Singapore CPF Contribution Calculator (OA, SA, MA)
Calculate CPF contributions for Singapore - Employee and Employer contributions with account allocation
Enter your gross monthly salary
Your current age in years
CPF Contribution Summary
Account Allocation Breakdown
In-depth guide
CPF contributions in 2026: rates, wage ceilings and where your money goes
How much you and your employer pay into CPF at each age, the $8,000 Ordinary Wage ceiling, how contributions are split between the Ordinary, Special, Retirement and MediSave accounts, the interest each earns, and what changes at 55 and 65.
Key figures at a glance
- Total contribution, age 55 and below
- 37% of wages
- 20% employee + 17% employer, for wages above $750 a month.
- Source: CPF Board
- Above 55 to 60 / above 60 to 65
- 34% / 25%
- 18% + 16% and 12.5% + 12.5% from 1 Jan 2026. Further increases for these ages are scheduled for 2027.
- Source: CPF Board
- Ordinary Wage ceiling
- $8,000 a month
- From 1 Jan 2026 (up from $7,400 in 2025). Wages above it attract no CPF.
- Source: CPF Board
- Additional Wage ceiling
- $102,000 − ordinary wages subject to CPF
- Per calendar year; applies to bonuses and other additional wages.
- Source: CPF Board
- Minimum interest rates
- 2.5% (OA) · 4% (SA, MediSave, RA)
- Plus extra interest on the first $60,000 of balances, and more from 55.
- Source: CPF Board
Your CPF from first job to retirement payouts
The main points where your contributions, accounts and choices change.
-
Step 1: Start work
First jobYour employer deducts your share from your pay and adds its own each month. Check your payslip: the CPF lines should match this calculator for wages above $750.
-
Step 2: Use the Ordinary Account for a home
When you buyOA savings can pay the downpayment, stamp duty and monthly instalments. What you use, plus the interest it would have earned, is refunded to CPF when you sell.
-
Step 3: Grow your retirement savings
Any timeVoluntary top-ups to your SA/RA earn at least 4% and can qualify for tax relief, up to annual limits.
-
Step 4: Turn 55
Age 55Your Retirement Account is created from SA and then OA savings, up to the Full Retirement Sum. The SA closes, and you can withdraw savings above the FRS (or at least $5,000).
-
Step 5: Contribution rates step down
From 55 to 70Total rates fall with age to keep older workers employable; the split shifts towards the RA and MediSave.
-
Step 6: CPF LIFE payouts
From 65Monthly payouts start from the payout eligibility age of 65 and continue for life. You can defer them to 70 for higher payouts.
How much goes in each month
CPF is a percentage of your monthly ordinary wages (salary, allowances) up to the Ordinary Wage ceiling. Rates from 1 January 2026, for Singapore Citizens and third-year-onwards PRs earning more than $750 a month:
| Age | Employee | Employer | Total |
|---|---|---|---|
| 55 and below | 20% | 17% | 37% |
| Above 55 to 60 | 18% | 16% | 34% |
| Above 60 to 65 | 12.5% | 12.5% | 25% |
| Above 65 to 70 | 7.5% | 9% | 16.5% |
| Above 70 | 5% | 7.5% | 12.5% |
Below $750 a month, rates are graduated: employers still pay their share above $50, and employees start paying from $500. First- and second-year PRs also have lower graduated rates unless they opt in to full rates.
The wage ceilings
- Ordinary Wage ceiling: $8,000 a month in 2026. A $10,000 salary attracts CPF only on $8,000, so the most an under-55 employee and employer pay together is $2,960 a month ($1,600 + $1,360).
- Additional Wage ceiling: $102,000 minus the ordinary wages that attracted CPF in the year. It covers bonuses and other non-monthly pay.
Where the money goes
Each month's contribution is split between accounts. The split depends on your age:
| Age | Ordinary (OA) | Special (SA) / Retirement (RA) | MediSave (MA) |
|---|---|---|---|
| 35 and below | 62.17% | 16.21% (SA) | 21.62% |
| Above 35 to 45 | 56.77% | 18.91% (SA) | 24.32% |
| Above 45 to 50 | 51.36% | 21.62% (SA) | 27.02% |
| Above 50 to 55 | 40.55% | 31.08% (SA) | 28.37% |
| Above 55 to 60 | 35.30% | 33.82% (RA) | 30.88% |
| Above 60 to 65 | 14.00% | 44.00% (RA) | 42.00% |
| Above 65 to 70 | 6.07% | 30.30% (RA) | 63.63% |
| Above 70 | 8.00% | 8.00% (RA) | 84.00% |
Shares are of the total contribution. For a 30-year-old earning $5,000, the $1,850 total becomes about $1,150 OA, $300 SA and $400 MediSave.
