Singapore CPF MediSave Employee Contribution 2026 Calculator
Calculate the MediSave (MA) portion of your monthly CPF contribution in Singapore for 2026 — 8% allocation under 35, scaling to 10.5% from age 60, plus the S$74,500 Basic Healthcare Sum (BHS) ceiling that diverts excess to other accounts.
MediSave Allocation by Age
CPF allocates the MediSave (MA) portion as a fraction of total CPF contribution, with rate increasing as you age. Under 35: 8% of OW. Age 36-45: 9%. Age 46-50: 9%. Age 51-55: 10%. Age 56-65: 10.5%. Above 65: 10.5%. The rationale: older workers face higher healthcare costs and need a faster MA build-up before retirement. MediSave funds may only be used for approved medical purposes — MediShield Life premiums, hospital bills under PMB schemes, and approved outpatient.
The BHS Ceiling
Once your MediSave balance hits the Basic Healthcare Sum (BHS) — S$74,500 for 2026, increased annually — any further MA-allocated CPF overflows to your Ordinary Account (OA) or Special Account (SA) per existing rules. The BHS is set high enough to cover lifetime healthcare needs at projected costs. Workers who hit BHS early in their career see their MA flow shift, often boosting OA which is then deployable for property.
MediSave vs MediShield Life
MediSave is your individual account; MediShield Life is the national basic health insurance scheme — premiums for MSHL are deducted automatically from your MA each year. For 2026, MSHL premiums range S$130 (age <40) to S$2,300+ (age 80+), with subsidies for low-income. Above MSHL, many opt for Integrated Shield Plans (IPs) covering private hospitals; the basic IP premiums are MediSave-payable up to limits, but the rider portion must be paid cash.
Self-Employed MA Contribution Rules
Self-employed earning over S$6,000 annually must contribute to MediSave (not OA/SA). Rates: 8% under 35, scaling to 10.5% over 50, capped at S$5,760/year for low income, but unlimited for higher income up to the BHS. Mandatory by 30 April for the prior year. Failure to contribute attracts late payment interest at 1.5%/month and prevents tax relief on the missed contribution.
Sources: cpf.gov.sg, iras.gov.sg, mom.gov.sg, hdb.gov.sg. Last updated: May 2026.
Frequently Asked Questions
What is the 2026 BHS for MediSave?
S$74,500 for active CPF members turning 65 in 2026. Higher for older cohorts (frozen at the BHS in effect when you turned 65). Increased annually for cohorts not yet at 65.
What happens when MA hits the BHS ceiling?
New MA contributions overflow first to SA (if SA is below the Full Retirement Sum), then to OA. The overflow continues to earn the higher SA interest rate as long as it stays in SA.
Can I use MediSave for parents' bills?
Yes, for approved spouse and dependent uses including parents, grandparents, and children. Subject to MediSave Withdrawal Limit (MWL) per year per patient (around S$15,000 for outpatient).
Are MediShield Life premiums deducted from MA?
Yes, automatically each year. MA may also pay Integrated Shield Plan basic premiums but not the rider portion which must be paid cash.
Is this tool private?
Yes. All calculations stay in your browser. Salary and balance data are never sent, stored, or shared.