CPF MediSave 2026 Calculator (Singapore)
Calculate annual CPF MediSave contribution from your Singapore salary using 2026 rates and the SGD 74,500 Basic Healthcare Sum ceiling.
The CPF MediSave 2026 Calculator is a free, browser-based tool that shows how much of your Singapore salary lands in your MediSave Account this year. It applies the age-banded MA allocation rate of 8% to 10.5%, caps wages at the 2026 Ordinary Wage ceiling of SGD 8,000 a month, and reports your remaining headroom under the SGD 74,500 Basic Healthcare Sum.
How MediSave Allocation Works
MediSave (MA) is one of three CPF accounts (along with Ordinary Account and Special Account). Each month, a fixed percentage of your total CPF contribution flows to MA based on your age. The MA pays for healthcare-specific expenses, primarily MediShield Life premiums (basic national health insurance), CareShield Life premiums (long-term care insurance), approved hospital expenses, and limited outpatient treatments for chronic diseases.
Once your MA reaches the Basic Healthcare Sum (BHS — SGD 74,500 for 2026, indexed annually), excess monthly MA contributions are redirected: to your Special Account (SA) if under 55, or your Retirement Account (RA) if 55+. Source: cpf.gov.sg MediSave guidance 2026. Last updated: 2026-08-31.
2026 MA Allocation Rates by Age
| Age Band | MA Rate |
|---|---|
| ≤ 35 | 8.0% |
| 36-45 | 9.0% |
| 46-50 | 9.5% |
| 51-55 | 10.5% |
| 56-60 | 10.5% |
| 61-65 | 10.5% |
| 66-70 | 10.5% |
| 71+ | 10.5% |
Note: MA rate INCREASES with age (unlike OA which decreases) — the system protects healthcare needs that grow with age.
What MA Pays For
(1) MediShield Life premium — mandatory; SGD 130-1,950 per year by age. (2) CareShield Life premium — long-term care insurance from age 30. (3) Approved hospitalization — daily limits SGD 250-650 depending on ward class. (4) Approved outpatient treatment — chronic disease management, mental health, day surgery. (5) Approved private insurance — Integrated Shield Plan premiums (limited to MediShield Life premium equivalent). (6) Family member expenses — can use MA to pay for spouse, children, parents, and grandparents' approved care. Source: AIC and MOH guidance 2026.
MediSave for Self-Employed
Self-employed Singaporeans must contribute MediSave only (no OA/SA contributions required). 2026 self-employed MA rates: 8-10.5% of net trade income, capped by income. Pay annually with income tax return. Failure to pay MA results in 12% per annum interest charge and inability to renew business licenses. Use the MediSave Self-Employed Income Tier Calculator on cpf.gov.sg for exact amounts.
The 2026 CPF Salary Ceiling Is SGD 8,000 — and It Caps Your MediSave Too
2026 is the final step of the phased increase announced at Budget 2023: the CPF Ordinary Wage ceiling rises from SGD 7,400 to SGD 8,000 a month, so at most SGD 96,000 of annual ordinary wages attracts CPF. That ceiling is why the calculator's MediSave figure stops growing once your salary passes SGD 96,000 — a SGD 120,000 earner and a SGD 96,000 earner of the same age receive identical MA allocation from ordinary wages. Bonuses are handled separately under the Additional Wage ceiling, and total contributions across both are capped by the CPF Annual Limit of SGD 37,740. The ceiling schedule is published by the CPF Board.
| Monthly salary | OW subject to CPF | Annual MA at 8% (age ≤35) |
|---|---|---|
| SGD 5,000 | SGD 5,000 | SGD 4,800 |
| SGD 7,000 | SGD 7,000 | SGD 6,720 |
| SGD 8,000 | SGD 8,000 | SGD 7,680 |
| SGD 12,000 | SGD 8,000 (capped) | SGD 7,680 |
The practical takeaway for high earners: once ordinary wages clear the ceiling, the only levers left on MediSave are the age band you fall into and voluntary top-ups. Updated 2026-08-31.
Frequently Asked Questions
What is the 2026 MediSave allocation rate?
Depends on age: 8% for under 35, 9% for 36-45, 9.5% for 46-50, and 10.5% for 51+. This is the percentage of TOTAL CPF contribution (employer + employee combined) that flows to MediSave. Source: cpf.gov.sg Allocation Rates 2026.
What is the Basic Healthcare Sum (BHS) for 2026?
SGD 74,500. The BHS is the maximum amount you need in MediSave for retirement healthcare needs. Once your MA reaches BHS, additional contributions flow to your Special Account (or Retirement Account if 55+). BHS is indexed annually to inflation.
Can I use MediSave to pay for my parents' medical expenses?
Yes. MediSave can be used for approved medical expenses for self, spouse, children, parents, and grandparents. Common uses: hospital bills for parents, MediShield Life premiums for parents, CareShield Life premiums for parents. Family member usage has annual limits per claim type.
Does MediSave earn interest?
Yes \u2014 4% per annum base rate, with an extra 1% on the first SGD 60,000 of combined OA + SA + MA balance. This makes MA the second-highest-yielding CPF account after SA. Source: cpf.gov.sg interest rates.
What happens to MediSave when I die?
MA balance is paid out to your CPF nominees (if you have an active CPF nomination) or to your estate. Beneficiaries receive the lump sum tax-free. Nominate beneficiaries at cpf.gov.sg to avoid probate delays \u2014 by default, MA goes through court-ordered intestate distribution.
Can I top up my MediSave for tax relief?
Yes via the MediSave Top-Up Scheme. Voluntary cash top-ups to your own MA earn tax relief up to SGD 8,000 per year. Top-ups to a family member's MA earn separate tax relief up to SGD 8,000 per year (combined family tax relief cap SGD 16,000). Useful tax-planning lever for high earners above the SGD 90,000+ marginal rate band.
What is the CPF salary ceiling in 2026?
SGD 8,000 a month, up from SGD 7,400 in 2025. This is the final step of the phased increase announced at Budget 2023, so at most SGD 96,000 of annual ordinary wages attracts CPF. Bonuses fall under the separate Additional Wage ceiling, and total contributions across both are capped by the CPF Annual Limit of SGD 37,740.
Why does my MediSave stop increasing above a certain salary?
Because the Ordinary Wage ceiling caps the wages CPF is charged on at SGD 8,000 a month in 2026. Someone earning SGD 12,000 a month has the same SGD 8,000 of ordinary wages subject to CPF as someone earning SGD 8,000, so both receive the same MediSave allocation from salary — SGD 7,680 a year at the 8% rate for members aged 35 and under. Above the ceiling the only remaining levers are your age band and voluntary MediSave top-ups.