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How Much Will I Take Home After CPF?

Salary After CPF Calculator

Enter your gross monthly salary and age. See your take-home pay and how much you and your employer put into CPF each month.

New to this? Read The Short Guide First →

Page updated · 2026 CPF rates
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1 Your Numbers

Your Monthly Pay

On a work pass, such as an Employment Pass or S Pass? You pay no CPF.

Your monthly pay before CPF, as in your contract. Leave out bonuses.

Your age at your last birthday. CPF rates drop from the month after you turn 55, 60, 65 and 70.

Foreigners on a work pass (such as Employment Pass or S Pass) do not pay CPF. PRs in their first two years pay lower rates, which this estimate leaves out.

We work this out in your browser.

2 Your Result

After CPF, you could take home about

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Your CPF Deduction (Per Month)
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Employer CPF On Top (Per Month)
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Total CPF (Per Month)
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Salary Plus Employer CPF (Per Month)
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Salary Counted For CPF (Per Month)
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What This Estimate Assumes

Rough estimate only. Uses CPF rates from 1 January 2026 and the S$8,000 monthly salary cap (Ordinary Wage ceiling). For Singapore Citizens, and PRs from their third year, earning above S$750 a month. Your age is your age at your last birthday: CPF moves you to the next age group’s rates from the month after you turn 55, 60, 65 or 70. Foreigners on a work pass pay no CPF, so their take-home before tax is their gross salary. Leaves out bonuses and other Additional Wages, lower (graduated) PR rates, income tax and other payroll deductions. CPF Board’s calculator gives the official amount.

3 What Next

Step 2 of 5 in Save More Each MonthHow Should I Split My Pay Each Month?Monthly Savings Split →Read The GuideHow Much CPF Is Deducted From My Salary In 2026? →

Before You Use This Number

Is Employer CPF Taken From My Salary?

No. It is paid by your employer on top of your gross salary.

Why Is My Salary Capped For CPF?

From January 2026, CPF is charged on monthly salary (Ordinary Wages) up to S$8,000.