Calculate your CPF in 5 seconds
Enter your salary and age — see your take-home, employer contribution, and account split instantly.
Result updates as you type
Take-home pay
$4,000
Age group: 35 and below · Employee 20.0% + Employer 17.0%
Employee
$1,000
Employer
$850
Total CPF
$1,850
Account allocation
CPF Balance Projection to 65
Projection assumes constant salary, today's contribution rates, and CPF floor interest rates (OA 2.5%, SA/RA 4%, MA 4%). Excludes extra interest on first $60k. Indicative only.
Disclaimer
This calculator provides estimates and should not be viewed as a prediction. Actual CPF contributions, allocations, and payouts may vary due to policy changes, individual circumstances, and rounding rules. It is not intended to be your sole source of financial guidance.
Rates last verified: 4 Apr 2026.
Verify with CPF Board (https://www.cpf.gov.sg). Full disclaimer at smartcalculator.sg/disclaimer.
Want a deeper breakdown? Try our specialised CPF calculators →
CPF Contribution Rates by Age (2026)
Effective 1 January 2026. Source: CPF Board. Ordinary Wage ceiling $8,000/month, Annual Wage ceiling $102,000.
| Age band | Employee | Employer | Total | OA allocation |
|---|---|---|---|---|
| 35 and below | 20% | 17% | 37% | 62.17% |
| Above 35 to 45 | 20% | 17% | 37% | 56.77% |
| Above 45 to 50 | 20% | 17% | 37% | 51.36% |
| Above 50 to 55 | 20% | 17% | 37% | 40.55% |
| Above 55 to 60 | 18% | 16% | 34% | 35.30% |
| Above 60 to 65 | 12.5% | 12.5% | 25% | 14.00% |
| Above 65 to 70 | 7.5% | 9% | 16.5% | 6.07% |
| Above 70 | 5% | 7.5% | 12.5% | 8.00% |
Above age 55, the remaining allocation goes to the Retirement Account (RA) and MediSave (MA). See the CPF Allocation Calculator for the full OA/SA(RA)/MA split.
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_altCPF Contribution Calculator
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All 12 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.
CPF 55 Withdrawal Planner (2026)
Project your CPF OA and SA balances to age 55, see how much transfers to your Retirement Account, estimate your lump-sum withdrawal, and get a CPF LIFE monthly payout range.
CPF Top-up ROI Calculator Singapore 2026
Compare CPF SA/RA top-up, SRS, unit trusts, and cash savings side by side with tax relief factored in. Find which option gives you the best after-tax return for your marginal tax bracket and time horizon.
CPF Accrued Interest Calculator (2026)
Calculate the accrued interest you must refund to your CPF OA when you sell a property.
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.
Why do I need a CPF calculator?expand_more
A CPF calculator lets you see exactly what your take-home pay will be before signing a job offer, how much CPF will be available for your downpayment when buying property, and how much you’ll have for retirement. Most Singaporeans only see CPF as a salary deduction — a calculator turns it into a planning tool for negotiations, housing decisions, and long-term financial planning.
Are the CPF calculator rates updated for 2026?expand_more
Yes. All CPF calculators on this page have been verified against the CPF Board’s January 2026 rates, including the $8,000 Ordinary Wage ceiling, the $102,000 Annual Wage ceiling, and the new contribution rates for workers aged 55–65. Verification sources are linked at the bottom of each individual calculator page.
What’s the difference between the CPF Contribution Calculator and the CPF Allocation Calculator?expand_more
The CPF Contribution Calculator shows your total monthly CPF — how much comes out of your paycheck and how much your employer adds, plus your take-home pay. The CPF Allocation Calculator focuses on the next step: how that total amount is split across your three accounts (OA, SA/RA, and MediSave). Use Contribution for take-home pay questions, and Allocation when you want to plan for housing, retirement, or healthcare savings specifically.