Singapore CPF Contribution & Net Take-Home Pay Calculator (2026)
Calculate 2026 Singapore CPF contributions for Citizen and PR, S$8,000 Ordinary Wage ceiling, Additional Wage bonus cap, and OA/SA/MediSave distribution.
Calculate 2026 Singapore CPF contributions for Citizen and PR, S$8,000 Ordinary Wage ceiling, Additional Wage bonus cap, and OA/SA/MediSave distribution.
Calculate 2026 Singapore CPF contributions for Citizen and PR, S$8,000 Ordinary Wage ceiling, Additional Wage bonus cap, and OA/SA/MediSave distribution. Calculate exact, penny-accurate projections compliant with 2026 CPFB • IRAS • Monetary Authority of Singapore (MAS) • HDB standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
Official CPFB 2026 wage ceilings and progressive age tiers
Housing, investment & tertiary education
Retirement savings & compound growth
Hospitalisation & MediShield Life
OW_{CPF} = \min(OW, \$8,000) \\
AW_{Cap} = \max(0, \$102,000 - 12 \times OW_{CPF}) \\
Total\ CPF = (OW_{CPF} \times Rate_{Total}) + (\min(AW, AW_{Cap}) \times Rate_{Total}) \\
Net\ Pay = Gross\ Wage - Employee\ CPFUnder the latest 2026 CPFB guidelines, the monthly Ordinary Wage (OW) ceiling is S$8,000, and the total annual wage ceiling is S$102,000. For citizens aged ≤55, the employee contributes 20% and employer contributes 17% (Total 37%), which is systematically allocated across OA (23%), SA (6%), and MA (8%).
Pre-calculated MAS, CPFB, IRAS & HDB benchmark tables across Singapore rates and tiers.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual CPF interest rates, ABSD criteria, COE prices, and bank mortgage rates may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a MAS-licensed financial adviser or IRAS/CPF officer prior to executing financial commitments.
As of 2026, the CPF Ordinary Wage (OW) monthly ceiling is S$8,000 (having stepped up progressively from $6,000 in 2023, $6,800 in 2024, and $7,400 in 2025).
The Additional Wage (AW) ceiling is computed as: S$102,000 − (12 × monthly OW subject to CPF). Any bonus exceeding this cap is exempt from CPF contributions, meaning 100% of the excess bonus goes directly into your take-home pay.
First-year Singapore PRs contribute 5% (employer: 4%, total: 9%). Second-year PRs contribute 15% (employer: 9%, total: 24%). From Year 3 onwards, PRs contribute at full citizen rates (e.g. 20% employee + 17% employer for age ≤55).
Estimate lifelong monthly retirement payouts under Singapore CPF LIFE based on age 55 RA savings (BRS $106.5k, FRS $213k, ERS $426k) and plan choice.
Calculate guaranteed compound growth across OA (2.5%), SA/MA (4.05%), and extra 1% to 2% tiered government interest for up to 30 years.
Calculate mandatory CPF housing refunds (Principal + 2.5% compound accrued interest), mortgage payoff, and net cash proceeds upon property sale.