CPF PR Contribution Calculator
SPR graduated and full rates · 2026
Age determines the applicable contribution rate band.
Monthly gross salary before CPF deduction.
Bonuses, commissions, etc. Default 0.
What This Result Means
SPR contribution rates usually increase over the first two years. The result depends on the SPR year, age, wage band and whether graduated or full rates apply.
Assumptions and Limitations
- •Uses CPF rules effective 1 January 2026.
- •PR rates depend on SPR year and contribution arrangement (G/G, F/G, F/F).
- •From the 3rd year, full citizen rates apply.
- •Low-wage formulas apply at $50 or below, $50-$500, and $500-$750.
How We Calculate This
The calculator applies the SPR graduated or full rate table for the selected year and arrangement. Rates are looked up by age band. The three-band low-wage formula is applied for wages of $750 or below.
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.
Frequently Asked Questions
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Reviewed by the CPF Calculator SG editorial team
Last reviewed: 16 August 2026
Rules effective: 1 January 2026