CPF contribution rates for 2027
From 1 January 2027 the total CPF rate for workers aged 55 and below stays at 37% of wages, 20% from the employee. Above 55 to 60: 35.5% in total, up from 34%. Above 60 to 65: 26% in total, up from 25%.
Verified against cpf.gov.sg on 12 October 2026.
Rates by age
Every age band, 2026 beside 2027
The total is what goes into the worker's CPF account each month: the employee's share comes out of the salary and the employer pays the rest on top. A new rate applies from the first day of the month after the birthday that moves a worker into the next band.
| Age | Total, 2026 | Total, 2027 | Employee, 2026 | Employee, 2027 | Change in total |
|---|---|---|---|---|---|
| 55 and below | 37% | 37% | 20% | 20% | No change |
| Above 55 to 60 | 34% | 35.5% | 18% | 19% | +1.5 points |
| Above 60 to 65 | 25% | 26% | 12.5% | 13% | +1 points |
| Above 65 to 70 | 16.5% | 16.5% | 7.5% | 7.5% | No change |
| Above 70 | 12.5% | 12.5% | 5% | 5% | No change |
Provisional: CPF has announced the 2027 totals for ages above 55 to 65; the employer and employee split for those two bands follows CPF's announcement page and will be re-checked against the official 2027 rate table when CPF publishes it.
Verified against cpf.gov.sg on 12 October 2026.
Ceilings
How much of the pay CPF applies to
| Ceiling | Amount | What it caps |
|---|---|---|
| Ordinary Wage ceiling | S$8,000 a month | Monthly salary above this pays no CPF |
| Annual salary ceiling | S$102,000 a year | Bonus is capped at this less the year’s salary subject to CPF |
- At the ceiling, a worker aged 55 and below pays S$1,600 a month and the employer S$1,360.
- CPF is for Singapore citizens and permanent residents. Employment Pass and S Pass holders, and their employers, do not contribute.
- The rates shown are the full ones, which permanent residents pay from their third year. First and second year rates are lower.
Verified against cpf.gov.sg on 12 October 2026.
Employee share
What comes out of the salary at each age
| Age | Employee | Employer | Total |
|---|---|---|---|
| 55 and below | 20% | 17% | 37% |
| Above 55 to 60 | 19% | 16.5% | 35.5% |
| Above 60 to 65 | 13% | 13% | 26% |
| Above 65 to 70 | 7.5% | 9% | 16.5% |
| Above 70 | 5% | 7.5% | 12.5% |
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