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Your employee’s CPF contribution rates will change from the first day of the month after the month of their 55^th, 60^th, 65^th or 70^th birthday. This is because on their birthday, your employee is considered to have just turned the relevant age and remains in their current age group for that month. From the following month onwards, they will move into the next age group and the new contribution rates will apply.

 

Your employee's 55^th birthday falls on 13 January 2026.

 

	For wages earned in January 2026	For wages earned in February 2026
Age group	55 years and below	Above 55 to 60 years
Total contribution rate	37% of total wages (>$750)	34% of total wages (>$750)
Employer and Employee share	Employer share: 17% Employee share: 20%	Employer share: 16% Employee share: 18%

Since your employee's birthday falls in January 2026, the new contribution rates will apply from 1 February 2026 onwards.