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Singapore CPF Contribution Calculator

Employer and employee CPF for Singapore Citizens and SPRs by age band and monthly wage, with the 2026 wage ceilings and the CPF rounding rule

Unify Dynamics LLC

Documentation
Tools6read-only
Sign-inNoneno account, no key
Data keptNoneprocessed in memory
PriceFreeoptional Pro limits
StatusLiveMCP + REST
Works withMCP · RESTany agent

Try asking

Real questions, and the tools your agent calls to answer them.

My cook is 42 and earns SGD 3,200 a month. How much CPF do I pay and how much do I deduct from her pay?
Tools called
calc_cpf_contribution
Run CPF for my five staff this month and give me the total I owe and the total I deduct.
Tools called
calc_payroll_batch
What is the real monthly cost of a 58-year-old employee on SGD 4,500 including my CPF share?
Tools called
cpf_staff_cost_estimate
What is the CPF ordinary wage ceiling this year, and how much bonus still attracts CPF for someone who already had SGD 60,000 of ordinary wages?
Tools called
cpf_wage_ceilings
My bookkeeper was born on 13 January 1971. When do her CPF rates drop and by how much?
Tools called
cpf_next_rate_change
list_cpf_age_bands

About

Singapore CPF Contribution Calculator turns the published CPF Board contribution table in force from 1 January 2026 into exact monthly numbers for a small employer. calc_cpf_contribution gives employer, employee and total CPF for one employee (Singapore Citizen or SPR from the third year of PR status) from the monthly ordinary wage, optional additional wage, and age or date of birth, using the CPF age-band rule (new rates start the month after the 55th, 60th, 65th or 70th birthday), the four wage brackets and the CPF rounding rule. calc_payroll_batch runs a list of employees and sums the month. list_cpf_age_bands prints the whole table with formulas. cpf_wage_ceilings shows the 8,000 dollar ordinary wage ceiling and the additional wage ceiling formula, with the maximum monthly CPF per age band. cpf_staff_cost_estimate adds employer CPF to the gross wage. cpf_next_rate_change finds the month an employee's rates step down. Graduated rates for PRs in their first two years and the CPF payment deadline are not covered. Every answer states the date basis and the verification level, and single-source figures carry caveats. General information only, never advice.

Sources: Reference data from official sources (cpf.gov.sg); every answer states its source, date and validity period.

Privacy

The publisher, Unify Dynamics LLC, states that tool inputs are processed in memory and not retained.

Data not collectedNo account, no profile, no stored prompts or results.
Privacy policyTerms

What it can do

6 tools, grouped by job. Every one is read-only or compute-only.

OpenAPI
Look up & validate1 tools
  • List cpf age bandsThe five CPF age bands with employer, employee and total rates, the formulas for low wages, the ordinary wage ceiling and the rounding rule of the…
Reference & guides5 tools
  • Calc cpf contributionEmployer, employee and total CPF for one Singapore Citizen or SPR (third year onwards) for a wage month, by age band and wage bracket, with the…
  • Calc payroll batchCPF for a list of employees for one wage month: per-employee employer, employee and total CPF plus the monthly totals.
  • Cpf staff cost estimateMonthly cost of an employee to the employer: gross ordinary wage plus employer CPF plus any other cost you supply.
  • Cpf wage ceilingsThe CPF ordinary wage ceiling, the additional wage ceiling formula (and the remaining ceiling for a given year to date) and the maximum monthly…
  • Cpf next rate changeThe wage months in which an employee's CPF rates change with age (the month after the 55th, 60th, 65th and 70th birthday month), with the rates…

Information

PublisherUnify Dynamics LLC
CategoryWork & productivity · Money & business · Health & care
LanguagesEnglish
Built forSingapore
CompatibilityAny MCP client · any agent · REST
Version0.1.0
MCP endpointhttps://sg-cpf-calc.connectorbay.com/mcp
REST APIopenapi.json
SupportGet help · Status
CountrySingapore
FunctionsPayroll & labor, Insurance & social security
LayerDeep connectors

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Documentation

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Singapore CPF Contribution Calculator — connector documentation

  • MCP endpoint: https://sg-cpf-calc.connectorbay.com/mcp
  • REST API: POST https://sg-cpf-calc.connectorbay.com/v1/tools/{tool_name}, described by the OpenAPI 3.1 spec at https://sg-cpf-calc.connectorbay.com/openapi.json
  • Transport: Streamable HTTP, stateless, MCP specification 2025-06-18 or later
  • Authentication: none required. An optional Authorization: Bearer <key> raises rate limits.
  • Health: https://sg-cpf-calc.connectorbay.com/health · Tool schemas: https://sg-cpf-calc.connectorbay.com/tools.json
  • Publisher: Unify Dynamics LLC · connectorbay.com/sg-cpf-calc · agent@connectorbay.com

