Take-home pay after CPF
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Take-home pay by salary (age 55 and below)
| Monthly salary | Your CPF | Take-home a month | Employer CPF |
|---|---|---|---|
| $2,500 | $500 | $2,000 | $425 |
| $3,000 | $600 | $2,400 | $510 |
| $3,500 | $700 | $2,800 | $595 |
| $4,000 | $800 | $3,200 | $680 |
| $5,000 | $1,000 | $4,000 | $850 |
| $6,000 | $1,200 | $4,800 | $1,020 |
| $7,000 | $1,400 | $5,600 | $1,190 |
| $8,000 | $1,600 | $6,400 | $1,360 |
| $10,000 | $1,600 | $8,400 | $1,360 |
| $12,000 | $1,600 | $10,400 | $1,360 |
Questions
Why is my CPF lower in my first two years as a PR?
New PRs pay graduated rates. If you are 55 or younger, you pay 5% and your employer 4% in the first year, then 15% and 9% in the second year. From the third year you pay the same rates as citizens. You and your employer can jointly apply to the CPF Board to pay higher rates earlier.
Why does my CPF stop growing above $8,000?
CPF is only charged on the first $8,000 of monthly salary (the 2026 ceiling). Salary above that is paid to you in full.
Does employer CPF come out of my salary?
No. Your employer pays it on top of your salary, straight into your CPF accounts.
Do foreigners pay CPF?
No. Employment Pass and S Pass holders don’t pay CPF, so their take-home pay is their full salary before tax.
Guides
- Take-home pay in Singapore 2026: $3,000 to $12,000 a monthWhat a Singapore citizen or PR actually keeps from a $3,000, $5,000, $8,000 or $12,000 monthly salary after CPF and income tax, with 2026 CPF rates.
- CPF changes in 2026: what's different on your payslipThe CPF salary ceiling went up to $8,000, contribution rates rose for workers aged 55 to 65, and the retirement sums went up. Here's what it means for you.
- Can CPF be paid as cash? New PRs, EP holders and “CPF-inclusive” offersEmployer CPF can’t be swapped for cash for citizens and PRs. What changes when an EP holder becomes a PR, the first two years’ CPF rates, and how to read a package that “includes CPF”.