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rates)","permanentResidentYear2FullEmployer","$",[1145,1174,1189,1206,1223],{"_key":1146,"_type":1147,"ageBands":1148,"key":1085},"table-fullRates","cpfContributionTable",[1149,1156,1161,1166,1171],{"_key":1150,"_type":1151,"employeePercentage":1152,"maximumAge":1153,"minimumAge":1154,"totalPercentage":1155},"fullRates-band-0","cpfAgeRateBand",20,55,0,37,{"_key":1157,"_type":1151,"employeePercentage":1158,"maximumAge":1159,"minimumAge":1153,"totalPercentage":1160},"fullRates-band-1",18,60,34,{"_key":1162,"_type":1151,"employeePercentage":1163,"maximumAge":1164,"minimumAge":1159,"totalPercentage":1165},"fullRates-band-2",12.5,65,25,{"_key":1167,"_type":1151,"employeePercentage":1168,"maximumAge":1169,"minimumAge":1164,"totalPercentage":1170},"fullRates-band-3",7.5,70,16.5,{"_key":1172,"_type":1151,"employeePercentage":1173,"minimumAge":1169,"totalPercentage":1163},"fullRates-band-4",5,{"_key":1175,"_type":1147,"ageBands":1176,"key":1106},"table-year1Graduated",[1177,1180,1182,1185,1187],{"_key":1178,"_type":1151,"employeePercentage":1173,"maximumAge":1153,"minimumAge":1154,"totalPercentage":1179},"year1Graduated-band-0",9,{"_key":1181,"_type":1151,"employeePercentage":1173,"maximumAge":1159,"minimumAge":1153,"totalPercentage":1179},"year1Graduated-band-1",{"_key":1183,"_type":1151,"employeePercentage":1173,"maximumAge":1164,"minimumAge":1159,"totalPercentage":1184},"year1Graduated-band-2",8.5,{"_key":1186,"_type":1151,"employeePercentage":1173,"maximumAge":1169,"minimumAge":1164,"totalPercentage":1184},"year1Graduated-band-3",{"_key":1188,"_type":1151,"employeePercentage":1173,"minimumAge":1169,"totalPercentage":1184},"year1Graduated-band-4",{"_key":1190,"_type":1147,"ageBands":1191,"key":1117},"table-year1FullEmployer",[1192,1195,1198,1201,1204],{"_key":1193,"_type":1151,"employeePercentage":1173,"maximumAge":1153,"minimumAge":1154,"totalPercentage":1194},"year1FullEmployer-band-0",22,{"_key":1196,"_type":1151,"employeePercentage":1173,"maximumAge":1159,"minimumAge":1153,"totalPercentage":1197},"year1FullEmployer-band-1",21,{"_key":1199,"_type":1151,"employeePercentage":1173,"maximumAge":1164,"minimumAge":1159,"totalPercentage":1200},"year1FullEmployer-band-2",17.5,{"_key":1202,"_type":1151,"employeePercentage":1173,"maximumAge":1169,"minimumAge":1164,"totalPercentage":1203},"year1FullEmployer-band-3",14,{"_key":1205,"_type":1151,"employeePercentage":1173,"minimumAge":1169,"totalPercentage":1163},"year1FullEmployer-band-4",{"_key":1207,"_type":1147,"ageBands":1208,"key":1126},"table-year2Graduated",[1209,1213,1216,1219,1221],{"_key":1210,"_type":1151,"employeePercentage":1211,"maximumAge":1153,"minimumAge":1154,"totalPercentage":1212},"year2Graduated-band-0",15,24,{"_key":1214,"_type":1151,"employeePercentage":1163,"maximumAge":1159,"minimumAge":1153,"totalPercentage":1215},"year2Graduated-band-1",18.5,{"_key":1217,"_type":1151,"employeePercentage":1168,"maximumAge":1164,"minimumAge":1159,"totalPercentage":1218},"year2Graduated-band-2",11,{"_key":1220,"_type":1151,"employeePercentage":1173,"maximumAge":1169,"minimumAge":1164,"totalPercentage":1184},"year2Graduated-band-3",{"_key":1222,"_type":1151,"employeePercentage":1173,"minimumAge":1169,"totalPercentage":1184},"year2Graduated-band-4",{"_key":1224,"_type":1147,"ageBands":1225,"key":1137},"table-year2FullEmployer",[1226,1229,1232,1234,1236],{"_key":1227,"_type":1151,"employeePercentage":1211,"maximumAge":1153,"minimumAge":1154,"totalPercentage":1228},"year2FullEmployer-band-0",32,{"_key":1230,"_type":1151,"employeePercentage":1163,"maximumAge":1159,"minimumAge":1153,"totalPercentage":1231},"year2FullEmployer-band-1",28.5,{"_key":1233,"_type":1151,"employeePercentage":1168,"maximumAge":1164,"minimumAge":1159,"totalPercentage":1152},"year2FullEmployer-band-2",{"_key":1235,"_type":1151,"employeePercentage":1173,"maximumAge":1169,"minimumAge":1164,"totalPercentage":1203},"year2FullEmployer-band-3",{"_key":1237,"_type":1151,"employeePercentage":1173,"minimumAge":1169,"totalPercentage":1163},"year2FullEmployer-band-4",{"defaultEmployeeName":1239,"employeeUnitPlural":1240,"employeeUnitSingular":1241,"exportColumnHeaders":1242,"exportEmptyMessage":1255,"exportFileNamePrefix":1256,"exportLabel":1257,"exportSuccessMessage":1258,"exportTotalRowLabel":1259,"importAgeOutOfRangeMessage":1260,"importEmptyFileMessage":1261,"importHeaderMismatchMessage":1262,"importInvalidWageMessage":1263,"importLabel":1264,"importNoValidRowsMessage":1265,"importPartialMessage":1266,"importSuccessMessage":1267,"importUnknownStatusMessage":1268,"numberedEmployeeName":1269,"resetLabel":1270,"rowUnitPlural":1271,"rowUnitSingular":1272,"templateColumnHeaders":1273,"templateFileName":1280,"templateLabel":1281,"templateNotes":1282,"templateRows":1285},"Employee","employees","employee",{"_type":1243,"additionalWage":1244,"age":1245,"citizenshipStatus":1246,"employeeContribution":1247,"employerContribution":1248,"name":1239,"ordinaryWage":1249,"selfHelpGroupContribution":1250,"selfHelpGroupFund":1251,"skillsDevelopmentLevy":1252,"takeHomePay":1253,"totalCost":1254},"cpfPayrollColumnLabels","Bonus (SGD)","Age","Status","Employee CPF (SGD)","Employer CPF (SGD)","Salary (SGD)","SHG (SGD)","SHG fund","SDL (SGD)","Take-home (SGD)","Total cost (SGD)","Add at least one employee before downloading results","cpf-calculator-results","Download results as CSV","Results downloaded for {count} {unit}","TOTAL","An age falls outside the range this calculator accepts, so that row was skipped","The file looks empty. Download the template to see the expected format","The columns don't match the template. Download the CSV template and fill that in, keeping its first row as it is","A salary or bonus could not be read as a number, so that row was skipped","Import CSV","No valid rows found. Check that each row has a status, age, and salary, or download the template to see the expected format","Imported {count} {unit}, skipped {skippedCount} {skippedUnit} with missing or invalid status, age, or salary","Imported {count} {unit}","A citizenship