From 1 January 2026, the CPF contribution rates for employees aged above 55 to 65 will be increased to strengthen their retirement adequacy. The changes apply to wages earned from 1 January 2026:
For employees earning monthly wages exceeding $750
Employee Age
(years)
2025
CPF Contribution Rate
from 1 January 2026
Total (% of wage)
Total (% of wage)
By employer (% of wage)
By employee (% of wage)
55 and below
37
37
17
20
Above 55 – 60
32.5
34
(+1.5)
16
(+0.5)
18
(+1)
Above 60 -65
23.5
25
(+1.5)
12.5
(+0.5)
12.5
(+1)
Above 65 -70
16.5
16.5
9
7.5
Above 70
12.5
12.5
7.5
5
Note: Figures in brackets denote increase in rates.
The increase in the CPF contributions for employees aged above 55 to 65 will be fully allocated to the Retirement Account (RA), up to the Full Retirement Sum (FRS), to help senior workers save more for retirement. If employees have set aside the FRS in their RA, these contributions will be channelled to their Ordinary Account.
For those earning monthly wages of more than $500 to $750, the employee contribution rates continue to be phased in.
There are no changes to the graduated contribution rates for first and second year Singapore Permanent Residents.
