Singapore CPF Calculator 2025
Calculate mandatory CPF contributions for 2025 based on age and wages.
Introduction
🎯 What
Singapore CPF Calculator 2025 calculates mandatory CPF contributions for employees and employers based on monthly wages, age group, and CPF contribution rates applicable in 2025.
👥 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 2025.
👤 Employee Details
Includes basic salary and fixed allowances. Ordinary Wage ceiling: S$6,800.
💵 Contribution Summary
Detailed Calculation Steps
CPF System Overview (2025)
CPF Rates by Age (Citizens & PRs)
| Age Group | Employee | Employer | Total |
|---|---|---|---|
| ≤ 55 Years | 20% | 17% | 37% |
| 56 – 60 Years | 15% | 15.5% | 30.5% |
| 61 – 65 Years | 9% | 11% | 20% |
| > 65 Years | 5% | 7.5% | 12.5% |
Wage Limits & Rules
- ● Ordinary Wage (OW) Ceiling: S$6,800/month. 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$5,000
- • Age: 30 (≤ 55 group)
Results:
- • Employee CPF (20%): S$1,000
- • Employer CPF (17%): S$850
- • Net Take-Home: S$4,000
Example 2: Above OW Ceiling (Age 40)
Inputs:
- • Gross Salary: S$8,000
- • Age: 40 (≤ 55 group)
Results (Capped at S$6,800):
- • Capped Salary: S$6,800
- • Employee CPF (20%): S$1,360
- • Employer CPF (17%): S$1,156
- • Total CPF: S$2,516
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: Does CPF apply to foreigners?
A: No, CPF is not mandatory for foreigners (Employment Pass, S Pass, Work Permit holders). They are considered non-residents for CPF purposes.
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: Can CPF rates change?
A: Yes, the CPF Board reviews and may revise rates to ensure retirement adequacy. The rates used here are for 2025.
Disclaimer: This Singapore CPF Calculator 2025 is for informational and Google AdSense purposes only. CPF rates and ceilings are based on publicly available CPF Board guidelines for 2025. 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.