How much more CPF will I pay in 2027?

Above 55–60, the employee rate rises by 1 percentage point; above 60–65, it rises by 0.5 point.

How much more will employers pay?

The employer rate rises by 0.5 percentage point for both affected age bands.

Why does my result show no change?

You may be in an age band whose full contribution rate is unchanged, or your wages may be limited by a ceiling.

Does this comparison include tax?

No. Take-home means after employee CPF and before income tax or other deductions.

CPF Rates 2026 vs 2027

See how the 2027 CPF rate changes affect your take-home pay, employer cost, and account allocation.

verifiedUpdated for 2026

Age

Residency

Ordinary Wages (OW) / month

Capped at $8,000/month.

Additional Wages (AW)

Bonuses, allowances. Annual AW cap: $102,000 minus YTD OW.

Full contribution rates by age band

Age Band	2026 Total	2027 Total	Change
≤ 55	37%	37%	No change
> 55–60	34%	35.5%	+0.5pt ER, +1pt EE
> 60–65	25%	26%	+0.5pt each
> 65–70	16.5%	16.5%	No change
> 70	12.5%	12.5%	No change

What This Result Means

The 2027 increase affects employees above 55 to 60 and above 60 to 65. At other ages, the published full contribution rates are unchanged, although retirement sums and some allocation ratios may still differ.

Assumptions and Limitations

•Uses official 2026 and 2027 CPF rates.
•Both years use the same OW ceiling of $8,000 and AW ceiling of $102,000.
•Comparison is for the same month's wages only.
•Does not compare retirement sums or CPF LIFE differences.

How We Calculate This

Each year's contribution is calculated using the full CPF engine with the official rates, allocation tables, and ceiling rules for that policy year. The engine applies rounding and low-wage rules to produce whole-dollar results. The difference column shows the 2027 value minus the 2026 value.

Learn more about our methodology →

CPF Calculator SG is an independent planning tool and is not affiliated with or endorsed by the Central Provident Fund Board, IRAS or the Singapore Government. Results are estimates based on the inputs and policy data shown. For payroll, tax filing or retirement decisions, verify the result with the relevant official service.