2026 Rates

CPF Contribution Calculator Singapore

See your monthly CPF contributions and OA/SA/MA allocation. Uses official CPF Board rates effective 1 January 2026.

CPF Contribution Calculator

S$

Age band: ≤35

Employee (20%)

S$1,200.00

Employer (17%)

S$1,020.00

Total (37%)

S$2,220.00

Monthly Account Allocation

Ordinary Account (OA)
23%S$1,380.00
Special Account (SA)
6%S$360.00
MediSave Account (MA)
8%S$480.00

Annual CPF Total

S$26,640

Monthly Take Home

S$4,800

Allocation split

OA
SA
MA

2026 CPF Contribution Rate Table

Age BandEmployeeEmployerTotalOASAMA
≤3520%17%37%23%6%8%
36-4520%17%37%21%7%9%
46-5020%17%37%19%8%10%
51-5520%17%37%15%11.5%10.5%
56-6018%16%34%12%0%10.5%
61-6512.5%12.5%25%3.5%0%10.5%
66-707.5%9%16.5%1%0%10.5%
>705%7.5%12.5%1%0%10.5%

For employees earning above $750/month. OW ceiling: $8,000/month from 1 Jan 2026. Source: CPF Board.

Key CPF Facts for 2026

OW Ceiling: $8,000/month

CPF contributions are calculated on the first $8,000 of monthly salary. Earnings above this are not subject to CPF.

AW Ceiling: $102,000/year

Bonuses and variable payments are subject to CPF up to $102,000 minus total ordinary wages subject to CPF in the year.

Interest Rates

OA earns 2.5% p.a., SA/MA/RA earn 4% p.a. Extra 1% on first $60K of combined balances (extra 1% on first $30K for 55+).

BRS/FRS/ERS 2026

Basic Retirement Sum: $110,200. Full Retirement Sum: $220,400. Enhanced Retirement Sum: $440,800.

Frequently Asked Questions

What happens to my CPF when I turn 55?
At 55, your Special Account (SA) closes and the balance is transferred to your Retirement Account (RA). Your RA is used to fund CPF LIFE payouts from age 65. Your OA and MA continue to receive contributions. You can withdraw any balance above the Full Retirement Sum from your RA.
Can I use OA for housing?
Yes. You can use your OA balance to pay for HDB flat purchases, private property purchases (with restrictions), and monthly mortgage instalments. However, when you sell the property, you must refund the amount used plus 2.5% accrued interest to your OA.
What is CPF LIFE?
CPF LIFE (Lifelong Income For the Elderly) provides monthly payouts starting from age 65 for life. The payout amount depends on your RA balance and which plan you choose: Basic (lower payouts, higher bequest), Standard (balanced), or Escalating (starts lower, increases 2% annually).
How do I top up my CPF?
You can make voluntary cash top-ups to your SA (if below 55) or RA (if 55+) under the Retirement Sum Topping-Up Scheme (RSTU). You get tax relief of up to $8,000 for topping up your own account and another $8,000 for a family member's — up to $16,000 total per year.

Project your CPF to retirement

This calculator shows your monthly contributions. Karui projects your full CPF balance year by year — with interest compounding, LIFE payouts, and how it fits your retirement plan.

This calculator is for informational purposes only. It applies standard rates for Singapore Citizens and 3rd-year+ PRs. Rates for 1st and 2nd year PRs, self-employed persons, and employees with multiple employers may differ. Consult CPF Board for official calculations.

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