CPF Calculator (Singapore, 2026)
Work out your monthly CPF contribution by age, see how it splits across your Ordinary, Special and MediSave accounts, and project your balances toward the retirement sums — all on official 2026 rules.
Open the free calculator →Your CPF contribution is the single biggest automatic transfer most Singaporeans make each month, yet the age bands, wage ceilings and account splits change often enough that a quick estimate is genuinely useful. This calculator applies the 1 January 2026 contribution and allocation rules so you can see, for your own wage and age, how much goes in and where it lands.
What this calculator does
- Calculates the total monthly CPF contribution and your employee/employer shares, using official 2026 rates and rounding.
- Splits each month's contribution across your Ordinary Account (OA), Special or Retirement Account (SA/RA) and MediSave Account (MA) by your age band.
- Projects your balances year by year, including the extra interest tiers, and tracks progress toward the Basic, Full and Enhanced Retirement Sums.
What you'll need
- Your date of birth or age
- Your monthly wage (and any annual bonus, for the Additional Wage ceiling)
- Your citizenship status (Citizen, or PR year 1 / year 2 / year 3+)
- Optionally, your current OA/SA/MA balances for the projection
2026 CPF contribution rates by age
| Age band | Employee | Employer | Total |
|---|---|---|---|
| 55 and below | 20% | 17% | 37% |
| Above 55 to 60 | 16% | 18% | 34% |
| Above 60 to 65 | 12.5% | 12.5% | 25% |
| Above 65 to 70 | 9% | 7.5% | 16.5% |
| Above 70 | 7.5% | 5% | 12.5% |
The senior-worker bands (55–65) rose again on 1 January 2026 and are scheduled to rise once more on 1 January 2027. The calculator applies whichever schedule is in force for the year you are projecting.
Wage ceilings
CPF is only charged on wages up to two ceilings:
- Ordinary Wage (OW) ceiling: $8,000/month from 1 January 2026 — the final step of the phase-up that began in September 2023.
- CPF Annual Salary Ceiling: $102,000 — the total Ordinary plus Additional Wages that attract CPF in a year. Your Additional Wage (bonus) ceiling for the year is $102,000 minus the Ordinary Wages already subject to CPF.
How your CPF is split across accounts
Every dollar of contribution is allocated across your three accounts by age. Younger members send the largest share to the Ordinary Account (used for housing, insurance and investment); older members send progressively more to the Special/Retirement and MediSave accounts. As a guide, the 2026 allocation for members aged 35 and below is:
| Account | Share of contribution |
|---|---|
| Ordinary Account (OA) | ≈ 62.17% |
| Special Account (SA) | ≈ 16.21% |
| MediSave Account (MA) | ≈ 21.62% |
From age 55 the Special Account is closed and its allocation flows to the Retirement Account, which funds your CPF LIFE payouts. MediSave is capped at the Basic Healthcare Sum ($79,000 in 2026); once it is full, the overflow is redirected to your other accounts.
Extra interest
CPF pays a floor of 2.5% on the Ordinary Account and 4% on the Special, Retirement and MediSave accounts, plus extra interest to boost retirement savings:
- Below 55: +1% on the first $60,000 of combined balances (with the OA portion capped at $20,000).
- 55 and above: +2% on the first $30,000 and +1% on the next $30,000 of combined balances.
Worked example
A 30-year-old Singapore Citizen earning $5,000/month contributes a total of $1,850 to CPF each month — $1,000 from the employee (20%) and $850 from the employer (17%). Of that, roughly $1,150 goes to the OA, $300 to the SA and $400 to MediSave. Because the wage is below the $8,000 ceiling, the full salary attracts CPF.
Important assumptions and cases not fully modelled
- Figures use official rates and CPF's rounding convention, but are estimates for planning — your actual statement is authoritative.
- Wages of $750/month or less follow graduated low-wage rates that this tool flags rather than computes precisely — use the official CPF calculator for those.
- New PRs move from first-year to second-year to full rates over their first two years; select the status that applies to you.
- Voluntary contributions, top-ups and their tax relief are handled in the SRS and Retirement tools, not here.
- Interest for future years beyond officially announced periods is a stated planning assumption, not a CPF figure.
Official sources and verification
- CPF Board — How much CPF contributions to pay
- CPF Board — Ordinary Wage ceiling ($8,000 from 2026)
- CPF Board — CPF interest rates and extra interest
Direct links to the relevant official pages. Rules and rates change; last checked 9 July 2026. Always confirm against the official source.
Open the free calculator →Frequently asked questions
How much CPF do I contribute each month in 2026?
If you are a Singapore Citizen aged 55 or below, the total CPF contribution is 37% of your monthly wage (20% from you, 17% from your employer), applied on wages up to the Ordinary Wage ceiling of $8,000 a month from 1 January 2026. Rates step down with age: 34% for 55–60, 25% for 60–65, 16.5% for 65–70 and 12.5% above 70.
What is the 2026 CPF salary ceiling?
The Ordinary Wage ceiling is $8,000 per month from 1 January 2026. The total wage subject to CPF in a year (Ordinary plus Additional Wages) is capped by the CPF Annual Salary Ceiling of $102,000.
How is my CPF split across OA, SA and MediSave?
Contributions are allocated across your Ordinary (OA), Special (SA) and MediSave (MA) accounts by age. For members aged 35 and below in 2026, roughly 62% goes to OA, 16% to SA and 22% to MA. The Special Account is closed for members aged 55 and above, whose allocation flows to the Retirement Account instead.
What is the difference between this and the CPF LIFE calculator?
This CPF calculator focuses on contributions, the OA/SA/MA split and your balance projection. The CPF LIFE calculator focuses on the retirement sums (BRS/FRS/ERS) and the illustrative monthly payouts you receive from age 65.