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.
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: May 2026.
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.