About Singapore CPF & Take-Home Salary Calculator
Comprehensive Singapore payroll calculator. Computes statutory Central Provident Fund (CPF) employee (20%) and employer (17%) contributions across all age tiers, Ordinary Wage (OW) ceiling enforcement ($6,800), Ordinary / Special / MediSave account allocations, and progressive IRAS personal income tax with 100% CPF tax relief.
Key Capabilities & Features
- Updated 2024/2025 CPF age brackets (<=55, 55-60, 60-65, 65-70, >70)
- OW ceiling capping ($6,800/month) and Additional Wage (AW) bonus cap handling
- Itemized account split: Ordinary Account (OA 2.5%), Special Account (SA 4.0%), MediSave (MA 4.0%)
- Progressive IRAS personal income tax calculation with statutory CPF tax relief
- Support for Singapore Citizens and Permanent Residents (Year 3+)
How to Use Singapore CPF & Take-Home Salary Calculator
Enter Monthly Base Salary
Type your monthly base wage in Singapore Dollars (S$) and annual bonus months.
Select Age Tier
Choose your age group to automatically load statutory CPF employee and employer rates.
Review Take-Home & CPF Split
View monthly net salary and your exact annual allocations into OA, SA, and MediSave.
Privacy & In-Browser Execution Guarantee
100% private. Your Singapore salary details remain strictly in your browser and are never uploaded.
Frequently Asked Questions
What is the Ordinary Wage (OW) CPF ceiling in Singapore?
The OW ceiling limits the amount of monthly salary subject to CPF contributions. As of 2024, it is S$6,800 per month (increasing to S$8,000 by 2026). Any monthly salary above this ceiling is not subject to CPF deductions.
Are employee CPF contributions tax deductible in Singapore?
Yes. Compulsory employee CPF contributions made by Singapore citizens and permanent residents qualify for 100% tax relief under IRAS, reducing your chargeable income dollar-for-dollar.