Know Exactly Where Your CPF Goes
9 calculators for contributions, take-home pay, retirement sums, CPF LIFE payouts, and tax relief — all verified against official 2026 CPF Board rates.
CPF Contribution Calculator
Enter your monthly salary and age — see exactly what lands in your bank account, what your employer adds, and how it splits across OA, SA, and MediSave. Updated for the 2026 Ordinary Wage ceiling of $8,000.
See Your Take-Home Pay & CPF Splitarrow_right_altAll CPF Calculators
CPF Contribution Calculator
See your exact take-home pay, employer contribution, and OA/SA/MA split. Updated for the $8,000 OW ceiling.
CPF Allocation Calculator
Find out how much flows into your OA for housing, SA for retirement, and MA for healthcare — by your age bracket.
CPF LIFE Payout Calculator
Find out how much you'll receive every month from CPF LIFE — compare Standard, Escalating, and Basic plans side by side.
CPF Retirement Sum Calculator
Know your BRS ($106,500), FRS ($213,000), or ERS ($426,000) target based on the year you turn 55. Plan how much to set aside.
CPF Interest Calculator
See how much your CPF earns you per year — including the extra interest on your first $60,000 that most people don't realize they're getting.
CPF Housing Withdrawal Calculator
Find out exactly how much of your OA you can put toward your home — and what must stay behind.
CPF Top-Up Tax Relief Calculator
See how much tax you'll save by topping up your CPF or your family member's. Up to $16,000 in total relief per year.
CPF at 55 Calculator
Turning 55 soon? See exactly what gets locked into your Retirement Account, what you can withdraw, and what's left.
CPF at 65 Calculator
Approaching 65? Compare CPF LIFE plan options, see deferral benefits, and estimate your monthly retirement income.
How CPF Really Affects Your Wallet
Every month, a chunk of your salary disappears into CPF before it even hits your bank account. Here's how it works — and why it matters more than most people think.
Both you and your employer contribute a percentage of your salary to CPF, up to the Ordinary Wage ceiling of $8,000/month (from January 2026). If you're 55 or below, that's 20% from you and 17% from your employer — a total of 37% of your wages going into CPF.
That money is split across three accounts. Your Ordinary Account (OA) earns 2.5% and can be used for housing, education, and investments. Your Special Account (SA) — or Retirement Account (RA) after 55 — earns 4.0% and is locked for retirement. Your MediSave (MA) earns 4.0% and covers hospitalisation and insurance.
From January 2026, contribution rates for workers aged 55–65 have been increased to strengthen retirement adequacy — the extra contributions flow to your RA.
Ordinary Account (OA)
Housing, insurance, education, investments
Interest: 2.5% p.a.
Special / Retirement Account
Retirement savings, CPF Life premiums
Interest: 4.0% p.a.
MediSave Account (MA)
Hospitalisation, MediShield Life, approved insurance
Interest: 4.0% p.a.
Frequently Asked Questions
What is the CPF OW ceiling in 2026?expand_more
The Ordinary Wage ceiling is $8,000/month from January 2026. CPF is calculated on a maximum of $8,000 in ordinary wages — any salary above that doesn’t attract additional CPF. Use the CPF Contribution Calculator to see your exact numbers.
How much CPF do I actually contribute?expand_more
If you’re 55 or below, you contribute 20% and your employer contributes 17%, for a combined 37%. That means on a $6,000 salary, $1,200 comes from your paycheck. Enter your salary in the CPF Contribution Calculator to see your exact take-home.
How is CPF split across my accounts?expand_more
If you’re 35 or below, roughly 62% goes to OA, 16% to SA, and 22% to MediSave. The allocation shifts as you age — more goes to MediSave and SA. Check your exact split with the CPF Allocation Calculator.
Is CPF contribution mandatory?expand_more
Yes, for all Singapore citizens and PRs earning more than $50/month. It’s not optional — but understanding your numbers is.