Enter a monthly salary to instantly see employer CPF, employee CPF, Skills Development Levy (SDL), and the true total cost of hiring in Singapore - for any age group and employee type.
Employers contribute 17% of an employee's gross salary (for employees aged 55 and below) on top of the salary. This is in addition to - not deducted from - the employee's gross pay. The rate reduces progressively for older employees.
Employees aged 55 and below contribute 20% of their gross salary to CPF. This is deducted from their pay before they receive their take-home. The employer is required to deduct and remit both portions to CPF Board by the 14th of each month.
SDL is 0.25% of an employee's gross monthly wages, with a minimum of S$2 and a maximum of S$11.25 per employee per month. It is paid by the employer along with CPF contributions and funds workforce training programmes administered by SkillsFuture Singapore.
CPF contributions apply only on Ordinary Wages (OW) up to S$6,800/month (effective 2026). For bonuses and Additional Wages (AW), the annual ceiling is S$102,000 minus total OW already contributed. CPF must be submitted by the 14th of each month.