If I earn S$8,000 per month, how much more CPF am I contributing in 2026 vs 2025?

CPF Contribution Increase from 2025 to 2026 (S$8,000 Monthly Salary)

For a Singaporean earning S$8,000 per month, the increase in CPF contributions between 2025 and 2026 is solely due to the increase in the CPF salary ceiling.

1. Salary Ceiling Change:

• 2025 Ceiling: S$7,400 per month.
• 2026 Ceiling: S$8,000 per month (as per Key 2026 figures).

Since your salary of S$8,000 exceeds both the 2025 ceiling (S$7,400) and the 2026 ceiling (S$8,000), your total mandatory CPF contribution rate remains based on the respective ceiling amounts.

2. Calculating Contribution Difference:

CPF contribution rates are based on age. Assuming you are below age 55 (where the total employee + employer contribution rate is 37%):

• Maximum Contribution in 2025 (based on S$7,400 ceiling): S$7,400 * 37% = S$2,738.00 per month.
• Maximum Contribution in 2026 (based on S$8,000 ceiling): S$8,000 * 37% = S$2,960.00 per month.

3. Total Increase:

The difference in the maximum mandatory CPF contribution you or your employer will pay is:

S$2,960.00 (2026) - S$2,738.00 (2025) = S$222.00 more per month in total CPF contributions in 2026 compared to 2025, based on the salary ceiling adjustment.

This increase is distributed between your employer and employee contributions according to the prevailing age-based rates (CPF Board). For example, if you are 35 and below, the employee portion (e.g., 20% in 2025 vs 20% in 2026, assuming the employee rate remains constant relative to the ceiling) will increase by S$148.00 (S$8,000 20% - S$7,400 20%), and the employer portion will increase by S$74.00 (S$8,000 17% - S$7,400 17%).