Preparation and Filing of CPF


If you are a Singapore employer, you are required to make CPF contributions for your employees. This helps your employees meet their retirement, housing and healthcare needs. Different CPF contribution and allocation rates are applied on different age groups to ensure the employability of workers and to meet employees’ needs at various stages of their lives respectively. Information about these contributions is submitted in the monthly CPF Return.

With the rising life expectancy of Singaporeans from 81.4 years to 82.8 years today, the government introduced the CPF LIFE in 2009. CPF Lifelong Income for the Elderly (LIFE) is a national annuity scheme that allows you to receive a monthly income for the whole of your retirement life, starting from your payout eligibility age. The more you have in your CPF accounts, the more income you will have when you retire. 

Why Should You File for Your Singapore CPF Savings?

CPF savings can help provide for your basic needs during retirement. Your CPF contributions accumulate during your working life. When you reach 55 years old, your Special and Ordinary Account savings, up to the Full Retirement Sum (FRS), will be transferred to a Retirement Account.

You earn risk-free interest on your CPF savings, at higher rates than from banks.

CPF also helps you reduce your taxable income. Compulsory CPF Contributions relating to employment in Singapore are not taxable. General CPF reliefs available to ALL taxpayers include:

  • CPF Cash Top Up Relief
  • CPF Relief
  • CPF/Provident Fund Relief: For Employees Only,
  • CPF/Provident Fund Relief: For Self-Employed/ Employee who is also Self Employed
  • CPF/Provident Fund Relief: Compulsory and Voluntary Medisave Contribution

Monthly CPF Filing

As an employer, we strongly encourage you to file your returns electronically via the CPF e-Submission service. This return contains a breakdown of all the CPF contributions payable for each employee and must be submitted within 14 days of the end of the month. If the 14th falls on a weekend or public holiday, payment must be made by the next working day.

To minimize manual labour and errors involved in the conventional labour-intensive method of transcribing data by data entry officers, Central Provident Fund Board (CPFB) began actively promoting the use of e-submissions in 2000 to cater for the different needs various employer segments.

We strongly recommend that you also finalise your CPF Return as part of your month-end procedures but before starting the submission process, please ensure that you have finalised all payslips. This will allow the system to track changes or additions to payslips in that month and automatically generate updated versions of your submission documents if you need to re-submit. In addition, it will provide you with an audit trail of the changes or additions.

What is CPF e-Submission?

CPF e-Submit@web is a free web-based application for employers to submit their employees’ CPF contribution details and pay electronically.

​You can register online for CPF e-Submit@web. Alternatively, you may complete the Apply for CPF e-Submission Service (Employers) and send it to:

Central Provident Fund Board

Robinson Road

P.O. Box 3060

Singapore 905060   

Alternatively, you can email a scanned copy of the completed form to [email protected]

While the application is being processed, you may continue to submit your contribution with your current submission mode.

How Can We Help?

Do you want to beat the deadline for monthly submission of CPF, and ensure accurate preparation and filing of the same? Tianlong Services Pte. Ltd experts are ready to help you obtain your CPF Submission Number (CSN) and thereafter, apply for CPF e-Submission for future e-filing and contributions of CPF to the CPF accounts of your employees.





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You will get a month’s worth of bookkeeping. Whether or not you continue with us, your reports for the month are yours to keep.