PSG Support Ends Sep 29! Get 1-Year FREE AdaptivePay Subscription. SFEC Support Ends Nov 30, 2026. (T&C Apply)
PSG Support Ends Sep 29! Get 1-Year FREE AdaptivePay Subscription. SFEC Support Ends Nov 30, 2026. (T&C Apply)
Automate CPF Calculation with Your Payroll & Submission
Calculating CPF manually every month risks wrong rates, incorrect wage ceilings and duplicate data entry. Adaptive Pay brings CPF calculation into your normal payroll workflow — and submits directly to CPF Board.
Automatic CPF by employee age, status & SPR year
Separate OW and AW ceiling handling for 2026
Direct CPF submission to CPF Board
SDL calculated alongside CPF in the same run
Connected to attendance, overtime and leave
Adaptive Pay connects GPS attendance with roster, overtime calculation and payroll making it stronger than a standalone attendance app that doesn’t integrate with pay.
Employee age band
SPR year/status
OW ceiling (S$8,000 in 2026)
Citizenship / PR status
Ordinary Wages vs Additional Wages
Year-to-date AW ceiling tracking
CPF starts with payroll, but payroll depends on attendance, OT, leave and claims. Adaptive Pay keeps it all connected.
Employee Details
Age, status, citizenship, SPR year
Attendance & Overtime
Hours worked, OT, shift allowances
Payroll Calculation
OW, AW, deductions, allowances
CPF Calculation
Employer + employee CPF by rate band
Payroll Review
HR validates before finalising
CPF Submission
Direct submission to CPF Board
Looking for complete salary processing, payslips, bank files, attendance integration and statutory payroll management? Explore our Payroll Software Singapore.
Salary Processing
Payslip Management
Bank File Processing
Payroll Analytics
Statutory Management
Attendance Integration
For Singapore Citizens and applicable Singapore Permanent Residents (SPRs) earning above S$750 per month. CPF rates vary by age, citizenship/PR status and SPR year. Refer to CPF Board’s prevailing contribution tables for applicable rates.
Note: Rate increases from 1 January 2027
CPF Board has announced contribution rate increases for employees aged 55–65 effective 1 January 2027. Using maintained payroll software reduces the need to manually rebuild contribution formulas when rates change.
Ordinary Wage (OW) Ceiling: S$8,000 per Month in 2026
CPF applies only to Ordinary Wages up to S$8,000 per month. Additional Wages have a separate annual ceiling. Adaptive Pay handles both within payroll.
Simplify CPF compliance, automate payroll, and manage your workforce seamlessly across every site.
Automated CPF Calculation
Calculate CPF automatically during payroll processing for every employee.
Direct CPF Submission
Submit CPF information directly to CPF Board from the payroll platform.
Integrated HR & Payroll
Employee, attendance, leave, claims and payroll information stay connected.
Overtime to Payroll
Calculated OT flows into payroll — no duplicate entry required.
Singapore-Focused Payroll
Manage CPF alongside SDL and other Singapore statutory requirements.
IVY AI Payroll Insights
IVY AI highlights payroll exceptions and items needing attention.
Employee Self-Service
Employees access payslips and payroll info through Adaptive Pay.
Stay Current with Rate Changes
Maintained software reduces manual formula rebuilds when CPF rates change.
CPF starts with the payroll amount — but payroll depends on attendance, working days, overtime, shift allowances, leave and claims. Adaptive Pay connects all these upstream processes to payroll and CPF.
Especially useful for construction, shift-based and operational workforces where payroll varies significantly month to month.
Attendance
Working days
Overtime
Shift allowances
Leave
Claims
One employee record. One payroll process. Connected Singapore compliance with CPF, IRAS, MOM and more.
Employee data to Singapore compliance
Get instant HRMS insights, analyse data, identify anomalies, and validate payroll-impacting information — all within Adaptive Pay. Gain quick visibility into employee records, attendance, leave, claims, and payroll data.
HR Assistance
Real-time Reports
Smart Insights
Request a Personalized Quote
Fill in the details below and our HR consultants will contact you shortly.
Expert Consultation
Speak with our HR specialists about your specific needs.
Customized Demo
See how AdaptivePay fits into your existing workflow.
Detailed Proposal
Receive a transparent, itemized quote for your business.
SMEs are eligible for up to 50% Productivity Solutions Grant (PSG) support for the adoption of Adaptive Pay, a Pre-Approved solution under the IMDA SMEs Go Digital programme.
Find answers about CPF payroll software, automated CPF calculation, Singapore Permanent Resident contributions, wage ceilings and CPF submission with Adaptive Pay.
CPF payroll software calculates employee and employer CPF contributions as part of payroll processing. A Singapore-focused system should take relevant employee and wage information into account and help employers prepare or submit CPF contribution information.
Yes. Adaptive Pay calculates CPF automatically as part of payroll processing, using employee and salary information maintained within the HRMS.
Yes. Adaptive Pay supports direct CPF data submission to CPF Board as part of its Singapore payroll capabilities.
CPF contribution requirements can depend on factors including employee age, citizenship or Permanent Resident status, SPR year/status, wages and applicable wage ceilings. CPF Board publishes the official contribution tables employers should follow.
CPF Board’s 2026 contribution tables use an Ordinary Wage ceiling of $8,000 per month.
No. CPF contribution rates can vary according to factors such as employee age and residency status. Different rules also apply to certain Singapore Permanent Residents.
Adaptive Pay supports Singapore payroll processing based on employee statutory information. Your implementation should ensure the employee’s applicable SPR status and contribution arrangement are correctly configured before payroll is processed.
Yes. Adaptive Pay integrates attendance and overtime with payroll. Once payroll earnings are determined, the applicable payroll and CPF calculations can be processed within the same workflow.
Yes. Adaptive Pay’s payroll system supports CPF, SDL and applicable statutory payroll calculations.
Yes. Automating CPF calculation can be particularly useful for SMEs that otherwise depend on spreadsheets and manual payroll preparation each month.
Yes. Adaptive Pay’s wider Singapore payroll platform supports IRAS AIS-related processes and MOM OED integration in addition to CPF.
Not exactly. CPF Payroll Software focuses specifically on calculating and submitting CPF-related information. One-Stop Payroll has a broader regulatory scope involving payroll-related submissions across agencies such as CPF Board, IRAS and MOM.
Yes. Adaptive Pay handles Ordinary Wages and Additional Wages as part of payroll processing and tracks the applicable CPF wage ceilings based on prevailing CPF requirements.
Enquire now to learn how we can build a solution for your business needs or speak with us for a free demo.
SMEs are eligible for up to 50% Productivity Solutions Grant (PSG) support for the adoption of Adaptive Pay, a Pre-Approved solution under the IMDA SMEs Go Digital programme.
A smarter way to manage payroll, attendance, claim and appraisals – all in one seamless platform
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