CPF to your accounts-
Final OA Balance
-
Total Contributions
-
Interest Earned
-
📋 CPF Contribution Rates 2026 — By Age Group
For Singapore Citizens and PRs (3rd year onwards). Ordinary Wage ceiling: SGD 6,800/month (from 2026).
Age
Employee %
Employer %
Total %
OA
SA
MA
55 & below
20%
17%
37%
23%
6%
8%
Above 55–60
16%
15.5%
31.5%
16%
4%
11.5%
Above 60–65
10.5%
12%
22.5%
8%
2.5%
12%
Above 65–70
7%
9%
16%
3.5%
1%
11.5%
Above 70
5%
7.5%
12.5%
1%
1%
10.5%
📊 CPF & Take-Home Pay Examples 2026 (Citizen, Under 55)
*CPF capped at S$6,800/month Ordinary Wage ceiling from 2026. Income above S$6,800 not subject to CPF.
💡 CPF Account Interest Rates 2026
Account
Interest Rate
Usage
Ordinary Account (OA)
2.5% p.a.
Housing, education, investment
Special Account (SA)
4% p.a.
Retirement savings
MediSave Account (MA)
4% p.a.
Healthcare & hospitalisation
Bonus Interest
+1% on first S$60,000
Combined OA+SA+MA balance
💡 CPF Tips for Singapore Residents
Your Take-Home = Gross Salary minus Employee CPF
CPF is deducted from your salary before you receive it. On SGD 5,000, you receive SGD 4,000 (20% CPF = SGD 1,000 deducted). Your employer separately contributes 17% to your CPF accounts — this does not reduce your salary.
Ordinary Wage Ceiling SGD 6,800 (2026)
CPF is only calculated on the first SGD 6,800 of your monthly salary from January 2026, up from SGD 6,300. If you earn more than SGD 6,800, the excess is not subject to CPF contributions.
Top Up SA for 4% Interest
Voluntary top-ups to Special Account earn 4% per year — one of the best guaranteed returns in Singapore. First SGD 60,000 across all CPF accounts earns an extra 1% bonus interest.
No Income Tax Below SGD 22,000
Singapore has no income tax on annual income below SGD 22,000. For most middle-income earners, effective tax rates are 7–11.5% after personal reliefs — much lower than the headline rates.
Singapore CPF Calculator — FAQs 2026
How much CPF is deducted from my salary in Singapore?
For employees aged 55 and below, 20% of your gross salary is deducted as employee CPF contribution. Your employer contributes an additional 17% on top. On a SGD 5,000 salary: you take home SGD 4,000 and SGD 1,850 total goes to your CPF accounts (SGD 1,000 from you + SGD 850 from employer).
What is the CPF contribution rate for 2026?
From January 2026, for Singapore Citizens and PRs aged 55 and below: Employee 20% + Employer 17% = Total 37%. Rates decrease with age — 55-60: 31.5% total, 60-65: 22.5%, 65-70: 16%, above 70: 12.5%. The Ordinary Wage ceiling increased to SGD 6,800/month in 2026.
What is take-home pay on SGD 5,000 salary in Singapore?
On a SGD 5,000 gross salary, your take-home pay is SGD 4,000 per month — SGD 1,000 (20%) is deducted as your CPF contribution. Your employer separately adds SGD 850 (17%) to your CPF accounts. If your annual income is below SGD 22,000, you pay zero income tax.
How is CPF allocated to OA, SA and MediSave?
For employees aged 55 and below: of the total 37% CPF, 23% goes to Ordinary Account (OA, earns 2.5%), 6% to Special Account (SA, earns 4%), and 8% to MediSave Account (MA, earns 4%). OA can be used for housing — SA and MA are for retirement and healthcare.
Is there income tax in Singapore?
Yes, but Singapore's income tax is low with a high threshold. No tax is payable below SGD 22,000 annual income. Tax starts at 2% for SGD 20,001–30,000 and goes up to 24% for income above SGD 1,000,000. Most employees pay an effective rate of 4–11% after reliefs.