Permanent Resident Graduated CPF Rates Explained
How CPF contribution rates scale for 1st and 2nd year Singapore PRs — and when you hit full citizen-equivalent rates.
Read guide →In 2026, a Singapore Citizen or third-year Permanent Resident aged 55 and below contributes 20% of monthly wages to CPF, and the employer adds 17%, for a total of 37% of the first S$8,000 of monthly wages and S$102,000 a year. Rates step down after age 55, and new PRs pay lower graduated rates for two years.
Figures verified against CPF Board's official contribution rates on 13 September 2026.
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Rates vary by age. The table below shows total contribution rates for employees and employers.
| Age Group | Employee | Employer | Total |
|---|---|---|---|
| 55 & below | 20% | 17% | 37% |
| Above 55 to 60 | 18% | 16% | 34% |
| Above 60 to 65 | 12.5% | 12.5% | 25% |
| Above 65 to 70 | 7.5% | 9% | 16.5% |
| Above 70 | 5% | 7.5% | 12.5% |
Source: CPF Board contribution rates from 1 January 2026 (Singapore Citizens and third-year PRs, wages above S$750/month).
The short answers. Full detail on each in the FAQ page and guides.
CPF contributions are a percentage of your gross monthly wage paid by both employee and employer. The total rate depends on your age and citizenship status. For a Singapore Citizen aged 35 and below earning up to the Ordinary Wage ceiling of $8,000, the combined contribution is 37% (20% employee + 17% employer) in 2026.
For Singapore Citizens aged 55 and below in 2026, the employee rate is 20% and the employer rate is 17%, giving a combined 37%. Rates are lower for those aged 55–70 and for Permanent Residents during their first two years under the graduated rate scheme.
Allocation depends on age. For members aged 35 and below, contributions are split roughly 62.2% to Ordinary Account (OA), 16.2% to Special Account (SA) and 21.6% to MediSave. The SA share increases as you get older to build up retirement savings.
No. Permanent Residents (PRs) pay lower CPF during their first two years under the graduated contribution scheme. SPR1 rates are 5% employee + 4% employer. SPR2 rates are 15% employee + 9% employer. From the third year onward, PR rates match Singapore Citizen rates.
The Ordinary Wage (OW) ceiling is $8,000 per month in 2026. CPF contributions are only calculated on wages up to this ceiling. The Annual Wage Supplement (AWS) and bonuses are subject to the Additional Wage ceiling of $102,000 minus total OW already contributed.
In-depth guides to help you understand and optimise your CPF contributions.
How CPF contribution rates scale for 1st and 2nd year Singapore PRs — and when you hit full citizen-equivalent rates.
Read guide →How your OA, SA, and RA allocations shift at each key age milestone — and what it means for your retirement trajectory.
Read guide →A practical comparison of CPF top-ups versus SRS contributions for tax relief — with a clear decision framework for different income levels.
Read guide →