What Singapore CPF Contribution Calculator is for

Singapore CPF Contribution Calculator turns the published CPF Board contribution table in force from 1 January 2026 into exact monthly numbers for a small employer. calc_cpf_contribution gives employer, employee and total CPF for one employee (Singapore Citizen or SPR from the third year of PR status) from the monthly ordinary wage, optional additional wage, and age or date of birth, using the CPF age-band rule (new rates start the month after the 55th, 60th, 65th or 70th birthday), the four wage brackets and the CPF rounding rule. calc_payroll_batch runs a list of employees and sums the month. list_cpf_age_bands prints the whole table with formulas. cpf_wage_ceilings shows the 8,000 dollar ordinary wage ceiling and the additional wage ceiling formula, with the maximum monthly CPF per age band. cpf_staff_cost_estimate adds employer CPF to the gross wage. cpf_next_rate_change finds the month an employee's rates step down. Graduated rates for PRs in their first two years and the CPF payment deadline are not covered. Every answer states the date basis and the verification level, and single-source figures carry caveats. General information only, never advice.

Ask your assistant things like:

  • "My cook is 42 and earns SGD 3,200 a month. How much CPF do I pay and how much do I deduct from her pay?"
  • "Run CPF for my five staff this month and give me the total I owe and the total I deduct."
  • "What is the real monthly cost of a 58-year-old employee on SGD 4,500 including my CPF share?"
  • "What is the CPF ordinary wage ceiling this year, and how much bonus still attracts CPF for someone who already had SGD 60,000 of ordinary wages?"
  • "My bookkeeper was born on 13 January 1971. When do her CPF rates drop and by how much?"

What it does

  • calc_cpf_contribution: Employer, employee and total CPF for one Singapore Citizen or SPR (third year onwards) from monthly wages, age and the wage month.
  • calc_payroll_batch: CPF for a list of employees for one wage month, with per-employee results and monthly totals.
  • list_cpf_age_bands: The five age bands with employer, employee and total rates, the wage-bracket formulas, ceilings and rounding rule of the stored 2026 table.
  • cpf_staff_cost_estimate: Monthly cost of an employee to the employer: gross wage plus employer CPF plus optional other costs.
  • cpf_wage_ceilings: The ordinary wage ceiling, the additional wage ceiling formula and the maximum monthly CPF per age band.
  • cpf_next_rate_change: The wage month in which an employee's CPF rates next change with age, and the rate before and after.

Data sources

Reference data from official sources (cpf.gov.sg); every answer states its source, date and validity period.

What it is not

Singapore CPF Contribution Calculator is independent; not affiliated with, endorsed by or operated by any government body, central bank, standards body or scheme operator. Names of rails, schemes and standards are used only to say what a tool works with. It is read-only: it never sends, pays, files or signs anything for you, and it never looks up private individuals.

Not advice. General information only, not legal, tax, accounting or payment advice. Singapore CPF Contribution Calculator is an independent tool: it is not affiliated with, endorsed by or operated by any government body, central bank, standards body or scheme operator. Rates, thresholds and rules change; check the cited official source and confirm with a qualified professional before you rely on a result.

Built for: Singapore. Languages: English.

Tools

Look up & validate

list_cpf_age_bands — The five CPF age bands with employer, employee and total rates, the formulas for low wages, the ordinary wage ceiling and the rounding rule of the stored 2026 table. Use for "What are the CPF contribution rates for each age band this year?". Args: on_date.

Reference & guides

calc_cpf_contribution — Employer, employee and total CPF for one Singapore Citizen or SPR (third year onwards) for a wage month, by age band and wage bracket, with the CPF rounding rule. Use for "How much CPF do I pay for a 42-year-old earning SGD 3,200 a month?". Args: ordinary_wage, age, birth_date, wage_month, additional_wage, year_ow_subject_to_cpf.

calc_payroll_batch — CPF for a list of employees for one wage month: per-employee employer, employee and total CPF plus the monthly totals. Use for "Run CPF for my three staff for September 2026 and total what I owe and deduct.". Args: employees, wage_month.

cpf_staff_cost_estimate — Monthly cost of an employee to the employer: gross ordinary wage plus employer CPF plus any other cost you supply. Use for "What does a 58-year-old on SGD 4,500 a month really cost me including CPF?". Args: ordinary_wage, age, birth_date, wage_month, other_employer_costs.

cpf_wage_ceilings — The CPF ordinary wage ceiling, the additional wage ceiling formula (and the remaining ceiling for a given year to date) and the maximum monthly CPF per age band. Use for "What is the CPF ordinary wage ceiling and how much bonus can still attract CPF?". Args: year_ow_subject_to_cpf, on_date.

cpf_next_rate_change — The wage months in which an employee's CPF rates change with age (the month after the 55th, 60th, 65th and 70th birthday month), with the rates before and after. Use for "When do my bookkeeper's CPF rates drop after her birthday?". Args: birth_date, on_date.

