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Free CPF & EPF Payroll Calculator

Instantly calculate CPF contributions for Singapore or EPF, SOCSO, EIS, and PCB for Malaysia. Get a full breakdown of employer costs, employee deductions, and take-home pay.

Singapore CPF Calculator

2026 Rates
$

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How Payroll Deductions Work in Singapore & Malaysia

🇸🇬 Singapore CPF Contributions

The Central Provident Fund (CPF) is a mandatory savings scheme for Singapore citizens and permanent residents. Both employees and employers contribute a percentage of the employee's monthly ordinary wages, subject to the Ordinary Wage (OW) ceiling of $6,800/month.

CPF contribution rates vary by age band. For employees aged 55 and below, the combined rate is 37% (20% employee + 17% employer). Rates decrease progressively for older age bands.

Employers are also required to pay the Skills Development Levy (SDL) at 0.25% of monthly remuneration (minimum $2), and the Self-Help Group (SHG) contribution which varies by salary band.

🇲🇾 Malaysia Statutory Deductions

Malaysian payroll involves four key statutory deductions: EPF (KWSP), SOCSO (PERKESO), EIS (SIP), and PCB/MTD (monthly tax deduction). Both employees and employers make contributions.

EPF contributions for employees below 60 are 11% (employee) and 12-13% (employer, depending on salary level). SOCSO and EIS contributions are capped at RM6,000 monthly wages.

PCB is calculated using progressive tax brackets with standard reliefs applied. The effective tax rate depends on annual income, marital status, and applicable reliefs.

Frequently Asked Questions

How accurate is this calculator?

This calculator uses the latest published CPF and EPF rates. It provides accurate estimates for standard employment scenarios. For edge cases (multiple employers, additional wages, bonus months), consult CPF Board or KWSP directly.

Is this calculator free to use?

Yes, completely free. No sign-up required. Use it as many times as you need.

Does this replace proper payroll software?

This calculator gives you a quick estimate. For running actual payroll — generating payslips, filing statutory contributions, and staying compliant — you need payroll software like KerjaPay.

What is the CPF OW ceiling?

The CPF Ordinary Wage (OW) ceiling is $6,800 per month (effective 2025). CPF contributions are only computed on ordinary wages up to this ceiling.

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