Choose the correct table
The publication separates calendar years and age bands for workers born in or after 1995 and older workers choosing increased CPF savings. Net earnings are gross earnings less the fixed-expense deduction amount, calculated per operator per month. In the 2026 table, workers aged 35 or below with monthly net earnings above S$750 have total contributions of 20%, including a 13% worker share. Lower earnings have separate bands; do not apply the highest-band rate to every payment.
Round and separate shares
First round total contributions to the nearest dollar, rounding 50 cents upward. Drop cents when calculating the worker’s share; the operator pays the balance. The document also shows future phased tables and cautions that older-worker schedules can depend on senior-worker CPF increases. Keep the effective year attached to each calculation. This is a contribution schedule using FEDA, not proof that the same expense amount is deductible in every income-tax return.
Official source
A concise, independent Apex Gateway guide based on the official English source, not a reproduction of the complete document. Consult the original for full conditions, exceptions and subsequent updates.
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