Conventions

  • Read-only. Every tool reads public data or computes; nothing is written anywhere and nothing about the user is stored.
  • Result envelope. ok: true with data, or ok: false with a structured error (bad_input, not_found, upstream_error). degraded lists optional sources that were unreachable.
  • Rate limits. Free tier 60 tool calls/minute and 300/day per user (keyed on the user identifier supplied by the host agent, else client IP); Pro keys raise this. Over-limit calls return HTTP 429 with Retry-After. initialize and tools/list are never counted.

Support

agent@connectorbay.com · connectorbay.com/sg-cpf-calc/support

Privacy policy

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Singapore CPF Contribution Calculator — Privacy Policy

Effective 29 September 2026. Unify Dynamics LLC ("we", "us"), Menlo Park, California.

What Singapore CPF Contribution Calculator is. Singapore CPF Contribution Calculator is a connector (an MCP server and REST API) that AI assistants call on your behalf: Employer and employee CPF for Singapore Citizens and SPRs by age band and monthly wage, with the 2026 wage ceilings and the CPF rounding rule. You talk to your assistant; the assistant sends us only the arguments needed for that one request.

What we receive. The arguments of each tool call, the technical headers needed to serve the request (an IP address or a client identifier supplied by the assistant, and a Pro API key if you have one), and standard server logs.

Nothing is stored. Every tool is a local calculation or a lookup against bundled reference data; no request is forwarded to any third party. Arguments are used for that one response and are not logged in request bodies, recorded, or used to train anything.

What we do not receive or store. We do not receive your conversation with the assistant, your name, contacts or account credentials, and we build no profile: each request is answered independently. Rate-limit counters (a client identifier and timestamps) are held in memory for at most 24 hours. Hosting access logs (IP addresses and request paths, not request bodies) are kept for up to 30 days for security and abuse prevention.

Sub-processors. None. Hosting: Vercel (United States regions).

Your rights. Because we store no personal data beyond short-lived logs, requests to access, correct or delete data are usually satisfied automatically; you can still contact agent@connectorbay.com and we will respond within 30 days. We do not sell or share personal information.

Children. Singapore CPF Contribution Calculator is a general-audience service operated by the adult using the assistant.

Changes. We will post changes here with a new effective date.

Terms of service

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Singapore CPF Contribution Calculator — Terms of Service

Effective 29 September 2026. These terms govern use of the Singapore CPF Contribution Calculator connector ("the Service") operated by Unify Dynamics LLC ("we", "us").

  1. The Service. Singapore CPF Contribution Calculator provides: Employer and employee CPF for Singapore Citizens and SPRs by age band and monthly wage, with the 2026 wage ceilings and the CPF rounding rule. It is accessed through an AI assistant or directly over MCP or HTTP, and is read-only.
  2. General information, not professional advice. Output is general information and a drafting aid. It is not legal, tax, accounting, financial or payment advice, and it is not a filing or a payment instruction. General information only, not legal, tax, accounting or payment advice. Singapore CPF Contribution Calculator is an independent tool: it is not affiliated with, endorsed by or operated by any government body, central bank, standards body or scheme operator. Rates, thresholds and rules change; check the cited official source and confirm with a qualified professional before you rely on a result.
  3. Independent. Singapore CPF Contribution Calculator is independent; not affiliated with, endorsed by or operated by any government body, central bank, standards body or scheme operator. Official names are used only to describe what a tool works with.
  4. Sources and dates. Reference values state their source, date and validity period. Rules change: check the cited official source before you rely on a result.
  5. Acceptable use. Automated use within the published rate limits is welcome. Do not use the Service to look up private individuals or to circumvent any authority's controls.
  6. Availability. The Service is provided "as is" without warranty. We may change, limit or discontinue it at any time.
  7. Data. Our Privacy Policy describes what we process. In short: your input is answered on our server and nothing is stored.
  8. Pro keys. Optional Pro API keys are issued at our discretion, are personal to the holder and may be revoked for abuse.
  9. Liability. To the fullest extent permitted by law, Unify Dynamics LLC is not liable for any loss arising from use of or reliance on the Service. Our total liability is limited to US $100.
  10. Governing law. California law; venue in San Mateo County, California.
  11. Contact. Unify Dynamics LLC · agent@connectorbay.com · https://connectorbay.com/sg-cpf-calc

Support

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Singapore CPF Contribution Calculator support

Email agent@connectorbay.com. We answer within two business days.

When you report a problem, include the question you asked your agent, roughly when, and which agent you used (for example Claude, ChatGPT or Gemini). Never send us passwords, account numbers or ID numbers. Singapore CPF Contribution Calculator never asks for them.

Get Singapore CPF Contribution Calculator

Free · No sign-in · Read-only

Streamable HTTP, stateless, no authentication. Paste the endpoint into any MCP-capable agent.

https://sg-cpf-calc.connectorbay.com/mcp
{
  "mcpServers": {
    "sg-cpf-calc": {
      "type": "http",
      "url": "https://sg-cpf-calc.connectorbay.com/mcp"
    }
  }
}