CPF Contribution Calculator

See exactly how much CPF you and your employer contribute monthly based on your salary and age. Includes BRS/FRS/ERS projections.

How to use the CPF Contribution Calculator

1

Enter your age and salary

Input your age and gross monthly wage (including bonuses and commissions). For employees aged 26-35, 36-45, 46-50, and above, the contribution rate changes.

2

Specify your profile

Select whether you are a Singapore Citizen or Permanent Resident. PRs have a separate, lower contribution rate for the first 3 years of PR status.

3

View your contribution breakdown

The tool calculates your total CPF contribution (employee + employer), and shows exactly how much goes into your Ordinary Account (OA), Special Account (SA), and Medisave Account (MA). Interest rates are applied automatically.

4

Plan your housing

Use the OA amount to estimate your CPF Ordinary Account savings available for home purchases. OA funds can be used for HDB mortgages and approved private property loans.

Pro tips

  • CPF rates change at age 26, 36, 46, 56, and 61 — use this calculator to verify each age band.
  • PRs in their first 3 years contribute at a reduced rate — check your specific band.
  • OA interest at 2.5% p.a. and SA/MA at 4.0% p.a. are reviewed quarterly by the government.

Key features

  • 100% Free
    No signup, no credit card, no hidden limits.
  • Privacy First
    All processing happens in your browser — your data never leaves your device.
  • Instant Results
    Process in seconds with no uploads, no waiting, no server delays.
  • Works Offline
    Once loaded, the tool works without an internet connection.

About the CPF Contribution Calculator

The CPF Contribution Calculator is part of LaiUse's growing collection of singapore tools, cpf calculator, hdb calculator, iras tax. Like every tool on LaiUse, it runs entirely in your browser — meaning your data, files, and inputs stay on your device throughout the entire process.

LaiUse offers Singapore tools alongside singapore salary calculator, cpf retirement sum estimator, hdb affordability calculator. The entire platform is free to use with no signup required, making it a popular choice for developers, designers, and everyday users who need a quick tool without the overhead of a SaaS subscription.

Whether you need the cpf contribution calculator for a one-off task or as part of your regular workflow, LaiUse is designed to be fast, reliable, and private. Bookmark this page to come back anytime, or explore the rest of the Singapore category for related tools.

Frequently asked questions

Is this tool free to use? +

Yes. LaiUse is free to use without an account. Most tools have no limits and run entirely in your browser. AI and server-side tools require a Pro subscription.

Do I need to create an account? +

No. All free tools work without an account. You can sign up to earn rewards, request new tools, and access Pro features.

Is my data private? +

Yes. Browser-based tools process everything locally on your device — your files and data never leave your computer. Server-side tools are clearly marked.

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