Singapore CPF Contribution 2025: If you work in Singapore, chances are, the CPF (Central Provident Fund) takes up a significant portion of your salary every month. Whether you’re an employee, employer, or self-employed professional, understanding how much CPF you should be contributing in 2025 is crucial—not just for compliance, but to ensure you’re maximizing your financial well-being.
In this guide, we’ll break down the CPF contribution rates for 2025, show you how they affect your take-home salary, and provide practical insights for both professionals and employers. Let’s dive right in!
Singapore CPF Contribution 2025
| Details | Information (2025) |
|---|---|
| Employer Contribution Rate (Age ≤ 55) | 17% of monthly wage |
| Employee Contribution Rate (Age ≤ 55) | 20% of monthly wage |
| Total CPF Contribution (Age ≤ 55) | 37% of monthly wage |
| CPF Ordinary Wage Ceiling | Raised to $7,400/month (phased increase, target: $8,000 by 2026) |
| Applicable Wage Range | Monthly wages above $750 |
| CPF Allocation | OA, SA, MA contributions split based on age |
| Official Source | CPF Board Official Website |
The Singapore CPF Contribution 2025 updates reflect the government’s commitment to bolstering retirement adequacy for all workers. Understanding how the changes affect your salary, retirement plans, and business operations is vital. Whether you’re an employee ensuring your CPF grows or an employer planning budgets, staying informed will help you stay ahead.
What is CPF, and Why Should You Care?
The Central Provident Fund (CPF) is Singapore’s comprehensive social security system. Monthly contributions from employees and employers help fund retirement, healthcare, housing, and insurance needs.
There are three main accounts your CPF contributions go into:
- Ordinary Account (OA) – Housing, insurance, education, investments
- Special Account (SA) – Retirement and long-term savings
- MediSave Account (MA) – Healthcare expenses
In short, CPF isn’t just a deduction—it’s your long-term safety net.
CPF Contribution Rates in 2025: Full Breakdown
From 1 January 2025, the CPF contribution rates have been enhanced, especially for senior workers. Below is the latest breakdown:
| Employee’s Age (Years) | Employer Contribution (%) | Employee Contribution (%) | Total Contribution (%) |
|---|---|---|---|
| 55 and below | 17% | 20% | 37% |
| Above 55 to 60 | 15.5% | 17% | 32.5% |
| Above 60 to 65 | 12% | 11.5% | 23.5% |
| Above 65 to 70 | 9% | 7.5% | 16.5% |
| Above 70 | 7.5% | 5% | 12.5% |
Applies to employees earning more than $750/month.
Comparison: 2024 vs. 2025 CPF Rates
| Employee’s Age | 2024 Total Contribution (%) | 2025 Total Contribution (%) |
|---|---|---|
| 55 and below | 37% | 37% |
| Above 55 to 60 | 31% | 32.5% |
| Above 60 to 65 | 22% | 23.5% |
| Above 65 to 70 | 15% | 16.5% |
| Above 70 | 12% | 12.5% |
Notice how there’s a consistent increase for older age brackets. This reflects Singapore’s focus on enhancing retirement savings, especially as the workforce ages.
CPF Allocation: How Your Contributions Are Split
Here’s how contributions are allocated among the three accounts:
Australia Pension Payments Up to $750 in January 2025 – Know Eligibility Criteria and Payment Date!
| Age Group (Years) | OA (%) | SA (%) | MA (%) |
|---|---|---|---|
| ≤ 35 | 23 | 6 | 8 |
| 36-45 | 21 | 7 | 9 |
| 46-50 | 19 | 8 | 10 |
| 51-55 | 15 | 11 | 11 |
| 56-60 | 12 | 14 | 6.5 |
| 61-65 | 3.5 | 10 | 10 |
| 66-70 | 1 | 8 | 7.5 |
| Above 70 | 1 | 4 | 7.5 |
Why CPF Contribution Changes Matter to You
1. For Employees
- Higher Savings: Increased employer contributions translate to a larger nest egg.
- Impact on Take-Home Pay: Be aware of how higher ceilings affect deductions.
2. For Employers
- Increased Costs: Plan payroll budgets carefully to accommodate rising contributions.
- Compliance Obligations: Use CPF calculators to avoid penalties.
3. For Retirement Planning
Higher contributions now mean better retirement adequacy later. Pair this with the CPF LIFE scheme, which provides lifelong payouts starting at age 65.
How Employers Can Prepare for CPF Increases
- Audit Your Payroll System – Ensure systems reflect updated rates.
- Communicate with Staff – Explain how changes benefit them.
- Budget Planning – Factor in increased employer costs into annual budgets.
- Leverage Tax Reliefs – Contributions qualify for tax deductions. More info.
How to Calculate Your CPF Contributions
- Determine your employee’s age group.
- Check wage amount.
- Apply appropriate rates.
- Use CPF’s official tool to verify:
CPF Contribution Calculator
Are You Eligible for the $3,267 Supplement for Singaporeans in 2025? Check Official Details!
Get Ready for Baby Bonus 2025 Payouts in Singapore – Are You Eligible to Get it?
FAQs About Singapore CPF Contribution 2025
1. What is the CPF Ordinary Wage Ceiling in 2025?
It’s $7,400/month, increasing to $8,000/month by 2026.
2. Does CPF apply to bonuses?
Yes, CPF applies to bonuses and additional wages but capped at $102,000/year.
3. What if my salary is below $750/month?
Employer contributions still apply. Employee contributions may be reduced.
4. Do freelancers need to contribute?
Only MediSave contributions are compulsory for self-employed individuals.
5. Where can I check my CPF balance?
Visit CPF Member Portal and log in via Singpass.