status was not recognised, so that row was skipped. Use citizen, pr3, pr1_gg, pr1_fg, pr2_gg, or pr2_fg","Employee {index}","Reset","rows","row",{"additionalWage":1274,"age":1275,"citizenshipStatus":1276,"name":1277,"ordinaryWage":1278,"selfHelpGroupFund":1279},"bonus","age","status","name","salary","shg","aspire-cpf-calculator-template.csv","Download CSV template",[1283,1284],"status options: citizen | pr3 | pr1_gg | pr1_fg | pr2_gg | pr2_fg","shg options: none | cdac | ecf | mbmf | sinda",[1286,1291,1296,1301,1306],{"_key":1287,"_type":1288,"additionalWage":1154,"age":1228,"citizenshipStatusValue":1087,"name":1289,"ordinaryWage":1290},"template-row-1","cpfSampleEmployee","Alex Tan",5500,{"_key":1292,"_type":1288,"additionalWage":1154,"age":1293,"citizenshipStatusValue":1102,"name":1294,"ordinaryWage":1295},"template-row-2",45,"Priya Nair",8500,{"_key":1297,"_type":1288,"additionalWage":1154,"age":1298,"citizenshipStatusValue":1087,"name":1299,"ordinaryWage":1300},"template-row-3",58,"Wei Ming",4200,{"_key":1302,"_type":1288,"additionalWage":1154,"age":1303,"citizenshipStatusValue":1113,"name":1304,"ordinaryWage":1305},"template-row-4",27,"Sarah Lim",3800,{"_key":1307,"_type":1288,"additionalWage":1308,"age":1309,"citizenshipStatusValue":1087,"name":1310,"ordinaryWage":1311},"template-row-5",1000,39,"Daniel Ong",6200,"SGD $","team","Last updated: July 2026 | Rates verified against CPF Board contribution tables effective 1 Jan 2026. This calculator gives estimates for guidance only and doesn't constitute tax, legal, or financial advice. For submissions, use CPF EZPay or verify with the CPF Board's official calculator.",{"maximumAge":1316,"minimumAge":1317,"wageStep":1318},99,16,50,"en-SG","Calculator mode","We have no published contribution rates for this employee. Check the age and citizenship status, or see the CPF Board tables","small",[1324,1351,1379,1408],{"_key":1325,"_type":1326,"bands":1327,"importAliases":1348,"key":1349,"label":1350},"fund-cdac","cpfSelfHelpGroupFund",[1328,1333,1337,1341,1345],{"_key":1329,"_type":1330,"amount":1331,"maximumWage":1332,"minimumWage":1154},"cdac-band-0","cpfWageBand",0.5,2000,{"_key":1334,"_type":1330,"amount":1335,"maximumWage":1336,"minimumWage":1332},"cdac-band-1",1,3500,{"_key":1338,"_type":1330,"amount":1339,"maximumWage":1340,"minimumWage":1336},"cdac-band-2",1.5,5000,{"_key":1342,"_type":1330,"amount":1343,"maximumWage":1344,"minimumWage":1340},"cdac-band-3",2,7500,{"_key":1346,"_type":1330,"amount":1347,"minimumWage":1344},"cdac-band-4",3,[1349],"cdac","CDAC",{"_key":1352,"_type":1326,"bands":1353,"importAliases":1376,"key":1377,"label":1378},"fund-ecf",[1354,1356,1360,1364,1367,1371,1374],{"_key":1355,"_type":1330,"amount":1343,"maximumWage":1308,"minimumWage":1154},"ecf-band-0",{"_key":1357,"_type":1330,"amount":1358,"maximumWage":1359,"minimumWage":1308},"ecf-band-1",4,1500,{"_key":1361,"_type":1330,"amount":1362,"maximumWage":1363,"minimumWage":1359},"ecf-band-2",6,2500,{"_key":1365,"_type":1330,"amount":1179,"maximumWage":1366,"minimumWage":1363},"ecf-band-3",4000,{"_key":1368,"_type":1330,"amount":1369,"maximumWage":1370,"minimumWage":1366},"ecf-band-4",12,7000,{"_key":1372,"_type":1330,"amount":1317,"maximumWage":1373,"minimumWage":1370},"ecf-band-5",10000,{"_key":1375,"_type":1330,"amount":1152,"minimumWage":1373},"ecf-band-6",[1377],"ecf","ECF",{"_key":1380,"_type":1326,"bands":1381,"importAliases":1404,"key":1405,"label":1407},"fund-mbmf",[1382,1384,1386,1390,1392,1396,1399,1401],{"_key":1383,"_type":1330,"amount":1347,"maximumWage":1308,"minimumWage":1154},"mbmf-band-0",{"_key":1385,"_type":1330,"amount":281,"maximumWage":1332,"minimumWage":1308},"mbmf-band-1",{"_key":1387,"_type":1330,"amount":1388,"maximumWage":1389,"minimumWage":1332},"mbmf-band-2",6.5,3000,{"_key":1391,"_type":1330,"amount":1211,"maximumWage":1366,"minimumWage":1389},"mbmf-band-3",{"_key":1393,"_type":1330,"amount":1394,"maximumWage":1395,"minimumWage":1366},"mbmf-band-4",19.5,6000,{"_key":1397,"_type":1330,"amount":1194,"maximumWage":1398,"minimumWage":1395},"mbmf-band-5",8000,{"_key":1400,"_type":1330,"amount":1212,"maximumWage":1373,"minimumWage":1398},"mbmf-band-6",{"_key":1402,"_type":1330,"amount":1403,"minimumWage":1373},"mbmf-band-7",26,[1405,1406],"mbmf","mendaki","MBMF",{"_key":1409,"_type":1326,"bands":1410,"importAliases":1431,"key":1432,"label":1433},"fund-sinda",[1411,1413,1415,1417,1421,1423,1425,1428],{"_key":1412,"_type":1330,"amount":1335,"maximumWage":1308,"minimumWage":1154},"sinda-band-0",{"_key":1414,"_type":1330,"amount":1347,"maximumWage":1359,"minimumWage":1308},"sinda-band-1",{"_key":1416,"_type":1330,"amount":1173,"maximumWage":1363,"minimumWage":1359},"sinda-band-2",{"_key":1418,"_type":1330,"amount":1419,"maximumWage":1420,"minimumWage":1363},"sinda-band-3",7,4500,{"_key":1422,"_type":1330,"amount":1179,"maximumWage":1344,"minimumWage":1420},"sinda-band-4",{"_key":1424,"_type":1330,"amount":1369,"maximumWage":1373,"minimumWage":1344},"sinda-band-5",{"_key":1426,"_type":1330,"amount":1158,"maximumWage":1427,"minimumWage":1373},"sinda-band-6",15000,{"_key":1429,"_type":1330,"amount":1430,"minimumWage":1427},"sinda-band-7",30,[1432],"sinda","SINDA",[668,1435,1436,1437,1438],"nil","na","n\u002Fa","-","None",{"additionalWageHint":1441,"additionalWageLabel":1442,"ageLabel":1245,"appliedRatesLabel":1443,"appliedRatesText":1444,"cardTitle":1445,"citizenshipStatusHint":1446,"citizenshipStatusLabel":1447,"defaults":1448,"employeeContributionLabel":1449,"employerContributionLabel":1450,"employerCostLabel":1451,"grossWagesLabel":1452,"includeLevyLabel":1453,"isLevyIncludedByDefault":141,"ordinaryWageHint":1454,"ordinaryWageLabel":1455,"requiredFieldHint":1456,"requiredFieldsLegend":1457,"resultsTitle":1458,"selfHelpGroupContributionLabel":1459,"selfHelpGroupLabel":1251,"skillsDevelopmentLevyLabel":1460,"switchToTeamLinkLabel":1461,"switchToTeamText":1462,"takeHomePayLabel":1463,"totalContributionLabel":1464},"One-off payments such as annual bonus, leave pay, or incentives. Subject to the annual additional wage ceiling","Bonus or