CPF Contribution Calculator
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
About CPF Contribution Calculator
The Central Provident Fund (CPF) is Singapore's comprehensive social security system that enables working Singaporeans and Permanent Residents to set aside funds for retirement. This calculator helps you understand how much CPF you and your employer contribute monthly, and how these contributions are allocated across different accounts.
CPF contributions are mandatory and calculated as a percentage of your monthly wages. The rates vary based on your age, with different allocation percentages to three main accounts: Ordinary Account (OA), Special Account (SA), and Medisave Account (MA).
This calculator uses the latest CPF contribution rates effective from 2026. It automatically calculates both employee and employer contributions based on your monthly wage and age, showing you the exact breakdown of how your CPF savings grow each month.
How to Use This Calculator
- Enter Your Monthly Wage: Input your gross monthly salary before any deductions. This should include basic salary and any fixed monthly allowances.
- Enter Your Age: Input your current age in years. CPF contribution and allocation rates change based on age brackets.
- View Results Instantly: The calculator automatically shows your employee contribution, employer contribution, total CPF contribution, and the breakdown of allocations to OA, SA, and MA accounts.
- Understand Your Accounts: Review how your contributions are distributed across the three CPF accounts, each serving different purposes for your financial future.
Note: This calculator is for estimation purposes. Actual CPF contributions may vary based on factors like CPF Ordinary Wage ceiling (currently $6,000), Additional Wage ceiling ($102,000 annually), and specific employment situations.
Understanding CPF Accounts
Ordinary Account (OA)
Use your OA savings to buy a home, pay for CPF insurance, investment, and education. Earns interest at least 2.5% per annum.
Special Account (SA)
Use your SA savings for investment in retirement-related financial products and old age. Earns interest at least 4% per annum (combined with OA up to $60,000) or 5% per annum (for amounts above $60,000 up to $200,000 for members aged 55 and above).
Medisave Account (MA)
Use your MA savings for hospitalization expenses and approved medical insurance. Earns interest at least 4% per annum.
CPF Contribution Rates (2026)
| Age Group | Employee Rate | Employer Rate | Total Rate |
|---|---|---|---|
| 55 years and below | 20% | 17% | 37% |
| 55 to 60 years | 17% | 16% | 33% |
| 60 to 65 years | 9.5% | 10.5% | 20% |
| 65 to 70 years | 7.5% | 9% | 16.5% |
| Above 70 years | 5% | 7.5% | 12.5% |
CPF Allocation Rates by Age
CPF contributions are allocated differently based on your age group. Here's how the contributions are split across the three accounts:
55 years and below
OA: 23% | SA: 6% | MA: 8%
55 to 60 years
OA: 17% | SA: 5% | MA: 11%
60 to 65 years
OA: 12% | SA: 2% | MA: 6%
65 to 70 years
OA: 3.5% | SA: 2% | MA: 11%
Above 70 years
OA: 1% | SA: 1% | MA: 10.5%
Example Calculations
Example 1: Young Professional (Age 30, Salary $4,000)
- • Employee Contribution: $800 (20%)
- • Employer Contribution: $680 (17%)
- • Total CPF: $1,480 per month
- • OA: $920 | SA: $360 | MA: $200
Example 2: Mid-Career (Age 58, Salary $5,000)
- • Employee Contribution: $850 (17%)
- • Employer Contribution: $800 (16%)
- • Total CPF: $1,650 per month
- • OA: $850 | SA: $250 | MA: $550
Example 3: Senior Worker (Age 62, Salary $3,000)
- • Employee Contribution: $285 (9.5%)
- • Employer Contribution: $315 (10.5%)
- • Total CPF: $600 per month
- • OA: $360 | SA: $60 | MA: $180
Important Notes & Limitations
CPF contributions are capped at an Ordinary Wage ceiling of $6,000 per month. Wages above this amount do not attract additional CPF contributions for ordinary wages.
Bonuses and other additional wages have separate contribution rules and annual ceilings ($102,000 for additional wages).
This calculator provides estimates based on standard CPF contribution rates. Actual contributions may vary based on specific employment situations, previous contributions, and CPF policies.
CPF accounts earn attractive interest rates. OA earns at least 2.5% per annum, while SA and MA earn at least 4% per annum. Extra interest is paid on the first $60,000 of combined CPF balances (for members 55 and below) or $30,000 (for members above 55).
Frequently Asked Questions
What is the maximum CPF contribution I can make monthly?
The maximum CPF contribution is based on the Ordinary Wage ceiling of $6,000 per month. For someone aged 55 and below, the maximum total CPF contribution would be $2,220 per month (37% of $6,000), split between $1,200 from employee and $1,020 from employer.
Can I make voluntary contributions to my CPF?
Yes, you can make voluntary contributions to your CPF accounts through various schemes like the Voluntary Contribution (VC) scheme, Retirement Sum Topping-Up (RSTU) scheme, and CPF top-ups. These voluntary contributions can provide tax relief and help you build your retirement savings.
What happens to my CPF when I turn 55?
When you turn 55, your CPF savings are transferred to your Retirement Account (RA), up to the Full Retirement Sum. You can withdraw any savings above the Full Retirement Sum. Your CPF contribution and allocation rates also change - they generally decrease as you age.
Is CPF mandatory for all workers in Singapore?
CPF contributions are mandatory for Singapore Citizens and Permanent Residents who are employed. The employer must contribute to CPF for eligible employees. Foreigners working in Singapore are generally not covered by CPF.
Can I use my CPF for housing?
Yes, you can use your CPF Ordinary Account (OA) savings to pay for your home, including down payment, monthly mortgage installments, and stamp duty. However, you'll need to refund the principal amount plus accrued interest when you sell your property or when the property is transferred.
How is CPF different from taxes?
CPF is not a tax - it's your own savings that go into your personal CPF accounts. These savings belong to you and earn attractive interest rates. You can use them for housing, healthcare, investments, and retirement. Taxes, on the other hand, go to the government for public services.
What if I earn more than $6,000 per month?
The Ordinary Wage ceiling for CPF contributions is $6,000 per month. Monthly wages above $6,000 do not attract CPF contributions on the excess amount. However, bonuses and other additional wages (up to an annual ceiling of $102,000) will still have CPF contributions.
When can I withdraw my CPF savings?
Generally, you can withdraw your CPF savings when you reach the retirement age (currently 63 years old), subject to setting aside your Full Retirement Sum. You can also make withdrawals for specific purposes like housing, education, investments, and healthcare before reaching retirement age.