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Take-Home Pay & CPF Calculator

See exactly how much CPF comes out of your pay, where it goes, and what you actually take home, using the current official CPF Board rates.

Your details

Optional. CPF is also deducted from bonuses, up to a separate yearly cap

Your breakdown

Monthly (salary only)
CPF deducted from your pay
Take-home pay
What actually lands in your account
Employer also contributes
Doesn't come out of your pay, but goes into your CPF
Annual total (including bonus)
Total CPF into your accounts
Employee + employer, for the full year
Split across OA / SA / MA
This covers CPF only, not income tax. Actual take-home pay after tax will be lower for most incomes. CPF rates and wage ceilings reflect CPF Board's tables effective 1 January 2026, the current revision at time of writing. CPF Board updates these periodically, so verify at cpf.gov.sg if you're relying on this for anything important. This is not financial advice.

How this is calculated

CPF contributions are calculated on your Ordinary Wages (your regular monthly salary, capped at $8,000/month) and, separately, on your Additional Wages (bonuses and AWS, capped at a yearly ceiling that shrinks the more Ordinary Wage contributions you've already made that year).

Only the employee's share is deducted from your pay. The employer's share is on top, paid by your employer directly into your CPF accounts, and never touches your payslip. Both the contribution rates and the OA/SA/MA allocation ratios change with age, and reflect CPF Board's tables effective 1 January 2026, sourced directly from CPF Board's own published documents rather than third-party summaries.

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