Calculate your take-home pay.
Gross pay minus your CPF contribution.
S$/month
months
Take-home pay
S$4,800
- Employee CPF
- S$1,200
- Employer CPF
- S$1,020
- Bonus take-home
- S$9,600
- Employee CPF on bonus
- S$2,400
- Employer CPF on bonus
- S$2,040
CPF allocation
- Ordinary Account (OA)
- S$1,380
- Special Account (SA)
- S$360
- MediSave (MA)
- S$480
Assumptions
- 2026 CPF contribution rates
- Ordinary Wage ceiling of S$8,000 a month
- Lower rates above age 55, 60, 65 and 70
- Citizens, and permanent residents from their third year
- Bonus levied CPF up to the Additional Wage ceiling
Source: CPF Board, 2026 rates
Frequently asked questions
- How much CPF is taken from my salary in Singapore?
- 20% from the employee, and 17% more from the employer, for employees aged 55 and below, according to the CPF Board. Both apply up to the S$8,000 Ordinary Wage ceiling and step down above 55, 60, 65 and 70.
- Is take-home pay the same as net pay after tax?
- No. Take-home pay is gross pay minus employee CPF, and IRAS assesses income tax separately once a year.
- Does the employer contribution come out of my pay?
- No. The employer pays it on top of gross pay, into the same CPF accounts.
- Do foreigners pay CPF?
- No. CPF applies only to Singapore citizens and permanent residents, so a foreigner's take-home pay is their gross pay.
- How is CPF calculated on a bonus?
- A bonus is an Additional Wage, with a yearly ceiling of S$102,000 minus the Ordinary Wages that attracted CPF that year. The same contribution rates apply.
Plan your retirement in Pocket.
Start with your income, spending, savings rate, and runway. Cashmere turns them into a FIRE timeline. Fourteen days free, no bank login required.
Read along instead.
Read our guides to money in Singapore in the Cashmere Newsletter.