{"id":263374,"date":"2026-06-18T09:36:14","date_gmt":"2026-06-18T01:36:14","guid":{"rendered":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/www.lionsworld.com.sg\/?p=263374"},"modified":"2026-06-19T11:26:56","modified_gmt":"2026-06-19T03:26:56","slug":"cpf-contributions-singapore-employers","status":"publish","type":"post","link":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/www.lionsworld.com.sg\/cpf-contributions-singapore-employers\/","title":{"rendered":"CPF for Founders: The Fast Guide"},"content":{"rendered":"

[et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_fullwidth_header title=”CPF Contribution Guide for Employers” header_scroll_down=”on” scroll_down_icon=”%%5%%” scroll_down_icon_color=”#1f4e79″ background_overlay_color=”rgba(214,228,240,0.66)” _builder_version=”4.27.6″ _module_preset=”default” title_font=”|700|||||||” title_text_color=”#1f4e79″ title_font_size=”48px” title_line_height=”1.15em” content_font=”|600|||||||” content_text_color=”#2e75b6″ content_font_size=”18px” content_line_height=”1.8em” subhead_font=”||on||||||” subhead_text_color=”#000000″ subhead_font_size=”20px” subhead_line_height=”2em” background_color=”#d6e4f0″ background_image=”https:\/\/glutenfreepleasure.com\/__proxy_domain\/www.lionsworld.com.sg\/wp-content\/uploads\/2024\/12\/CPF-newsletter-3.png” custom_padding=”125px||125px||true|false” title_text_shadow_style=”preset2″ title_text_shadow_color=”rgba(0,0,0,0.24)” global_colors_info=”{}”][\/et_pb_fullwidth_header][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.6″ _module_preset=”default” max_width=”860px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ _module_preset=”default” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_font_size=”36px” header_2_text_color=”#000000″ header_2_font_size=”32px” global_colors_info=”{}”]<\/p>\n

CPF for Founders: The Fast Guide<\/b><\/h2>\n

Hiring your first employee in Singapore as a founder? Getting CPF right is one of your first critical tasks. It\u2019s mandatory for Singapore Citizens and PRs, and it affects both your payroll flow and your real costs as a founder.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.6″ _module_preset=”default” background_color=”#f5f9fd” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.6″ _module_preset=”default” max_width=”860px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ _module_preset=”default” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_font_size=”36px” header_2_text_color=”#000000″ header_2_font_size=”32px” global_colors_info=”{}”]<\/p>\n

What CPF covers<\/b><\/h2>\n

CPF is Singapore\u2019s compulsory savings scheme<\/a> for employees. As a founder, here\u2019s what matters: if you hire a Singapore Citizen or PR, you must contribute CPF on top of wages and deduct the employee\u2019s share from their salary.<\/p>\n

The exact amount depends on the employee\u2019s age, residency status, and monthly pay.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/glutenfreepleasure.com\/__proxy_domain\/www.lionsworld.com.sg\/wp-content\/uploads\/2026\/06\/How-Much-to-CPF.avif” alt=”CPF Contributions from employers and employees” title_text=”How Much to CPF” _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ _module_preset=”default” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_font_size=”36px” header_2_text_color=”#000000″ header_2_font_size=”32px” global_colors_info=”{}”]<\/p>\n

How much to budget<\/b><\/h2>\n

For your team members aged 55 and below, budget for the standard CPF rate of 37% in total:\u00a0<\/p>\n

    \n
  • 17% from you (the employer)<\/li>\n
  • 20% from your employee.\u00a0<\/li>\n<\/ul>\n

    The rates decrease as your team ages, and the 55\u201365 band will increase from 1 January 2026.<\/p>\n

    CPF is also capped. From 1 January 2026, it applies only to the first S$8,000 of ordinary wages each month. Bonuses and commissions are also subject to CPF, but only up to the annual ceiling.<\/p>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.6″ _module_preset=”default” background_color=”#eaf2f8″ global_colors_info=”{}”][et_pb_row _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ _module_preset=”default” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_font_size=”36px” header_2_text_color=”#000000″ header_2_font_size=”32px” max_width=”860px” module_alignment=”center” global_colors_info=”{}”]<\/p>\n

    Standard Rates \u2014 Singapore Citizens & PRs (3rd Year Onwards)<\/b><\/h3>\n

    The table below applies to employees earning more than S$750\/month, effective 1 January 2026. Rates for the 55\u201365 age band increased this year to strengthen retirement adequacy.<\/p>\n

    [\/et_pb_text][et_pb_code _builder_version=”4.27.6″ _module_preset=”default” max_width=”860px” module_alignment=”center” global_colors_info=”{}”]<\/p>\n

    <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n
    Employee Age<\/th>\n

    <\/p>\n

    		Employer Pays<\/th>\n

    <\/p>\n

    		Employee Pays<\/th>\n

    <\/p>\n

    		Total CPF Rate<\/th>\n

    <\/tr>\n

    <\/thead>\n

    <\/p>\n

    55 and below<\/td>\n

    <\/p>\n

    		17%<\/td>\n

    <\/p>\n

    		20%<\/td>\n

    <\/p>\n

    		37%<\/td>\n

    <\/tr>\n

    <\/p>\n

    Above 55 to 60<\/td>\n

    <\/p>\n

    		16%<\/td>\n

    <\/p>\n

    		18%<\/td>\n

    <\/p>\n

    		34% \u2191 Jan 2026<\/span><\/td>\n

    <\/tr>\n

    <\/p>\n

    Above 60 to 65<\/td>\n

    <\/p>\n

    		12.5%<\/td>\n

    <\/p>\n

    		12.5%<\/td>\n

    <\/p>\n

    		25% \u2191 Jan 2026<\/span><\/td>\n

    <\/tr>\n

    <\/p>\n

    Above 65 to 70<\/td>\n

    <\/p>\n

    		9%<\/td>\n

    <\/p>\n

    		7.5%<\/td>\n

    <\/p>\n

    		16.5%<\/td>\n

    <\/tr>\n

    <\/p>\n

    Above 70<\/td>\n

    <\/p>\n

    		7.5%<\/td>\n

    <\/p>\n

    		5%<\/td>\n

    <\/p>\n

    		12.5%<\/td>\n

    <\/tr>\n

    <\/tbody>\n

    <\/table>\n

    <\/div>\n

    <\/p>\n