- OA — housing, education, approved investments; earns at least 2.5%.
- SA (under 55) and RA (55 and above) — retirement; earn at least 4%. The SA closed for members 55 and above in January 2025, so their "SA share" goes to the RA, and to the OA once the Full Retirement Sum is set aside.
- MediSave — hospital bills, MediShield Life and approved insurance; earns at least 4%.
Tip: CPF is calculated on wages you actually receive each month. A bonus is an additional wage, so it does not raise this month's ordinary-wage CPF above the $8,000 ceiling — it is counted under the Additional Wage ceiling instead.
Extra interest
On top of the base rates, CPF pays an extra 1% on the first $60,000 of combined balances (with no more than $20,000 from the OA). From age 55, a further extra 1% applies on the first $30,000, so part of the RA can earn up to 6%.
Common mistakes
- Using last year's ceiling. It was $7,400 in 2025 and is $8,000 in 2026.
- Assuming the under-55 rate applies after 55. Totals fall to 34% and then 25%.
- Expecting CPF on income above the ceiling each month.
- Treating CPF as a tax. It is your own savings, earning interest.
Related tools
- Take-home pay calculator — salary after CPF and tax.
- Payroll calculator — employer cost, SDL and CPF for staff.
- CPF retirement sum calculator — BRS, FRS, ERS and CPF LIFE.
- Income tax calculator — CPF top-up and other reliefs.
Frequently Asked Questions
What is the maximum monthly CPF contribution in 2026?
Ordinary wages count for CPF only up to the Ordinary Wage ceiling of $8,000 a month from 1 January 2026. For an employee aged 55 and below that means at most $2,960 a month (37% of $8,000): $1,600 from the employee and $1,360 from the employer.
What are the CPF contribution rates in 2026?
For wages above $750 a month: 37% (20% employee, 17% employer) up to age 55; 34% (18% and 16%) above 55 to 60; 25% (12.5% and 12.5%) above 60 to 65; 16.5% (7.5% and 9%) above 65 to 70; and 12.5% (5% and 7.5%) above 70.
What if I earn more than $8,000 a month?
Monthly ordinary wages above $8,000 do not attract CPF. Bonuses and other additional wages still do, up to the Additional Wage ceiling of $102,000 minus the total ordinary wages subject to CPF in the year.
How is my CPF split between the accounts?
It depends on age. For someone aged 35 and below, about 62% goes to the Ordinary Account, 16% to the Special Account and 22% to MediSave. The Ordinary Account share falls with age, and from 55 the Special Account share goes to the Retirement Account instead.
What happened to the Special Account at 55?
From January 2025 the Special Account is closed for members aged 55 and above. Savings move to the Retirement Account up to the Full Retirement Sum, and contributions that would have gone to the Special Account now go to the Retirement Account.
Is CPF mandatory for all workers in Singapore?
It is mandatory for employed Singapore Citizens and Permanent Residents earning more than $50 a month; lower graduated rates apply in the first two years of PR status and for wages of $750 or less. Foreigners on work passes do not contribute to CPF.
When can I withdraw my CPF savings?
From age 55 you can withdraw savings above your Full Retirement Sum (or at least $5,000). Monthly CPF LIFE payouts start from the payout eligibility age of 65. Before that, CPF can be used for housing, healthcare, education and approved investments.
Is CPF a tax?
No. CPF contributions go into your own accounts, earn interest of at least 2.5% (Ordinary Account) and 4% (Special, MediSave and Retirement Accounts), and are used for your housing, healthcare and retirement.
Sources
- CPF Board — Contribution changes from 1 January 2026
- CPF Board — CPF allocation rates from 1 January 2026
- CPF Board — How much CPF contributions to pay
- CPF Board — Earning attractive interest
This guide explains published rules in plain language. It is not financial, legal or official advice — rules change, so confirm with the agency linked above before you commit.
Next steps
- Singapore Take-Home Pay Calculator — See net monthly pay after 2026 employee CPF, including the $8,000 Ordinary Wage ceiling
- Singapore Payroll Calculator (Employer Cost) — See an employee’s total monthly cost to the company: employer CPF, SDL and foreign worker levy, plus employee CPF, CDAC/MBMF/SINDA/ECF and net pay
- CPF Retirement Sum Calculator (BRS / FRS / ERS) — See BRS, FRS and ERS targets for the year you turn 55, shortfall versus savings, and 2026 CPF LIFE illustrations
- CPF Home Protection Scheme Premium Estimator (HDB Mortgage Insurance) — Estimate the annual CPF Home Protection Scheme premium for an HDB loan from your age, sex, loan type, outstanding loan and term, using CPF’s own rate table
- SRS Contribution Calculator — Check the annual SRS cap, remaining room, tax-relief amount and estimated tax savings for Citizens, PRs and foreigners