Singapore CPF Calculator
Take control of your financial future with Singapore’s most detailed CPF calculator. Project your retirement balance, optimize contribution strategies, and discover how small changes today can create extraordinary wealth for tomorrow.
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Provide your age, income, and current super balance.
Add Contributions
Include any voluntary contributions you plan to make.
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Instantly get a detailed projection and visual breakdown.
CPF Calculator
Project your retirement savings
5Advanced Settings
Estimated CPF balance at age 65
S$0
≈ S$0/month CPF LIFE payout
Account Breakdown
OA
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SA/RA
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MA
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Total
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Summary
Your CPF Summary
Balance Breakdown
CPF Contribution Rates 2026
For employees aged 55 and below, the total CPF contribution rate is 37% (17% employer + 20% employee). The OW ceiling is S$8,000/month from January 2026.
CPF Balance Projection
See how your CPF could grow over time.
Adding S$500/month voluntary top-up
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Retiring 2 years later
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CPF LIFE Payouts
CPF LIFE provides monthly payouts for life starting from your payout eligibility age (currently 65). The amount depends on your RA balance.
Account Allocation
See how your contributions are allocated across accounts.
Year-by-Year
Top-up Comparison
See how voluntary top-ups boost your retirement savings.
Tax Relief for Voluntary Contributions
Cash top-ups to your SA/RA qualify for tax relief up to S$8,000 per year. Top-ups for family members give an additional S$8,000 relief.
CPF Limits 2026
- OW Ceiling: S$8,000/month
- Annual Ceiling: S$102,000
- CPF Annual Limit: S$37,740
CPF Insights
Personalized recommendations based on your situation.
Years to Retire
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Contribution Rate
37%
Extra Interest
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Recommendations
General information only. Consult a licensed financial adviser for personal advice.
CPF Rates 2026
Current CPF contribution and interest rates.
Contribution Rates by Age
For Singapore Citizens & PRs (3rd year onwards), effective January 2026
17% employer + 20% employee37%
16% employer + 18% employee34%
12.5% employer + 12.5% employee25%
9% employer + 7.5% employee16.5%
7.5% employer + 5% employee12.5%
Your Current Rate
Based on your age, you're in the 37% contribution tier.
Interest Rates (Q1 2026)
- Ordinary Account: 2.5% p.a.
- Special/MediSave/Retirement: 4.0% p.a.
- Extra Interest (under 55): +1% on first S$60,000 (max S$20,000 from OA)
- Extra Interest (55+): +2% on first S$30,000, +1% on next S$30,000
Disclaimer: Estimates only. This calculator provides general information and is not financial advice. Consult a licensed financial adviser for personal advice. Data based on CPF Board rates effective 1 January 2026.
CPF can cover your down payment, but NOT stamp duty. Calculate BSD and ABSD to know exactly how much cash you need for property settlement in Singapore.
How Does CPF Work?
The Central Provident Fund (CPF) is Singapore’s comprehensive social security savings scheme, providing for Singaporeans’ retirement, healthcare, and housing needs. Understanding how it works is crucial for maximizing your retirement wealth.
Your employer and you contribute to CPF based on your age, with the total rate ranging from 37% for workers aged 55 and below to 12.5% for those above 70. Contributions are automatically allocated to three accounts – Ordinary Account (OA), Special Account (SA), and MediSave Account (MA) – where they earn guaranteed interest of at least 2.5% (OA) and 4% (SA/MA).
With the right strategy and voluntary top-ups, you can maximize your CPF savings and enjoy higher CPF LIFE monthly payouts. The key is starting early, understanding the allocation system, and making use of tax relief opportunities.
$649B
Total CPF assets in Singapore
4.3M+
Singaporeans with CPF accounts
Types of CPF Contributions
Understanding different contribution types helps you optimize your super strategy and take advantage of tax benefits.
Employer & Employee Contributions (Compulsory)
Your employer and you contribute based on your age - 37% total (20% employee + 17% employer) for those aged 55 and below
Tax Treatment:
Employee portion reduces taxable income; employer portion tax-deductible
Voluntary Contributions (VC)
Additional contributions from your own money to boost your CPF savings
Tax Treatment:
No immediate tax relief, earns CPF interest rates
Cash Top-up to SA/RA
Make cash top-ups to Special Account or Retirement Account for retirement
Tax Treatment:
Up to $8,000 tax relief per year for self, plus $8,000 for family members
MediSave Top-up
Voluntary cash top-ups to your MediSave Account for healthcare needs
Tax Treatment:
Included in the $8,000 annual tax relief cap
How Much Do You Need for Retirement?
Here’s what you need to know about retirement budgets.
*Base essentials (Housing, Food, Utilities, Basic Transport, Healthcare) included automatically in Basic baseline.
lifestyle
Click items above to calculate your personal retirement number.
Essential living. Limited leisure. Relies on CPF LIFE BRS payout with minimal extras.
