CPF Calculator for Employees — See Your Take-Home Pay
As an employee in Singapore, a portion of your salary goes to CPF every month. This guide explains exactly how much is deducted, where it goes, and what you take home.
Last updated: July 2026 · All figures based on CPF Board published rates.
✦ Quick Answer
Employee CPF deduction (age ≤55): 20% of gross salary (capped at S$8,000). On S$5,000/month: S$1,000 deducted → S$4,000 take-home. Employer also contributes 17% (S$850) on top.
How Employee CPF Contributions Work
Every month, your employer deducts CPF from your gross salary and adds their own contribution. Both amounts go into your CPF accounts. Here's the breakdown:
| Component | Who Pays | Rate (Age ≤55) | On S$5,000 Salary |
|---|---|---|---|
| Employee (EE) | Deducted from your salary | 20% | S$1,000 |
| Employer (ER) | Paid by employer on top | 17% | S$850 |
| Total CPF | — | 37% | S$1,850 |
Your take-home pay = Gross Salary − Employee CPF = S$5,000 − S$1,000 = S$4,000
Employee CPF Deduction Rates by Age
The employee portion (deducted from your salary) varies by age:
| Age | Employee Deduction | Employer Adds | Total | Take-Home on S$5,000 |
|---|---|---|---|---|
| 55 and below | 20% | 17% | 37% | S$4,000 |
| Above 55 to 60 | 18% | 16% | 34% | S$4,100 |
| Above 60 to 65 | 12.5% | 12.5% | 25% | S$4,375 |
| Above 65 to 70 | 7.5% | 9% | 16.5% | S$4,625 |
| Above 70 | 5% | 7.5% | 12.5% | S$4,750 |
Where Does Your CPF Go?
Your total CPF contribution (employer + employee) is split across three accounts:
| Account | Allocation (Age ≤55) | On S$1,850 Total | Use |
|---|---|---|---|
| OA — Ordinary | 62.17% | S$1,150 | Housing, education, investment |
| SA — Special | 16.21% | S$300 | Retirement, investment |
| MA — Medisave | 21.62% | S$400 | Healthcare, MediShield Life |
Worked Examples for Common Salaries
S$3,000/month — Fresh Graduate
Employee deduction: S$3,000 × 20% = S$600
Employer contribution: S$3,000 × 17% = S$510
Total CPF: S$1,110/month
Take-home pay: S$3,000 − S$600 = S$2,400
CPF allocation:
- OA: S$689 · SA: S$180 · MA: S$241
S$6,500/month — Mid-Career Professional
Employee deduction: S$6,500 × 20% = S$1,300
Employer contribution: S$6,500 × 17% = S$1,105
Total CPF: S$2,405/month
Take-home pay: S$6,500 − S$1,300 = S$5,200
CPF allocation:
- OA: S$1,495 · SA: S$390 · MA: S$520
S$10,000/month — Senior Manager (Above OW Ceiling)
Capped wage: min(S$10,000, S$8,000) = S$8,000
Employee deduction: S$8,000 × 20% = S$1,600
Employer contribution: S$8,000 × 17% = S$1,360
Total CPF: S$2,960/month
Take-home pay: S$10,000 − S$1,600 = S$8,400
Note: CPF is only calculated on the first S$8,000. The remaining S$2,000 has no CPF deduction.
CPF for Permanent Resident (PR) Employees
PR employees have lower CPF deductions in the first two years:
| PR Year | Employee Deduction | Employer Adds | Take-Home on S$5,000 |
|---|---|---|---|
| 1st year | 5% | 4% | S$4,750 |
| 2nd year | 15% | 9% | S$4,250 |
| 3rd year onwards | 20% | 17% | S$4,000 |
Calculate Your Exact CPF & Take-Home Pay
Use our free calculator to see your exact CPF deduction, employer contribution, and take-home pay.
Open Contribution Calculator →Related Guides
- CPF Contribution Calculator
- CPF Contribution Rate 2026 — Full Table
- CPF Salary Ceiling 2026
- CPF for Permanent Residents
- CPF Tax Relief Calculator
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All figures are sourced from the CPF Board. Contribution rates may change — always verify with the official CPF Board website for the most current information.