commission this month, in SGD (additional wages)","Applied rates","{employerRate}% employer + {employeeRate}% employee","Employee details","Graduated rates apply by default for 1st and 2nd year PRs. Full employer rates apply only after a joint application is approved by the CPF Board","Citizenship status",{"_type":1288,"additionalWage":1154,"age":1430,"citizenshipStatusValue":1087,"ordinaryWage":1340},"Employee CPF contribution","Employer CPF contribution","Total cost to employer","Gross wages","Include Skills Development Levy (payable for every employee)","Wages due wholly for the month, such as basic salary and fixed allowances. CPF applies to the first SGD $8,000","Monthly salary, in SGD (ordinary wages)","Required to work out the contribution","Fields marked * are required, everything else is optional","Monthly breakdown","SHG contribution","Skills Development Levy","Switch to team payroll","Paying more than one employee? {link} and see your full monthly payroll cost","Employee take-home pay","Total CPF payable to CPF Board","Single employee",{"maximumAmount":1467,"minimumAmount":1343,"percentage":1468},11.25,0.25,{"addEmployeeLabel":1470,"columnHeaders":1471,"employeeCountLabel":1478,"namePlaceholder":1479,"netSalariesLabel":1480,"removeRowLabel":1481,"requiredFieldsLegend":1457,"resultsTitle":1482,"sampleRows":1483,"statutoryPayableLabel":1499,"totalCostLabel":1500,"totalEmployeeContributionLabel":1501,"totalEmployerContributionLabel":1502,"totalSelfHelpGroupLabel":1503,"totalSkillsDevelopmentLevyLabel":1504,"transfersLink":1505,"transfersText":1508},"Add employee",{"_type":1243,"additionalWage":1244,"age":1245,"citizenshipStatus":1447,"employeeContribution":1472,"employerContribution":1473,"name":1239,"ordinaryWage":1249,"selfHelpGroupContribution":1474,"selfHelpGroupFund":1474,"skillsDevelopmentLevy":1475,"takeHomePay":1476,"totalCost":1477},"Employee CPF","Employer CPF","SHG","SDL","Take-home","Total cost","Employees","Name","Net salaries to pay out","Remove","Your monthly payroll run",[1484,1487,1490,1493,1496],{"_key":1485,"_type":1288,"additionalWage":1154,"age":1228,"citizenshipStatusValue":1087,"name":1486,"ordinaryWage":1290},"team-row-1","Employee 1",{"_key":1488,"_type":1288,"additionalWage":1154,"age":1293,"citizenshipStatusValue":1087,"name":1489,"ordinaryWage":1295},"team-row-2","Employee 2",{"_key":1491,"_type":1288,"additionalWage":1154,"age":1298,"citizenshipStatusValue":1087,"name":1492,"ordinaryWage":1300},"team-row-3","Employee 3",{"_key":1494,"_type":1288,"additionalWage":1154,"age":1303,"citizenshipStatusValue":1113,"name":1495,"ordinaryWage":1305},"team-row-4","Employee 4",{"_key":1497,"_type":1288,"additionalWage":1308,"age":1309,"citizenshipStatusValue":1087,"name":1498,"ordinaryWage":1311},"team-row-5","Employee 5","CPF, SDL, and SHG payable","Total payroll cost","Total employee CPF (deducted from wages)","Total employer CPF","Total SHG contributions","Total Skills Development Levy",{"_type":143,"externalUrl":1506,"label":1507,"linkType":145,"openInNewTab":141},"\u002Fuse-case\u002Fpayroll?utm_source=cpf_calculator&utm_medium=tools&utm_campaign=payroll","Pay them all in one batch with Aspire","That's {count} individual salary transfers every month. {link}","Team payroll",{"additionalWageAnnualCeiling":1511,"employerOnlyCeiling":1512,"exemptCeiling":1318,"fullRateThreshold":1513,"ordinaryWageCeiling":1398},102000,500,750,{"_key":1515,"_type":1516,"body":1517},"what-this-calculator-does","richTextSection",[1518,1526,1534],{"_key":1519,"_type":170,"children":1520,"markDefs":1525,"style":190},"intro-obligation",[1521],{"_key":1522,"_type":174,"marks":1523,"text":1524},"intro-obligation-0",[],"Every salary you pay in Singapore to an employee who is a Singapore citizen or a PR comes with statutory contributions attached, and getting them wrong costs you late payment interest, employee trust, or both. This free employer CPF contribution calculator works out exactly what you owe for every employee: your employer CPF share, the employee's share to deduct, the Skills Development Levy, and self-help group contributions, all updated for the rates that took effect on 1 Jan 2026.",[],{"_key":1527,"_type":170,"children":1528,"markDefs":1533,"style":190},"intro-modes",[1529],{"_key":1530,"_type":174,"marks":1531,"text":1532},"intro-modes-0",[],"Calculate for one employee or your whole team at once. Add employees line by line or import your payroll list as a CSV, and the calculator shows your total monthly payroll cost, total CPF payable to the CPF Board, and the net salaries you need to pay out.",[],{"_key":1535,"_type":170,"children":1536,"markDefs":1541,"style":190},"intro-privacy",[1537],{"_key":1538,"_type":174,"marks":1539,"text":1540},"intro-privacy-0",[],"No sign-up, no download. Your figures stay in your browser and are never stored or sent anywhere.",[],{"_key":1543,"_type":1544,"background":1545,"headerWidth":1546,"heading":1547,"intro":1548,"note":1549,"noteStyle":1568,"stepAppearance":1569,"stepLayout":1570,"steps":1571,"stepsSpacing":1596},"how-to-use-the-employer-cpf-contribution-calculator","processSteps","grey-1","full","How to use the employer CPF contribution calculator","The calculator has two modes. Team payroll shows your full monthly payroll run, and single employee gives you a detailed breakdown for one person.",[1550],{"_key":1551,"_type":170,"children":1552,"markDefs":1565,"style":190},"bulk-import-note",[1553,1557,1562],{"_key":1554,"_type":174,"marks":1555,"text":1556},"bulk-import-note-0",[],"For a bigger team, click Download CSV template, fill in your employee list, and import it. The calculator builds your full payroll view in seconds, which is the same file-upload logic you'd use to pay everyone through ",{"_key":1558,"_type":174,"marks":1559,"text":1561},"bulk-import-note-1",[1560],"bulk-import-note-link-1","bulk payments",{"_key":1563,"_type":174,"marks":1564,"text":185},"bulk-import-note-2",[],[1566],{"_key":1560,"_type":188,"externalUrl":1567,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fbulk-payments","plain","numbered-circle","stack",[1572,1576,1580,1584,1588,1592],{"_key":1573,"body":1574,"label":1575},"step-mode","Team