Singapore CPF Calculator 2022
Calculate mandatory CPF contributions for 2022 based on age and wages.
Introduction
🎯 What
Singapore CPF Calculator 2022 calculates mandatory CPF contributions for employees and employers based on monthly wages, age group, and CPF contribution rates applicable in 2022.
👥 Who
Employees working in Singapore, employers calculating payroll CPF, HR staff, and individuals estimating net take-home salary.
💡 Why
To accurately estimate CPF deductions, employer contributions, and net salary using official CPF rules and wage ceilings for 2022.
👤 Employee Details
Includes basic salary and fixed allowances. Ordinary Wage ceiling: S$6,000 (2022).
💵 Contribution Summary
Detailed Calculation Steps
CPF System Overview (2022)
CPF Rates by Age (Citizens & PRs)
| Age Group | Employee | Employer | Total |
|---|---|---|---|
| ≤ 55 Years | 20% | 17% | 37% |
| 55 – 60 Years | 13% | 13% | 26% |
| 60 – 65 Years | 7.5% | 9% | 16.5% |
| > 65 Years | 5% | 7.5% | 12.5% |
Wage Limits & Rules
- ● Ordinary Wage (OW) Ceiling: S$6,000/month (2022). CPF contributions are capped at this salary amount.
- ● Ordinary Wages: Includes basic salary and fixed monthly allowances. Overtime pay is also subject to CPF.
- ● Non-Residents: CPF contributions are not mandatory for foreigners holding Employment Passes or S Passes.
Calculation Examples
Example 1: Under OW Ceiling (Age 30)
Inputs:
- • Gross Salary: S$4,000
- • Age: 30 (≤ 55 group)
Results:
- • Employee CPF (20%): S$800
- • Employer CPF (17%): S$680
- • Net Take-Home: S$3,200
Example 2: Above OW Ceiling (Age 40)
Inputs:
- • Gross Salary: S$8,000
- • Age: 40 (≤ 55 group)
Results (Capped at S$6,000):
- • Capped Salary: S$6,000
- • Employee CPF (20%): S$1,200
- • Employer CPF (17%): S$1,020
- • Total CPF: S$2,220
Frequently Asked Questions
Q: Is CPF mandatory?
A: Yes, CPF contributions are mandatory for all Singapore Citizens and Permanent Residents (PRs) working in Singapore.
Q: What was the wage ceiling in 2022?
A: In 2022, the Ordinary Wage (OW) ceiling was S$6,000 per month. It has since increased in subsequent years.
Q: Is annual bonus included?
A: Bonuses are considered "Additional Wages" (AW). They are subject to CPF but have a separate overall annual ceiling (S$102,000 - Total OW). This calculator focuses on monthly Ordinary Wages.
Q: Did rates change in 2022?
A: CPF rates for employees aged 55 to 70 were different in 2022 compared to 2024/2025. This calculator uses the 2022 specific rates.
Disclaimer: This Singapore CPF Calculator 2022 is for informational and Google AdSense purposes only. CPF rates and ceilings are based on CPF Board guidelines for 2022. Actual payroll CPF may vary due to PR status (e.g. Graduated rates for years 1-3), AW limits, or regulatory updates. ANTIGRAVITY does not provide legal or financial advice.