2027 guide
CPF contribution rates 2027
Higher rates for employees aged above 55 to 65 from 1 January 2027; all other ages unchanged.
Example ยท 55 and below
$4,000
Take-home after your CPF contribution
Illustrative; CPF's calculator gives exact payroll amounts.
Rates from 1 January 2027
Percent of monthly wage, for wages above $750.
| Employee's age | Employer | Employee | Total 2027 | Total 2026 |
|---|---|---|---|---|
| 55 and below | 17% | 20% | 37% | 37% |
| Above 55 to 60 | 16.5% | 19% | 35.5% | 34% +1.5 |
| Above 60 to 65 | 13% | 13% | 26% | 25% +1 |
| Above 65 to 70 | 9% | 7.5% | 16.5% | 16.5% |
| Above 70 | 7.5% | 5% | 12.5% | 12.5% |
What changes
- Above 55 to 60: total rises from 34% to 35.5% (employer +0.5, employee +1).
- Above 60 to 65: total rises from 25% to 26% (employer +0.5, employee +0.5).
- The increase for these ages goes to the Retirement Account, up to the Full Retirement Sum; once that is set aside, it goes to the Ordinary Account.
- Senior workers earning more than $500 and up to $750 a month contribute at phased-in rates, which rise proportionately.
Wage ceiling
CPF contributions on Ordinary Wages are capped at the Ordinary Wage ceiling of $8,000 a month, in force from 1 January 2026 (CPF).
Sources: CPF Board. Checked 5 November 2026. For exact payroll amounts use CPF's contribution calculator.
Common questions
Do CPF contribution rates change in 2027?
Yes, for employees aged above 55 to 65, from 1 January 2027. Above 55 to 60 rises to 35.5% in total and above 60 to 65 to 26%. Other ages stay the same.
What is the CPF wage ceiling in 2027?
The Ordinary Wage ceiling is $8,000 a month, in force from 1 January 2026. CPF has not listed a change for 2027.
Where does the extra contribution go?
To the Retirement Account, up to the Full Retirement Sum, and then to the Ordinary Account.