payroll opens by default with sample employees you can edit or remove.","Choose your mode.",{"_key":1577,"body":1578,"label":1579},"step-status","Choose Singapore Citizen, PR from the 3rd year onwards, or 1st and 2nd year PR at graduated or full employer rates.","Set each employee's citizenship status.",{"_key":1581,"body":1582,"label":1583},"step-age-and-salary","CPF rates change with age, so both fields matter. Salary here means ordinary wages: basic pay plus fixed monthly allowances.","Enter age and monthly salary.",{"_key":1585,"body":1586,"label":1587},"step-bonus","These count as additional wages and are subject to a separate annual ceiling.","Add bonuses or commissions if you're paying any this month.",{"_key":1589,"body":1590,"label":1591},"step-fund","CDAC, ECF, MBMF, or SINDA contributions are deducted from the employee's wages based on the published tables.","Select an SHG fund if it applies.",{"_key":1593,"body":1594,"label":1595},"step-results","For each employee you'll see the employer CPF contribution, employee CPF deduction, SDL, SHG amount, take-home pay, and total cost to you. The summary shows your whole payroll run.","Read your results.","compact",{"_key":1598,"_type":1516,"body":1599,"heading":1901},"cpf-contribution-rates-for-2026",[1600,1608,1859,1868,1877,1885,1893],{"_key":1601,"_type":170,"children":1602,"markDefs":1607,"style":190},"rates-intro",[1603],{"_key":1604,"_type":174,"marks":1605,"text":1606},"rates-intro-0",[],"The calculator applies the official CPF Board rate tables that took effect on 1 Jan 2026, so it works as a cpf contribution rate calculator as well. For Singapore Citizens and PRs from their 3rd year onwards, earning more than SGD $750 a month, the rates are:",[],{"_key":1609,"_type":1610,"columnHeaders":1611,"hasColumnTitles":141,"hasRowTitles":152,"rows":1625},"rates-table","richTableBlock",[1612,1616,1619,1622],{"_key":1613,"_type":1614,"cellIndex":1154,"title":1615},"rates-table-header-0","columnHeader","Employee's age",{"_key":1617,"_type":1614,"cellIndex":1335,"title":1618},"rates-table-header-1","Employer share",{"_key":1620,"_type":1614,"cellIndex":1343,"title":1621},"rates-table-header-2","Employee share",{"_key":1623,"_type":1614,"cellIndex":1347,"title":1624},"rates-table-header-3","Total",[1626,1674,1721,1767,1814],{"_key":1627,"_type":1272,"cells":1628},"rates-table-row-0",[1629,1641,1652,1663],{"_key":1630,"_type":1631,"content":1632},"rates-table-cell-0-0","richTableCell",[1633],{"_key":1634,"_type":170,"children":1635,"markDefs":1640,"style":190},"rates-table-cell-block-0-0",[1636],{"_key":1637,"_type":174,"marks":1638,"text":1639},"rates-table-cell-span-0-0",[],"55 and below",[],{"_key":1642,"_type":1631,"content":1643},"rates-table-cell-0-1",[1644],{"_key":1645,"_type":170,"children":1646,"markDefs":1651,"style":190},"rates-table-cell-block-0-1",[1647],{"_key":1648,"_type":174,"marks":1649,"text":1650},"rates-table-cell-span-0-1",[],"17%",[],{"_key":1653,"_type":1631,"content":1654},"rates-table-cell-0-2",[1655],{"_key":1656,"_type":170,"children":1657,"markDefs":1662,"style":190},"rates-table-cell-block-0-2",[1658],{"_key":1659,"_type":174,"marks":1660,"text":1661},"rates-table-cell-span-0-2",[],"20%",[],{"_key":1664,"_type":1631,"content":1665},"rates-table-cell-0-3",[1666],{"_key":1667,"_type":170,"children":1668,"markDefs":1673,"style":190},"rates-table-cell-block-0-3",[1669],{"_key":1670,"_type":174,"marks":1671,"text":1672},"rates-table-cell-span-0-3",[],"37%",[],{"_key":1675,"_type":1272,"cells":1676},"rates-table-row-1",[1677,1688,1699,1710],{"_key":1678,"_type":1631,"content":1679},"rates-table-cell-1-0",[1680],{"_key":1681,"_type":170,"children":1682,"markDefs":1687,"style":190},"rates-table-cell-block-1-0",[1683],{"_key":1684,"_type":174,"marks":1685,"text":1686},"rates-table-cell-span-1-0",[],"Above 55 to 60",[],{"_key":1689,"_type":1631,"content":1690},"rates-table-cell-1-1",[1691],{"_key":1692,"_type":170,"children":1693,"markDefs":1698,"style":190},"rates-table-cell-block-1-1",[1694],{"_key":1695,"_type":174,"marks":1696,"text":1697},"rates-table-cell-span-1-1",[],"16%",[],{"_key":1700,"_type":1631,"content":1701},"rates-table-cell-1-2",[1702],{"_key":1703,"_type":170,"children":1704,"markDefs":1709,"style":190},"rates-table-cell-block-1-2",[1705],{"_key":1706,"_type":174,"marks":1707,"text":1708},"rates-table-cell-span-1-2",[],"18%",[],{"_key":1711,"_type":1631,"content":1712},"rates-table-cell-1-3",[1713],{"_key":1714,"_type":170,"children":1715,"markDefs":1720,"style":190},"rates-table-cell-block-1-3",[1716],{"_key":1717,"_type":174,"marks":1718,"text":1719},"rates-table-cell-span-1-3",[],"34%",[],{"_key":1722,"_type":1272,"cells":1723},"rates-table-row-2",[1724,1735,1746,1756],{"_key":1725,"_type":1631,"content":1726},"rates-table-cell-2-0",[1727],{"_key":1728,"_type":170,"children":1729,"markDefs":1734,"style":190},"rates-table-cell-block-2-0",[1730],{"_key":1731,"_type":174,"marks":1732,"text":1733},"rates-table-cell-span-2-0",[],"Above 60 to 65",[],{"_key":1736,"_type":1631,"content":1737},"rates-table-cell-2-1",[1738],{"_key":1739,"_type":170,"children":1740,"markDefs":1745,"style":190},"rates-table-cell-block-2-1",[1741],{"_key":1742,"_type":174,"marks":1743,"text":1744},"rates-table-cell-span-2-1",[],"12.5%",[],{"_key":1747,"_type":1631,"content":1748},"rates-table-cell-2-2",[1749],{"_key":1750,"_type":170,"children":1751,"markDefs":1755,"style":190},"rates-table-cell-block-2-2",[1752],{"_key":1753,"_type":174,"marks":1754,"text":1744},"rates-table-cell-span-2-2",[],[],{"_key":1757,"_type":1631,"content":1758},"rates-table-cell-2-3",[1759],{"_key":1760,"_type":170,"children":1761,"markDefs":1766,"style":190},"rates-table-cell-block-2-3",[1762],{"_key":1763,"_type":174,"marks":1764,"text":1765},"rates-table-cell-span-2-3",[],"25%",[],{"_key":1768,"_type":1272,"cells":1769},"rates-table-row-3",[1770,1781,1792,1803],{"_key":1771,"_type":1631,"content":1772},"rates-table-cell-3-0",[1773],{"_key":1774,"_type":170,"children":1775,"markDefs":1780,"style":190},"rates-table-cell-block-3-0",[1776],{"_key":1777,"_type":174,"marks":1778,"text":1779},"rates-table-cell-span-3-0",[],"Above 