Singapore Take-Home Pay Calculator
See net monthly pay after employee CPF using 2026 contribution rates and the $8,000 Ordinary Wage ceiling.
Salary that attracts CPF, before employee CPF is deducted. Additional wages such as bonuses use a separate ceiling not modelled here.
CPF rates step down after 55, 60, 65 and 70.
Take-home pay estimate
About this Singapore take-home pay calculator
Gross salary on an offer letter is not what hits your bank. For most employees in Singapore, the Central Provident Fund takes a slice from wages first. This calculator shows take-home after employee CPF using the contribution rates that apply from 1 January 2026, including the Ordinary Wage ceiling of $8,000 a month.
A 30-year-old earning $4,000 contributes 20% ($800) and takes home $3,200. The employer adds 17% ($680), so total compensation is $4,680 even though cash is $3,200. That gap is why comparing two jobs on headline salary alone is misleading.
Rates depend on age. Up to 55 the employee rate is 20% and the employer 17%. From above 55 to 60 the employee rate is 17%; then 9.5% to 65, 7.5% to 70, and 5% after 70. Employer rates step down on the same birthdays. Wages above $8,000 still pay the extra cash, but CPF stops at the ceiling — a $10,000 salary for someone 30 still contributes as if it were $8,000 ($1,600 employee / $1,360 employer), so take-home is $8,400.
This page is not the existing CPF contribution calculator, which splits OA, SA and MA. Here the question is simpler: how much cash do I keep, and what does the job really cost the employer? Additional wages (bonuses) have a separate annual ceiling and are ignored. Income tax is also ignored — pair this page with the income tax calculator if you need net-of-tax.
Figures run in your browser from the published 2026 bands. Nothing is uploaded. Confirm the live rate on cpf.gov.sg before signing an offer.
How to use it
- Enter monthly ordinary wage before employee CPF.
- Enter age at last birthday so the correct band is used.
- Read take-home, employee CPF, employer CPF, and total compensation.
- If wage exceeds $8,000, a note explains that CPF is capped.
- Open the CPF calculator on this site if you also need the OA/SA/MA split.
Key terms and concepts
Ordinary wage (OW) is regular monthly pay that attracts CPF, subject to the monthly ceiling.
Employee CPF is deducted from wage and credited to your CPF accounts.
Employer CPF is paid on top of wage. It is part of total compensation but not take-home cash.
OW ceiling is $8,000 a month from 1 January 2026. CPF is not due on ordinary wages above that amount.
Take-home here means wage minus employee CPF, before income tax, GIS, or other deductions.
Common use cases
- Comparing two job offers that quote different gross salaries.
- Checking a first payslip after joining a Singapore employer.
- Seeing how take-home changes at 55, 60, 65 or 70.
- Estimating employer cost when budgeting a headcount.
- Explaining to a foreign hire why $4,000 is not $4,000 in the bank.
Examples
Example 1 — $4,000 at age 30. Employee 20% = $800. Take-home $3,200. Employer $680. Total compensation $4,680.
Example 2 — $10,000 at age 30. CPF on $8,000: employee $1,600, take-home $8,400.
Example 3 — $4,000 at age 62. Employee 9.5% = $380. Take-home $3,620.
Example 4 — $4,000 at age 72. Employee 5% = $200. Take-home $3,800.
Important notes
Additional wages (AWS, bonus) use a different annual ceiling. This page is monthly ordinary wages only.
Self-employed MediSave rules are different and are not modelled.
Foreigners generally do not contribute CPF. Take-home equals wage unless other deductions apply.
Not tax advice. Confirm rates on the CPF Board site.
Frequently asked questions
How is take-home pay calculated in Singapore?
Take-home here is monthly ordinary wage minus employee CPF. Employer CPF is extra cost, not a deduction from your cash.
What is the CPF Ordinary Wage ceiling in 2026?
$8,000 a month from 1 January 2026. CPF is computed on the lower of wage and $8,000.
What is take-home on a $4,000 salary at age 30?
Employee CPF is 20% of $4,000 = $800. Take-home is $3,200.
Do rates change with age?
Yes. Employee rates are 20% (≤55), 17% (55–60), 9.5% (60–65), 7.5% (65–70) and 5% (above 70).
Is this the same as the CPF calculator on this site?
No. That tool splits contributions into OA, SA and MA. This page answers how much cash you keep.
Does this include income tax?
No. Income tax is annual. Use the income tax calculator for IRAS payable.
What about bonuses?
Bonuses are additional wages with a separate CPF ceiling. They are not included here.
I earn $9,000. Is CPF 20% of $9,000?
No. For ordinary wages, CPF is 20% of $8,000 ($1,600) if you are 55 or under.
Does the employer contribution reduce my take-home?
No. Employer CPF is paid on top of wage.
Are the numbers stored?
No. The rates are in the page and the calculation runs in your browser.