Good standard of living. Private health insurance, occasional dining, domestic & regional travel.
| Category | Basic | Comfortable | Your Selection |
|---|---|---|---|
| Annual Budget | $14,400 | $30,120 | - |
| Weekly Spending | $277 | $579 | - |
| CPF Required (55yo) | $110,200 | $220,400 | - |
| Health Insurance | MediShield Life | Integrated Shield | - |
| Transport | Public Transport | Occasional Taxi/Grab | - |
| Holidays | 1 domestic/year | Domestic + Regional | - |
| Dining Out | Hawker centres | Occasional restaurants | - |
CPF LIFE 2026 Retirement Standards
Based on CPF Board data for members turning 55 in 2026. These figures assume you own your home outright and are in good health. CPF LIFE provides lifelong monthly payouts from age 65.
- Comfortable Single: $30,120/year ($220,400 FRS lump sum → $1,780/month)
- Comfortable Couple: $50,760/year ($440,800 combined → $3,560/month)
- Basic: $14,400 single / $22,800 couple ($110,200 BRS → $950/month)
Investment Strategies for Every Stage of Life
Your investment strategy should evolve as you age. Understanding the trade-offs between risk and return is crucial for maximizing your retirement savings.
Singapore CPF Investment Strategy Guide 2025-26
Three Main CPF Investment Risk Categories (CPFIS):
- Lower Risk: CPF OA interest rate: 2.5% per annum. Asset allocation: Primarily cash funds and money market instruments. Recommended investment timeframe: 0-5 years. Best for capital preservation with minimal volatility.
- Low to Medium Risk: CPF SA interest rate: 4.0% per annum (floor rate). Asset allocation: Mix of bond funds and some equities. Recommended investment timeframe: 5-10 years. Balanced approach for moderate growth.
- Medium to High Risk: Target return: Above CPF SA rate of 4.0%. Asset allocation: Balanced funds with higher equity exposure (typically 50-70% equities). Recommended investment timeframe: 10+ years. Higher growth potential with increased volatility.
Strategy by Age Group:
- 20s and 30s: Medium to High Risk recommended. Long investment horizon (30-40 years) allows recovery from market downturns. Focus on maximizing equity exposure through CPFIS-OA after setting aside $20,000.
- 40s and 50s: Low to Medium Risk recommended. Peak earning years - consider voluntary contributions to boost CPF savings. Balance between growth and capital preservation.
- 60s and beyond: Lower Risk recommended. Focus shifts to capital preservation. Consider keeping funds in CPF accounts to earn guaranteed 4% on SA/MA/RA and up to 6% with extra interest for those 55+.
Key CPF Rates 2025-26: OA interest rate 2.5% p.a. SA/MA/RA interest rate 4.0% p.a. (floor rate extended until 31 Dec 2026). Extra interest: Up to 5% p.a. for members below 55, up to 6% p.a. for members 55 and above on first $60,000 of combined balances.
CPFIS Investment Limits: Invest OA savings after setting aside first $20,000. Invest SA savings after setting aside first $40,000. Stock limit: 35% of investible OA savings. Gold limit: 10% of investible OA savings.
This guide is for educational purposes only. CPF Board does not endorse any specific product providers or investment products. All investments carry risk. Consult a licensed financial adviser for personal advice.
Lower Risk
Low RiskPrioritizes stability and capital preservation. Suitable for those nearing retirement or with low risk tolerance.
Low to Medium Risk
Med RiskA balanced approach mixing bond funds with modest equity exposure. Aims to beat CPF OA rate while managing risk.
Medium to High Risk
High RiskInvests heavily in balanced and equity funds. Volatile in the short term, but highest potential long-term gains.
Strategies by Age
20s & 30s
Aggressive GrowthTime is your greatest asset. Consider higher equity exposure through CPFIS to maximize long-term growth potential.
Recommended Actions:- Invest OA savings (after $20k)
- Consider balanced/equity funds
40s & 50s
Balanced BuildingYou are in your peak earning years. Balance growth with preservation as retirement approaches.
Recommended Actions:- Make voluntary contributions
- Review asset allocation
60s+
PreservationProtect your retirement savings. Consider keeping funds in CPF to earn guaranteed 4-6% with no market risk.
Recommended Actions:- Reduce investment risk
- Plan CPF LIFE payout
Singapore CPF Data
Singapore CPF Statistics 2026
Total CPF Assets: Approximately $649 billion as of September 2025 (CPF Board Official Statistics).
Total CPF Members: 4.3 million active members as of September 2025.
Median CPF Balance by Age Group (CPF Annual Report 2024):
- Age 20-29: approximately $15,000 median balance
- Age 30-39: approximately $65,000 median balance
- Age 40-49: approximately $125,000 median balance
- Age 50-59: approximately $180,000 median balance
- Age 60-69: approximately $100,000 median balance (reflects withdrawals at 55)
- Age 70+: approximately $65,000 median balance
CPF Account Distribution (Sept 2025): Ordinary Account: $218 billion, Special Account: $151 billion, MediSave Account: $149 billion, Retirement Account: $131 billion.