65 to 70",[],{"_key":1782,"_type":1631,"content":1783},"rates-table-cell-3-1",[1784],{"_key":1785,"_type":170,"children":1786,"markDefs":1791,"style":190},"rates-table-cell-block-3-1",[1787],{"_key":1788,"_type":174,"marks":1789,"text":1790},"rates-table-cell-span-3-1",[],"9%",[],{"_key":1793,"_type":1631,"content":1794},"rates-table-cell-3-2",[1795],{"_key":1796,"_type":170,"children":1797,"markDefs":1802,"style":190},"rates-table-cell-block-3-2",[1798],{"_key":1799,"_type":174,"marks":1800,"text":1801},"rates-table-cell-span-3-2",[],"7.5%",[],{"_key":1804,"_type":1631,"content":1805},"rates-table-cell-3-3",[1806],{"_key":1807,"_type":170,"children":1808,"markDefs":1813,"style":190},"rates-table-cell-block-3-3",[1809],{"_key":1810,"_type":174,"marks":1811,"text":1812},"rates-table-cell-span-3-3",[],"16.5%",[],{"_key":1815,"_type":1272,"cells":1816},"rates-table-row-4",[1817,1828,1838,1849],{"_key":1818,"_type":1631,"content":1819},"rates-table-cell-4-0",[1820],{"_key":1821,"_type":170,"children":1822,"markDefs":1827,"style":190},"rates-table-cell-block-4-0",[1823],{"_key":1824,"_type":174,"marks":1825,"text":1826},"rates-table-cell-span-4-0",[],"Above 70",[],{"_key":1829,"_type":1631,"content":1830},"rates-table-cell-4-1",[1831],{"_key":1832,"_type":170,"children":1833,"markDefs":1837,"style":190},"rates-table-cell-block-4-1",[1834],{"_key":1835,"_type":174,"marks":1836,"text":1801},"rates-table-cell-span-4-1",[],[],{"_key":1839,"_type":1631,"content":1840},"rates-table-cell-4-2",[1841],{"_key":1842,"_type":170,"children":1843,"markDefs":1848,"style":190},"rates-table-cell-block-4-2",[1844],{"_key":1845,"_type":174,"marks":1846,"text":1847},"rates-table-cell-span-4-2",[],"5%",[],{"_key":1850,"_type":1631,"content":1851},"rates-table-cell-4-3",[1852],{"_key":1853,"_type":170,"children":1854,"markDefs":1858,"style":190},"rates-table-cell-block-4-3",[1855],{"_key":1856,"_type":174,"marks":1857,"text":1744},"rates-table-cell-span-4-3",[],[],{"_key":1860,"_type":170,"children":1861,"markDefs":1866,"style":1867},"rates-missed-heading",[1862],{"_key":1863,"_type":174,"marks":1864,"text":1865},"rates-missed-heading-0",[],"3 things employers commonly miss:",[],"h3",{"_key":1869,"_type":170,"children":1870,"level":1335,"listItem":1875,"markDefs":1876,"style":190},"rates-missed-increase",[1871],{"_key":1872,"_type":174,"marks":1873,"text":1874},"rates-missed-increase-0",[],"Rates for workers aged above 55 to 65 rose by 1.5 percentage points on 1 Jan 2026, split between a 0.5 point increase for employers and 1 point for employees, and a further increase is already announced for 1 Jan 2027","bullet",[],{"_key":1878,"_type":170,"children":1879,"level":1335,"listItem":1875,"markDefs":1884,"style":190},"rates-missed-birthday",[1880],{"_key":1881,"_type":174,"marks":1882,"text":1883},"rates-missed-birthday-0",[],"New rates apply from the first day of the month after an employee's 55th, 60th, 65th, or 70th birthday, not from the birthday itself",[],{"_key":1886,"_type":170,"children":1887,"level":1335,"listItem":1875,"markDefs":1892,"style":190},"rates-missed-low-wage",[1888],{"_key":1889,"_type":174,"marks":1890,"text":1891},"rates-missed-low-wage-0",[],"Lower wage bands work differently: no CPF is payable on total wages of SGD $50 or less, only the employer contributes between SGD $50 and SGD $500, and the employee's share phases in gradually between SGD $500 and SGD $750",[],{"_key":1894,"_type":170,"children":1895,"markDefs":1900,"style":190},"rates-rounding",[1896],{"_key":1897,"_type":174,"marks":1898,"text":1899},"rates-rounding-0",[],"The calculator handles all of these automatically, including the rounding rules the CPF Board applies: total CPF rounds to the nearest dollar and the employee's share rounds down.",[],"CPF contribution rates for 2026",{"_key":1903,"_type":1904,"background":1545,"cardSurface":1905,"columns":1906,"cta":246,"features":1907,"heading":1917,"intro":1918},"the-2-wage-ceilings-that-cap-your-contributions","featureGrid","bordered","two",[1908,1913],{"_key":1909,"_type":1910,"body":1911,"bullets":246,"link":246,"title":1912},"ceilings-ordinary","feature","From 1 Jan 2026, CPF is payable on the first SGD $8,000 of monthly ordinary wages, up from SGD $7,400 in 2025. This was the final step of the phased increase announced in Budget 2023. For an employee under 55 earning SGD $9,000, you calculate CPF on SGD $8,000, which caps your employer share at SGD $1,360 a month.","Ordinary wage ceiling",{"_key":1914,"_type":1910,"body":1915,"bullets":246,"link":246,"title":1916},"ceilings-additional","Bonuses, commissions, and other one-off payments are additional wages, capped annually at SGD $102,000 minus the employee's ordinary wages subject to CPF for the year. An employee on SGD $8,000 a month has an additional wage ceiling of SGD $6,000 for the year, so a SGD $10,000 bonus only attracts CPF on the first SGD $6,000. The calculator estimates this ceiling from the monthly salary you enter. The CPF Annual Limit of SGD $37,740 caps total mandatory and voluntary contributions per employee per year.","Additional wage ceiling","The 2 wage ceilings that cap your contributions","CPF isn't payable on every dollar of salary. Two ceilings apply, and both changed recently, which is where manual calculations and outdated spreadsheets usually go wrong.",{"_key":1920,"_type":1921,"bullets":1922,"copyLayout":1947,"cta":246,"heading":1460,"image":1948,"mediaPosition":1951,"sectionHeading":1952,"sectionIntro":1953,"surface":1954,"twoColumnFrom":1955},"beyond-cpf-sdl-and-shg-contributions","featureSplit",[1923,1931,1939],{"_key":1924,"_type":170,"children":1925,"markDefs":1930,"style":190},"beyond-levy-body",[1926],{"_key":1927,"_type":174,"marks":1928,"text":1929},"beyond-levy-body-0",[],"SDL is payable for every employee, local or foreign, full-time or part-time, and you can't deduct it from wages. It's 0.25% of