CPF Contribution Calculator
Work out your monthly CPF contribution from your salary and age, and see exactly how it splits across your Ordinary, Special/Retirement and MediSave accounts.
Ordinary Wages only. CPF applies to the first $8,000 per month.
Contribution and allocation rates step down as you get older.
Total monthly CPF
$2,136.75
37.0% of $5,775 subject to CPF
Employer share
$981.75
17.0%
Employee share
$1,155.00
20.0%
To Ordinary Account
$1,328.42
To Special Account
$346.37
To MediSave
$461.97
| Account | Share of total | Monthly amount |
|---|---|---|
| Ordinary Account (OA) | 62.2% | $1,328.42 |
| Special Account (SA) | 16.2% | $346.37 |
| MediSave Account (MA) | 21.6% | $461.97 |
| Total | 100.0% | $2,136.75 |
Estimates only. Assumes Singapore Citizen / 3rd-year-plus PR full rates on Ordinary Wages and excludes Additional Wages (bonuses), the CPF Annual Limit and graduated/pensionable schemes. Verify with the official CPF contribution calculator.
How CPF contributions work in Singapore
Every month, both you and your employer contribute a percentage of your salary to your CPF accounts. The combined rate is 37% for workers aged 55 and below — your employer puts in 17% and 20% is deducted from your take-home pay. Contributions are calculated only on your salary up to the Ordinary Wage ceiling, which rose to $8,000 a month in 2026.
Where your CPF money goes
The total contribution is then allocated across three accounts. The Ordinary Account (OA) can be used for housing, education and approved investments; the Special Account (SA) builds your retirement savings at a higher interest rate; and MediSave (MA) is reserved for healthcare and approved insurance. Younger members see the largest share go to their OA, while a growing slice is steered to MediSave with age. From age 55 the Special Account is closed and its allocation flows into your Retirement Account (RA), which funds your future CPF LIFE payouts.
Adjust your salary and age above to see your personalised split. For where these savings lead, try the CPF retirement projection and take-home pay calculators.
Frequently asked questions
How much CPF is deducted from my salary each month?
For employees aged 55 and below, the total CPF contribution is 37% of your wage — 17% paid by your employer and 20% deducted from your pay. The 20% employee share is what you see come off your salary. The rates step down as you get older: 34% at ages 55–60, 25% at 60–65, 16.5% at 65–70 and 12.5% above 70 (in force from 1 January 2026).
Is there a salary cap on CPF contributions?
Yes. CPF on your monthly salary (Ordinary Wages) only applies to the first $8,000 in 2026 — this is the Ordinary Wage ceiling. Any salary above $8,000 a month is not subject to CPF. Separately, total contributions from all sources are capped at the CPF Annual Limit of $37,740 a year.
How is my CPF split between OA, SA/RA and MediSave?
Your total contribution is divided across three accounts using age-banded ratios. Below age 55, the money goes to your Ordinary Account (OA), Special Account (SA) and MediSave (MA). At 35 and below, that split is roughly 62% OA, 16% SA and 22% MA. As you age, more is directed to MediSave. From age 55 the Special Account is closed and its share goes to your Retirement Account (RA) instead.
Does this include my bonus or commissions?
No — this calculator only covers Ordinary Wages (your regular monthly salary). Bonuses and other Additional Wages attract CPF separately, subject to a yearly Additional Wage ceiling, and are not modelled here.