The CPF (Central Provident Fund) contribution rates in Singapore as of 2025 vary based on the employee's age. For employees earning more than SGD 750 monthly, the total CPF contribution rate and breakdown by age group are:
- Age 55 and below: Total 37% (Employer: 17%, Employee: 20%)
- Above 55 to 60: Total 32.5% (Employer: 15.5%, Employee: 17%)
- Above 60 to 65: Total 23.5% (Employer: 12%, Employee: 11.5%)
- Above 65 to 70: Total 16.5% (Employer: 9%, Employee: 7.5%)
- Above 70: Total 12.5% (Employer: 7.5%, Employee: 5%)
The CPF monthly salary ceiling for contributions is SGD 7,400, meaning CPF contributions are only calculated on the first SGD 7,400 of monthly wages. There is also an annual wage ceiling of SGD 102,000 for CPF contributions. For example, an employee aged 35 earning SGD 5,000 monthly would have CPF contributions of SGD 850 from the employer (17%) and SGD 1,000 from the employee (20%), totaling SGD 1,850 in CPF contributions per month. These rates are set to be adjusted with incremental changes planned for 2026, particularly for older employees, but the above rates are the current figures for 2025.