monthly remuneration, with a minimum of SGD $2 for employees earning SGD $800 or less and a maximum of SGD $11.25 for those earning SGD $4,500 or more. Small per head, easy to forget, and still your legal obligation.",[],{"_key":1932,"_type":170,"children":1933,"markDefs":1938,"style":1867},"beyond-funds-heading",[1934],{"_key":1935,"_type":174,"marks":1936,"text":1937},"beyond-funds-heading-0",[],"Self-help group contributions",[],{"_key":1940,"_type":170,"children":1941,"markDefs":1946,"style":190},"beyond-funds-body",[1942],{"_key":1943,"_type":174,"marks":1944,"text":1945},"beyond-funds-body-0",[],"SHG contributions fund community programmes and are deducted from your employee's wages, not paid by you. Which fund applies depends on your employee's race or religion: CDAC for the Chinese community, ECF for the Eurasian community, MBMF for Muslim employees, and SINDA for the Indian community. Amounts scale with wages, from SGD $0.50 to SGD $30 a month depending on the fund and salary band. Employees can opt out or vary their contribution directly with the respective SHG, so the calculator lets you set the fund per employee or skip it.",[],"passages",{"_type":154,"decorative":141,"height":1949,"url":1950,"width":1949},200,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Fc4871ec37060cda5d42d26a528f4a02e\u002Faccess-business-solutions-pay-salaries.svg","right","Beyond CPF: SDL and SHG contributions","Your CPF submission each month usually isn't just CPF. Two other amounts travel with it, and the calculator includes both.","default","lg",{"_key":1957,"_type":1516,"background":1545,"body":1958,"heading":1983},"how-cpf-works-for-singapore-pr-employees",[1959,1967,1975],{"_key":1960,"_type":170,"children":1961,"markDefs":1966,"style":190},"pr-intro",[1962],{"_key":1963,"_type":174,"marks":1964,"text":1965},"pr-intro-0",[],"PR employees follow different rate tables for their first 2 years of permanent residence, and this is the single most common source of payroll errors for growing teams.",[],{"_key":1968,"_type":170,"children":1969,"markDefs":1974,"style":190},"pr-graduated",[1970],{"_key":1971,"_type":174,"marks":1972,"text":1973},"pr-graduated-0",[],"By default, 1st and 2nd year PRs are on graduated rates. For an employee aged 55 and below, total contributions are 9% in the 1st year and 24% in the 2nd year, against 37% at full rates. From the 3rd year onwards, every PR moves to the same full rates as citizens.",[],{"_key":1976,"_type":170,"children":1977,"markDefs":1982,"style":190},"pr-joint-application",[1978],{"_key":1979,"_type":174,"marks":1980,"text":1981},"pr-joint-application-0",[],"You and your PR employee can also jointly apply to the CPF Board to contribute at higher rates earlier, either full rates for both parties or full employer and graduated employee rates. The calculator covers all 5 official rate tables, so you can model each arrangement before you commit to one. The PR year starts from the date of PR conversion, and the 2nd and 3rd years begin on the first day of the month after each anniversary.",[],"How CPF works for Singapore PR employees",{"_key":1985,"_type":1516,"background":1986,"body":1987,"heading":2036},"for-employees-what-cpf-means-for-your-take-home-pay","muted-mint",[1988,1996,2004,2012,2020,2028],{"_key":1989,"_type":170,"children":1990,"markDefs":1995,"style":190},"employees-intro",[1991],{"_key":1992,"_type":174,"marks":1993,"text":1994},"employees-intro-0",[],"This page is built for employers, but the same maths answers the question every employee asks: what do I actually take home. Used this way, it works as a cpf salary calculator.",[],{"_key":1997,"_type":170,"children":1998,"markDefs":2003,"style":190},"employees-worked-example",[1999],{"_key":2000,"_type":174,"marks":2001,"text":2002},"employees-worked-example-0",[],"If you're a Singapore Citizen or 3rd year PR under 55 earning SGD $5,000 a month, your employer deducts your 20% employee share, which is SGD $1,000, so your take-home pay is SGD $4,000 before any SHG deduction. Your employer adds their own 17% share of SGD $850 on top of your salary, which means SGD $1,850 lands in your CPF accounts every month, and it's money that funds your housing, healthcare, and retirement rather than a cost to you.",[],{"_key":2005,"_type":170,"children":2006,"markDefs":2011,"style":1867},"employees-payslip-heading",[2007],{"_key":2008,"_type":174,"marks":2009,"text":2010},"employees-payslip-heading-0",[],"2 things worth checking on your payslip:",[],{"_key":2013,"_type":170,"children":2014,"level":1335,"listItem":1875,"markDefs":2019,"style":190},"employees-payslip-bonus",[2015],{"_key":2016,"_type":174,"marks":2017,"text":2018},"employees-payslip-bonus-0",[],"Your bonus attracts CPF too, as additional wages, so a bonus month means a larger CPF inflow, not just a larger bank transfer",[],{"_key":2021,"_type":170,"children":2022,"level":1335,"listItem":1875,"markDefs":2027,"style":190},"employees-payslip-fund",[2023],{"_key":2024,"_type":174,"marks":2025,"text":2026},"employees-payslip-fund-0",[],"Your SHG contribution is voluntary, and you can adjust or opt out of it directly with the relevant self-help group, not through your employer",[],{"_key":2029,"_type":170,"children":2030,"markDefs":2035,"style":190},"employees-mismatch",[2031],{"_key":2032,"_type":174,"marks":2033,"text":2034},"employees-mismatch-0",[],"If the numbers on your payslip don't match the calculator, ask your employer or payroll provider to walk you through the difference. The most common explanations are the ordinary wage ceiling, a PR graduated rate, or an age band change.",[],"For employees: what CPF means for your take-home pay",{"_key":2038,"_type":1516,"body":2039,"heading":2056},"from-calculating-cpf-to-actually-paying-your-team",[2040,2048],{"_key":2041,"_type":170,"children":2042,"markDefs":2047,"style":190},"paying-intro",[2043],{"_key":2044,"_type":174,"marks":2045,"text":2046},"paying-intro-0",[],"Working out the numbers is the easy half of payroll. The other half is execution: paying each employee their net salary, on