CPF calculator: what goes in each month
Enter your age and monthly salary. The answer is the CPF contribution and where it goes.
On a monthly salary of S$5,000 at 30, CPF takes each month a total of
S$1,850
That is S$1,000 from you (20% of S$5,000) and S$850 from your employer (17%), the rates for a Singapore Citizen or Permanent Resident from the third year, from 1 January 2026. The figures here are an example: replace them with yours.
- Ordinary Account
- S$1,150
- Special Account
- S$300
- MediSave Account
- S$400
What the accounts hold, in today's dollars
Contributions stop at 55.
| At age | Ordinary | Special or Retirement | MediSave |
|---|---|---|---|
| 55 (you stop), after the move | S$341,981 | S$228,200 | S$79,000 |
At 55 CPF moves savings into the Retirement Account up to the Full Retirement Sum of S$228,200 (the 2027 sum, the latest CPF has published: CPF adjusts the sums each year, so yours will probably differ).
How this is worked out: the accounts earn CPF's base rates of 2.5% (Ordinary Account) and 4% (Special, Retirement and MediSave Accounts), less the 2.5% inflation you assume, so the balances are in today's dollars. The rates are CPF's floor rates, held flat (CPF has set the 4% floor until the end of 2027; the page holds it after that). A year's contributions earn half a year's interest. MediSave stops at the Basic Healthcare Sum of S$79,000 (2026, for members below 65, held at today's dollars; an older member's fixed sum is their own and is not modelled): the excess goes to the Special Account before 55 and the Retirement Account from 55, each up to the Full Retirement Sum, then to the Ordinary Account. The contribution rates, wage ceiling and allocation are the 2026 ones in every year; CPF has announced higher rates from 1 January 2027 for ages above 55 to 65, which are not used here.
Figures in Singapore dollars (S$), from the CPF Board, read on 29 October 2026. How much goes into your CPF each month from your salary and age, how it splits into the Ordinary, Special or Retirement and MediSave Accounts, and what they hold at 55 and when you stop work.
The rates CPF publishes
Contribution rates from 1 January 2026, Singapore Citizens and Permanent Residents from the third year, monthly wages above S$750, and the allocation of each contribution.
| Your age | You | Employer | Ordinary | Special or Retirement | MediSave |
|---|---|---|---|---|---|
| 35 and below | 20% | 17% | 62.17% | 16.21% | 21.62% |
| Above 35 to 45 | 20% | 17% | 56.77% | 18.91% | 24.32% |
| Above 45 to 50 | 20% | 17% | 51.36% | 21.62% | 27.02% |
| Above 50 to 55 | 20% | 17% | 40.55% | 31.08% | 28.37% |
| Above 55 to 60 | 18% | 16% | 35.3% | 33.82% | 30.88% |
| Above 60 to 65 | 12.5% | 12.5% | 14% | 44% | 42% |
| Above 65 to 70 | 7.5% | 9% | 6.07% | 30.3% | 63.63% |
| Above 70 | 5% | 7.5% | 8% | 8% | 84% |
The three account columns are the share of each contribution, as CPF's allocation table gives them. CPF changes your rate from the month after the birthday that takes you into the next age band, so the page uses the rate for the age you have reached. Not modelled: extra interest, a Basic Healthcare Sum that rises each year, bonuses and additional wages, a Permanent Resident's first two years, graded rates for wages of S$750 or less, self-employed MediSave and housing withdrawals.
What the sums at 55 are and what they pay: see CPF retirement sums and the CPF LIFE calculator; the pot you need to stop early is on retire early in Singapore.
Questions people ask
- How much CPF is deducted from my salary?
- It depends on your age. For a Singapore Citizen or Permanent Resident from the third year, from 1 January 2026, you pay 20% of your monthly wage and your employer adds 17% if you are 55 or below, 37% in all. The rates fall in the age bands above 55. They apply to wages up to the Ordinary Wage ceiling of S$8,000 a month, and CPF's table is for monthly wages above S$750.
- How is the CPF contribution split between the accounts?
- By ratios that depend on your age. CPF works out the MediSave share first, then the Special Account share (the Retirement Account from 55), and the rest goes to the Ordinary Account. The table above shows each ratio for each age band.
- What happens to my CPF at 55?
- CPF opens your Retirement Account and moves your Special Account, then Ordinary Account, savings into it up to the Full Retirement Sum. From then your contributions go to the Retirement Account until it holds the Full Retirement Sum, then to the Ordinary Account. The balances at 55 on this page are after that move.
- Is the CPF calculation in today's dollars?
- Yes. The accounts earn CPF's base interest rates less the inflation you assume, and your salary rises by the real pay rise you assume (no rise holds it at today's dollars), so the balances are in today's money, not the larger dollars of the year you reach them.
Sources, read on 29 October 2026, from the CPF Board: How much CPF contributions to pay, What is the Ordinary Wage ceiling? and What are the CPF allocation rates?, CPF interest rates and the Ministry of Health's release on the Basic Healthcare Sum for 2026. Education, not financial advice.