Singapore has announced the CPF Contribution Rate 2025 Chart, introducing new adjustments in the CPF employee-employer split effective from January 2025. This update is part of the government’s long-term commitment to enhancing retirement adequacy while maintaining fair and sustainable contributions from both employers and employees.
As Singapore’s workforce evolves and life expectancy increases, the Central Provident Fund (CPF) scheme continues to adapt to better support the financial security of citizens in their retirement years.
What Is the CPF Contribution Rate?
The CPF contribution rate is the total percentage of an employee’s monthly wage that goes into their CPF account, shared between the employer and the employee. These rates vary based on age groups and are allocated to different CPF accounts:
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Ordinary Account (OA) – for housing, insurance, and investment
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Special Account (SA) – for retirement and long-term needs
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Medisave Account (MA) – for healthcare expenses
The updated CPF Contribution Rate 2025 Chart ensures continued financial growth in all three accounts, especially for older employees.
Key Changes in CPF Rates for 2025
From January 1, 2025, CPF rates will see adjustments mainly for employees aged 55 to 70. The revised CPF employee employer split ensures higher contributions to improve retirement outcomes.
Highlights of the 2025 changes:
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Higher total CPF contribution for senior workers
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Employers’ portion sees a minor increase
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Employees benefit from enhanced savings without significant income loss
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No change in rates for workers below 55 years old
Let’s explore the full CPF Contribution Rate 2025 Chart for all age groups.
CPF Contribution Rate 2025 Chart (By Age Group)
| Age Group | Total Contribution (%) | Employer (%) | Employee (%) |
|---|---|---|---|
| Up to 55 years | 37.0% | 17.0% | 20.0% |
| 55–60 years | 31.0% (↑ from 29.5%) | 14.0% | 17.0% |
| 60–65 years | 23.0% (↑ from 21.5%) | 10.5% | 12.5% |
| 65–70 years | 17.5% (↑ from 16.0%) | 8.5% | 9.0% |
| Above 70 years | 12.5% (unchanged) | 7.5% | 5.0% |
Note: Figures in brackets indicate changes from 2024.
The CPF employee employer split continues to be structured in a way that gradually reduces the employee share with age while keeping employer support strong.
CPF Allocation to OA, SA, and MA
The 2025 update also adjusts the allocation ratio among the three CPF accounts based on age:
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Below 35 years: Most contributions go to the OA
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Above 55 years: Larger portions shift to the SA and MA to boost retirement and healthcare savings
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This gradual shift supports financial planning for medical needs and post-retirement stability
These changes align with Singapore’s long-term CPF strategy, helping citizens accumulate more savings while staying adaptable to future needs.
Why These CPF Rate Changes Matter
The updated CPF Contribution Rate 2025 Chart is more than just numbers—it reflects a strong policy move to secure aging workers’ futures. Here’s why it matters:
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Encourages older workers to stay in the workforce
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Increases retirement savings without hurting take-home pay too much
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Maintains business sustainability with gradual employer contribution increases
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Supports Singapore’s shift to a more inclusive, senior-friendly labor market
With the higher CPF contributions, older employees will see tangible improvements in their CPF balances, supporting housing, medical, and retirement needs more effectively.
Conclusion
The CPF Contribution Rate 2025 Chart brings much-needed updates to Singapore’s CPF system, especially for senior workers. With a restructured CPF employee employer split, individuals aged 55–70 can expect stronger financial security in their retirement years. These reforms not only encourage extended employment but also help employees accumulate better savings through their working life. Understanding the latest CPF structure is essential for both employers and employees to adapt, plan, and grow in 2025 and beyond.
FAQs
What is the CPF contribution rate for workers under 55 in 2025?
The total CPF contribution rate for those under 55 remains at 37%, split as 17% from employers and 20% from employees.
Who is affected by the CPF rate changes in 2025?
The CPF Contribution Rate 2025 Chart mainly affects employees aged 55 to 70, with increases in both employer and employee contributions.
Will take-home salary be affected by the new CPF rates?
Yes, slightly. Higher employee contributions may reduce take-home pay marginally but result in greater long-term savings and retirement benefits.
Why is the CPF employee employer split changing?
The CPF employee employer split is being adjusted to boost senior workers’ retirement adequacy and encourage longer workforce participation.
How do CPF contributions get allocated among the accounts?
CPF contributions are split among the Ordinary Account (OA), Special Account (SA), and Medisave Account (MA), with the ratio shifting based on age to meet retirement and medical needs.
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