Take-Home Pay and CPF Calculator

💵 Take-Home Pay and CPF

Enter your monthly gross salary and age band to estimate your CPF contributions and the cash that lands in your account each month. Rates are pre-filled for 2026 and you can edit any of them.

Monthly gross salary (Ordinary Wages) your regular monthly pay before CPF

Age band

Monthly wage ceiling as of 2026, edit if changed

Employee CPF rate % as of 2026, edit if changed

Employer CPF rate % as of 2026, edit if changed

Estimated monthly take-home cash

S$0

Take-home cash Your CPF Employer CPF

Source: CPF Board, CPF contribution rates and Ordinary Wage ceiling, effective 1 January 2026. The Ordinary Wage ceiling is S$8,000 per month. Confirm current figures and run the official tool at cpf.gov.sg (CPF Contribution Calculator).

General information only, not financial advice. This is an estimate. CPF rounding rules, the annual Additional Wage ceiling, bonuses, and your exact circumstances can change the result. Verify with the official source (CPF Board) before relying on these figures.