Singapore CPF Calculator (2026)

Calculate employee & employer CPF monthly contributions and allocation to OA, SA & MediSave accounts.

S$
Capped at Ordinary Wage ceiling (S$8,000 / mo).
S$ 0 Monthly Net Take-Home Pay (After Employee CPF)
Employee CPF Deduction
S$ 0
Employer CPF Contribution
S$ 0
Total Monthly CPF Deposited
S$ 0
Total Employer Package Cost
S$ 0

Estimated Monthly Account Allocation

Ordinary Account (OA - Housing)
S$ 0
Special Account (SA - Retirement)
S$ 0
MediSave Account (MA - Health)
S$ 0

Singapore Central Provident Fund (CPF) System Guide

The Central Provident Fund (CPF) is a mandatory social security savings scheme funded by contributions from employers and employees in Singapore.

CPF Contribution Rates & OW Salary Ceiling

The Ordinary Wage (OW) monthly ceiling is S$8,000 per month in 2026. Contributions apply to gross salary up to this cap.

Account Breakdown

  • Ordinary Account (OA): Used to pay for HDB/Private property mortgages, tuition fees, and approved investments. Earns up to 2.5% p.a. interest.
  • Special Account (SA): Reserved for retirement savings and financial products. Earns up to 4.0% p.a. interest.
  • MediSave Account (MA): Reserved for hospitalization, MediShield Life premiums, and approved medical expenses. Earns up to 4.0% p.a. interest.

Frequently Asked Questions

What are the Singapore CPF rates for under 55?+

For Singapore Citizens aged 55 and below: Employee pays 20% and Employer pays 17% (Total 37%).

What is the monthly CPF ceiling in 2026?+

The monthly Ordinary Wage (OW) ceiling is S$8,000 per month.