time, every month, and then paying the CPF Board by the due date.",[],{"_key":2049,"_type":170,"children":2050,"markDefs":2055,"style":190},"paying-deadline",[2051],{"_key":2052,"_type":174,"marks":2053,"text":2054},"paying-deadline-0",[],"CPF contributions are due on the last day of each month, with a grace period until the 14th of the following month. Miss it and late payment interest accrues at 1.5% per month with a minimum of SGD $5, and persistent non-compliance carries heavier penalties.",[],"From calculating CPF to actually paying your team",{"_key":2058,"_type":1921,"bullets":2059,"cta":2115,"ctaStyle":2119,"heading":2120,"image":2121,"mediaPosition":1951,"surface":2123,"twoColumnFrom":1955},"heres-how-businesses-on-aspire-run-the-execution-half",[2060,2088,2107],{"_key":2061,"_type":170,"children":2062,"level":1335,"listItem":1875,"markDefs":2084,"style":190},"execution-bulk",[2063,2067,2071,2075,2080],{"_key":2064,"_type":174,"marks":2065,"text":2066},"execution-bulk-0",[],"Pay every salary in one go with ",{"_key":2068,"_type":174,"marks":2069,"text":1561},"execution-bulk-1",[2070],"execution-bulk-link-1",{"_key":2072,"_type":174,"marks":2073,"text":2074},"execution-bulk-2",[],": upload one file, approve once, and pay your whole team from your ",{"_key":2076,"_type":174,"marks":2077,"text":2079},"execution-bulk-3",[2078],"execution-bulk-link-3","business account",{"_key":2081,"_type":174,"marks":2082,"text":2083},"execution-bulk-4",[]," instead of keying in transfers one by one",[2085,2087],{"_key":2078,"_type":188,"externalUrl":2086,"linkType":145},"\u002Fbusiness-account",{"_key":2070,"_type":188,"externalUrl":1567,"linkType":145},{"_key":2089,"_type":170,"children":2090,"level":1335,"listItem":1875,"markDefs":2104,"style":190},"execution-payroll",[2091,2095,2100],{"_key":2092,"_type":174,"marks":2093,"text":2094},"execution-payroll-0",[],"Run payroll end to end with ",{"_key":2096,"_type":174,"marks":2097,"text":2099},"execution-payroll-1",[2098],"execution-payroll-link-1","payroll",{"_key":2101,"_type":174,"marks":2102,"text":2103},"execution-payroll-2",[]," on Aspire, which connects salary payments, approvals, and your accounting software in one flow",[2105],{"_key":2098,"_type":188,"externalUrl":2106,"linkType":145},"\u002Fuse-case\u002Fpayroll",{"_key":2108,"_type":170,"children":2109,"level":1335,"listItem":1875,"markDefs":2114,"style":190},"execution-statutory",[2110],{"_key":2111,"_type":174,"marks":2112,"text":2113},"execution-statutory-0",[],"Pay CPF and other statutory bills the same way you pay salaries, so nothing waits on a separate banking portal",[],{"_type":143,"form":246,"internal":2116,"internalTarget":2117,"label":2118,"linkType":227},{"_ref":627,"_type":226},{"_type":300,"slug":629},"See how payroll works with Aspire","button","Here's how businesses on Aspire run the execution half:",{"_type":154,"decorative":141,"height":1949,"url":2122,"width":1949},"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F5dc5903beb92a9f15dc69b67f3eaeb29\u002Fpayments-automate-bulk-transfers.svg","ink",{"_key":2125,"_type":2126,"faqs":2127,"groups":246,"heading":2212},"frequently-asked-questions","faqSection",[2128,2140,2152,2164,2176,2188,2200],{"_id":2129,"answer":2130,"question":2139},"faq-SG-what-is-an-employer-cpf-contribution-calculator",[2131],{"_key":2132,"_type":170,"children":2133,"markDefs":2138,"style":190},"what-is-an-employer-cpf-contribution-calculator-answer",[2134],{"_key":2135,"_type":174,"marks":2136,"text":2137},"what-is-an-employer-cpf-contribution-calculator-answer-0",[],"An employer CPF contribution calculator works out the CPF amounts payable on an employee's wages: the employer's share, the employee's share to deduct from salary, and the total to submit to the CPF Board. This one also calculates the Skills Development Levy and self-help group contributions, and totals everything across your team so you can see your full monthly payroll cost.",[],"What is an employer CPF contribution calculator",{"_id":2141,"answer":2142,"question":2151},"faq-SG-how-do-i-calculate-employer-cpf-contributions-manually",[2143],{"_key":2144,"_type":170,"children":2145,"markDefs":2150,"style":190},"how-do-i-calculate-employer-cpf-contributions-manually-answer",[2146],{"_key":2147,"_type":174,"marks":2148,"text":2149},"how-do-i-calculate-employer-cpf-contributions-manually-answer-0",[],"Multiply the employee's ordinary wages, capped at SGD $8,000 a month, by the total contribution rate for their age and residency status, then subtract the employee's share to get your employer share. For an employee under 55 at full rates, that's 37% total, of which 20% comes from the employee's wages and 17% from you. The calculator above does this in seconds and applies the CPF Board's rounding rules, wage bands, and ceilings automatically.",[],"How do I calculate employer CPF contributions manually",{"_id":2153,"answer":2154,"question":2163},"faq-SG-how-much-cpf-does-an-employer-pay-for-an-employee-earning-5000",[2155],{"_key":2156,"_type":170,"children":2157,"markDefs":2162,"style":190},"how-much-cpf-does-an-employer-pay-for-an-employee-earning-5000-answer",[2158],{"_key":2159,"_type":174,"marks":2160,"text":2161},"how-much-cpf-does-an-employer-pay-for-an-employee-earning-5000-answer-0",[],"For an employee aged 55 and below at full rates, the employer pays SGD $850 a month, which is 17% of SGD $5,000. The employee contributes SGD $1,000 from their wages, making the total CPF contribution SGD $1,850. Adding the maximum SDL of SGD $11.25, the true monthly cost of that employee is SGD $5,861.25.",[],"How much CPF does an employer pay for an employee earning SGD $5,000",{"_id":2165,"answer":2166,"question":2175},"faq-SG-when-are-cpf-contributions-due",[2167],{"_key":2168,"_type":170,"children":2169,"markDefs":2174,"style":190},"when-are-cpf-contributions-due-answer",[2170],{"_key":2171,"_type":174,"marks":2172,"text":2173},"when-are-cpf-contributions-due-answer-0",[],"CPF contributions are due on the last day of each calendar month, with a grace period until the 14th of the