CPF Take-Home Pay Calculator
See your exact CPF deduction and take-home pay for any salary, age, and residency status.
Monthly gross salary before CPF deduction.
What This Result Means
Your employee CPF contribution is deducted from gross wages. Your employer's CPF contribution is paid on top and does not reduce your cash salary.
Assumptions and Limitations
- •Ordinary Wage (OW) ceiling is $8,000 per month from 1 January 2026.
- •Additional Wages use a separate annual ceiling ($102,000 minus OW subject to CPF for the year).
- •Results are estimates. Actual payroll may differ if earlier wages, leave, back pay or sector-specific rules apply.
- •This calculator does not deduct income tax or other payroll deductions.
How We Calculate This
We apply the official CPF contribution rates published by the Central Provident Fund Board for the selected age band and residency status. The monthly Ordinary Wage is capped at $8,000. The employee share is subtracted from gross wages to produce the take-home pay figure. See our full methodology page for details.
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.
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Reviewed by the CPF Calculator SG editorial team
Last reviewed: 16 August 2026
Rules effective: 1 January 2026