Singapore CPF Calculator 2026
Singapore CPF (Central Provident Fund) is a mandatory savings scheme covering retirement, healthcare, and housing. This calculator estimates 2026 employee and employer monthly contributions across Ordinary, MediSave, and Special Accounts using the $7,400 Ordinary Wage ceiling.
| Ordinary Wage (capped at $7,400) | — |
| Employee rate | — |
| Employer rate | — |
| Account allocation (total) | |
| Ordinary Account (OA) | — |
| Special Account (SA / RA after 55) | — |
| MediSave Account (MA) | — |
| Total CPF / month | — |
| Annual CPF | — |
Singapore CPF (Central Provident Fund) is a mandatory savings scheme that funds retirement, healthcare, and housing for citizens and permanent residents. In 2026, the Ordinary Wage ceiling is S$7,400 per month — contributions are capped above this amount. Rates split between employee and employer and vary by age band and citizenship status.
How 2026 CPF Rates Work
For Singapore Citizens and 3rd-year PRs aged 55 and below, the total CPF contribution is 37% of Ordinary Wages — 20% from employee and 17% from employer. Rates step down with age: 30% (above 55 to 60), 23.5% (60-65), 16.5% (65-70), and 12.5% above 70. The 2026 Ordinary Wage ceiling is S$7,400/month, rising to S$8,000 by 2026 end as part of the government's phased increase from S$6,000 (2022).
Account Allocation: OA, SA, MediSave
Each CPF dollar is split into three accounts. The Ordinary Account (OA) funds housing, education, and investment. The Special Account (SA) funds retirement (replaced by the Retirement Account at age 55). The MediSave Account (MA) funds healthcare and approved insurance premiums. Allocation shifts with age — younger workers get more in OA for housing, older workers more in MA and SA for retirement and healthcare needs.
PR Graduated Rates
New Permanent Residents pay reduced rates for the first two years to ease transition. Year 1 PR: 5% employee + 4% employer. Year 2 PR: 15% employee + 9% employer. From Year 3 onward, full Singapore Citizen rates apply. Employers and PRs can jointly opt for full rates earlier by signing a CPF Form 1A. Self-employed persons contribute only to MediSave.
Common CPF Mistakes
(1) Forgetting the Additional Wage ceiling — annual bonus over S$102,000 minus Ordinary Wages avoids CPF. (2) Missing voluntary top-ups — Retirement Sum Topping-Up Scheme gets S$8,000 tax relief on self and another S$8,000 for family. (3) Wrong PR year — full rate applies from the 3rd anniversary of PR grant, not calendar year. (4) Under-reporting overtime — overtime, commission, and allowances generally count as Ordinary Wages and trigger CPF.
Last updated May 2026. Source: CPF Board (cpf.gov.sg).