The quick version · keep this
- CPF applies to citizen and PR staff, at rates by age and pay.
- Get the employer and employee split right.
- Pay on time to avoid penalties.
- Keep payroll and books together.
01
Know who counts
CPF applies to your Singapore citizen and PR staff. Rates depend on age and pay.
02
Work out CPF correctly
There's an employer share and an employee share. Getting the split and the rate right is the part people trip on.
03
Pay on time
CPF has deadlines. Late means penalties, so build it into your monthly rhythm.
04
Keep it with your books
If payroll lives in a separate tool, you'll copy numbers by hand. Keep it in your accounting so it's done once.
Punctual does this bit
Punctual runs payroll with CPF handled and lands it straight in your books.
Terms in this guide