following month, or the next working day if the 14th falls on a weekend or public holiday. After that, late payment interest accrues at 1.5% per month from the due date, with a minimum charge of SGD $5.",[],"When are CPF contributions due",{"_id":2177,"answer":2178,"question":2187},"faq-SG-do-employers-pay-cpf-for-foreign-employees",[2179],{"_key":2180,"_type":170,"children":2181,"markDefs":2186,"style":190},"do-employers-pay-cpf-for-foreign-employees-answer",[2182],{"_key":2183,"_type":174,"marks":2184,"text":2185},"do-employers-pay-cpf-for-foreign-employees-answer-0",[],"No. CPF is only payable for Singapore Citizens and PRs. You do pay the Skills Development Levy for every employee including foreigners, and Muslim foreign employees and Indian Employment Pass holders may contribute to MBMF and SINDA respectively through your CPF submission.",[],"Do employers pay CPF for foreign employees",{"_id":2189,"answer":2190,"question":2199},"faq-SG-is-this-cpf-contribution-calculator-free",[2191],{"_key":2192,"_type":170,"children":2193,"markDefs":2198,"style":190},"is-this-cpf-contribution-calculator-free-answer",[2194],{"_key":2195,"_type":174,"marks":2196,"text":2197},"is-this-cpf-contribution-calculator-free-answer-0",[],"Yes, completely free, with no sign-up and no download. All calculations happen in your browser, and your payroll figures are never stored or sent anywhere. For official submissions, use CPF EZPay, which computes contributions automatically when you submit.",[],"Is this CPF contribution calculator free",{"_id":2201,"answer":2202,"question":2211},"faq-SG-how-much-cpf-do-i-contribute-as-an-employee",[2203],{"_key":2204,"_type":170,"children":2205,"markDefs":2210,"style":190},"how-much-cpf-do-i-contribute-as-an-employee-answer",[2206],{"_key":2207,"_type":174,"marks":2208,"text":2209},"how-much-cpf-do-i-contribute-as-an-employee-answer-0",[],"If you're a Citizen or 3rd year PR aged 55 and below, 20% of your wages up to the SGD $8,000 monthly ceiling, deducted from your salary before it reaches your bank account. The rate steps down as you get older: 18% for above 55 to 60, 12.5% for above 60 to 65, 7.5% for above 65 to 70, and 5% above 70. Enter your salary in the calculator to see your exact deduction and take-home pay.",[],"How much CPF do I contribute as an employee","Frequently asked questions",{"_key":2214,"_type":2215,"articles":2216,"heading":2241},"cpf-calculator-related-articles","articleGrid",[2217,2226,2234],{"_id":2218,"category":2219,"coverImage":2221,"publishedAt":2224,"slug":2225,"title":2222},"blogPost-SG-6a3ed26fed3abe42c985f6db",{"title":2220},"Business Advice",{"_type":154,"alternativeText":2222,"height":1055,"url":2223,"width":1057},"What is a payroll account? Definition, benefits, and setup guide","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002Fcc3d9ce005fe74de130f3b6ce249b94c\u002Fpayroll-account-definition-benefits-and-setup-guide_cover.jpeg","2026-07-14T00:00:00.000Z","payroll-account-definition-benefits-and-setup-guide",{"_id":2227,"category":2228,"coverImage":2229,"publishedAt":2232,"slug":2233,"title":2230},"blogPost-SG-65a9e9bbd0bdabb429b1e2a7",{"title":315},{"_type":154,"alternativeText":2230,"height":1055,"url":2231,"width":1057},"7 best payroll software for small businesses in Singapore (2026)","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F295d24c79801d48128686f122af8b878\u002Fshared_cover_shared-cover-team.webp","2026-07-23T00:00:00.000Z","payroll-software-for-small-business",{"_id":2235,"category":2236,"coverImage":2237,"publishedAt":2224,"slug":2240,"title":2238},"blogPost-SG-65a9e9bbd0bdabb429b1e5e7",{"title":637},{"_type":154,"alternativeText":2238,"height":1055,"url":2239,"width":1057},"What is GIRO in Singapore? A complete guide for businesses in 2026","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F7bec9f3bc1192abbf3a85ab3d498e8a1\u002Fa-comprehensive-guide-to-giro-payments-and-transfers-in-singapore_cover.png","a-comprehensive-guide-to-giro-payments-and-transfers-in-singapore","Related articles",{"_key":2243,"_type":1516,"body":2244,"heading":17,"presentation":2243},"sources",[2245,2253,2261,2269],{"_key":2246,"_type":170,"children":2247,"level":1335,"listItem":1875,"markDefs":2252,"style":190},"source-how-much",[2248],{"_key":2249,"_type":174,"marks":2250,"text":2251},"source-how-much-0",[],"CPF Board: how much CPF contributions to pay - https:\u002F\u002Fwww.cpf.gov.sg\u002Femployer\u002Femployer-obligations\u002Fhow-much-cpf-contributions-to-pay",[],{"_key":2254,"_type":170,"children":2255,"level":1335,"listItem":1875,"markDefs":2260,"style":190},"source-rate-tables",[2256],{"_key":2257,"_type":174,"marks":2258,"text":2259},"source-rate-tables-0",[],"CPF Board: contribution rate tables from 1 Jan 2026 (PDF) - https:\u002F\u002Fwww.cpf.gov.sg\u002Fcontent\u002Fdam\u002Fweb\u002Femployer\u002Femployer-obligations\u002Fdocuments\u002FCPFcontributionratesfrom1Jan2026.pdf",[],{"_key":2262,"_type":170,"children":2263,"level":1335,"listItem":1875,"markDefs":2268,"style":190},"source-levy",[2264],{"_key":2265,"_type":174,"marks":2266,"text":2267},"source-levy-0",[],"CPF Board: Skills Development Levy - https:\u002F\u002Fwww.cpf.gov.sg\u002Femployer\u002Femployer-obligations\u002Fskills-development-levy",[],{"_key":2270,"_type":170,"children":2271,"level":1335,"listItem":1875,"markDefs":2276,"style":190},"source-funds",[2272],{"_key":2273,"_type":174,"marks":2274,"text":2275},"source-funds-0",[],"CPF Board: contributions to self-help groups - https:\u002F\u002Fwww.cpf.gov.sg\u002Femployer\u002Femployer-obligations\u002Fcontributions-to-self-help-groups",[],{"_type":149,"metaDescription":2278,"metaTitle":2279,"socialShareImageUrl":2280},"Free employer CPF contribution calculator with 2026 rates. Get employer and employee CPF, SDL, and SHG for your whole team, then run payroll in one batch.","Employer CPF contribution calculator (2026) - Aspire Singapore",{"_type":154,"alternativeText":155,"height":156,"url":157,"width":158},{"_type":2282,"current":489},"slug","Employer CPF contribution calculator",[],1790925611813]