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Singapore CPF and take-home pay calculator 2026
For a citizen or permanent resident aged 55 or under, on 2026 CPF rates and ceilings, the Skills Development Levy and resident income tax. Bonuses are not included.
CPF and take-home pay by monthly salary, 2026
| Monthly salary | CPF, employee (20%) | CPF, employer (17%) | Income tax (monthly) | Take-home pay |
|---|---|---|---|---|
| S$3,000 | S$600 | S$510 | S$13 | S$2,387 |
| S$4,500 | S$900 | S$765 | S$59 | S$3,541 |
| S$6,000 | S$1,200 | S$1,020 | S$143 | S$4,657 |
| S$8,000 | S$1,600 | S$1,360 | S$255 | S$6,145 |
| S$10,000 | S$1,600 | S$1,360 | S$469 | S$7,931 |
| S$15,000 | S$1,600 | S$1,360 | S$1,160 | S$12,240 |
| S$20,000 | S$1,600 | S$1,360 | S$2,076 | S$16,324 |
Questions
What are the CPF contribution rates in 2026?
For citizens and permanent residents (from the third year) aged 55 and under earning over S$750 a month: 20% from the employee and 17% from the employer, 37% in all.
Is there a cap on CPF?
From January 2026 the ordinary wage ceiling is S$8,000 a month and the annual salary ceiling S$102,000. Pay above the ceiling attracts no CPF.
What is the take-home pay on S$6,000 a month?
After the employee's CPF of S$1,200 and income tax of about S$143 a month, take-home pay is S$4,657 a month. The employer adds S$1,020 of CPF on top.
What about Employment Pass holders?
Employment Pass holders pay no CPF and their employers pay none for them. The Skills Development Levy applies to every employee, foreigners included.
Sources: CPF Board, Skills Development Levy, IRAS. Checked 2026-10-24.