Key 2026 Rates: CPF contribution rate for employees aged 55 and below is 37% (20% employee, 17% employer). Ordinary Wage ceiling increased to $8,000/month from 1 January 2026. Annual salary ceiling remains at $102,000.
Data Sources: CPF Board Official Statistics (September 2025), CPF Annual Report 2024, CPF Contribution Rate Tables effective 1 January 2026.
Total CPF Assets
$649B
Singapore (Sept 2025)
Total Members
4.3M
Active CPF Members
Largest Account
$0
By Balance
Contribution Rate
37%
Age ≤55 (2026)
CPF Account Balances Breakdown
Median CPF Balance by Age
Based on CPF Annual Report 2024. Shows typical savings across age groups.
CPF Contribution Rates 2026
Employee contribution rates by age group effective 1 January 2026.
Account Growth Comparison
Visualizes the relationship between account balances and number of members.
CPF Accounts Overview
Total balances by account type as of September 2025.
| Account Type | Balance (S$B) | Share (%) | Purpose |
|---|
CPF News & Updates
Singapore CPF News & Updates 2025-2026
CPF Contribution Rates 2025: From 1 January 2025, total CPF contribution rate for employees aged 55-60 increased to 37.5% (from 37%), and for employees aged 60-65 increased to 28% (from 27.5%). Full contribution ceiling is S$6,800 per month (S$102,000 annually) and Ordinary Wage ceiling is S$6,800 per month.
Retirement Sum 2025: Basic Retirement Sum (BRS) is S$102,900, Full Retirement Sum (FRS) is S$205,800, and Enhanced Retirement Sum (ERS) is S$308,700. These amounts apply for members turning 55 in 2025.
CPF Interest Rates: Ordinary Account (OA) earns 2.5% p.a., Special Account (SA) and MediSave Account (MA) earn 4.08% p.a. (as at Q4 2024). Additional 1% p.a. on first S$60,000 of combined balances (capped at S$20,000 from OA).
MediSave Contribution Ceiling 2025: Basic Healthcare Sum (BHS) is S$73,500 for those turning 65 in 2025.
CPF LIFE Payouts: From age 65, CPF LIFE provides lifelong monthly payouts. Standard Plan and Escalating Plan available. Payout amounts depend on CPF savings and plan chosen.
Data sources: CPF Board (cpf.gov.sg), Ministry of Manpower (MOM), Ministry of Finance (MOF).
CPF Contribution Rates Increase for Older Workers
From 1 January 2025, CPF contribution rates increased for employees aged 55 and above, continuing the phased increase to support retirement adequacy.
Key Changes (From 1 January 2025)
- Age 55-60: Total contribution increased to 37.5% (from 37%) - Employer 15%, Employee 22.5%
- Age 60-65: Total contribution increased to 28% (from 27.5%) - Employer 11.5%, Employee 16.5%
- Age 65-70: Remains at 18.5% - Employer 8.5%, Employee 10%
- Above 70: Remains at 16.5% - Employer 8%, Employee 8.5%
- Contribution Ceiling: S$6,800 per month (S$102,000 annually)
Worker Benefit
Higher contributions = more retirement savings. For age 55-60 earning S$5,000/month, extra S$300/year.
Employer Action
Update payroll systems to reflect new contribution rates. Verify accurate allocation to OA, SA, and MA accounts.
2025 Retirement Sums: BRS $102,900, FRS $205,800, ERS $308,700
CPF Retirement Sums have been revised for members turning 55 in 2025, indexed to account for inflation and wage growth.
Retirement Sums (For those turning 55 in 2025)
- Basic Retirement Sum (BRS): S$102,900 (up from S$99,400 in 2024)
- Full Retirement Sum (FRS): S$205,800 (up from S$198,800 in 2024)
- Enhanced Retirement Sum (ERS): S$308,700 (up from S$298,200 in 2024)
- CPF LIFE Eligibility: Mandatory for those with ≥ S$60,000 at age 55
- Payout Start: Age 65 (can defer to age 70 for higher payouts)
Which Sum Applies
BRS if property pledged. FRS (default) for most. ERS if you want higher monthly payouts.
CPF LIFE Plans
Standard Plan (level payouts) or Escalating Plan (starts lower, increases 2% yearly). Choose by age 65.
Basic Healthcare Sum Increases to $73,500 for 2025
The MediSave Basic Healthcare Sum (BHS) has been updated for those turning 65 in 2025, reflecting healthcare cost trends.
MediSave Changes (From 1 January 2025)
- Basic Healthcare Sum (BHS): S$73,500 (up from S$71,500 in 2024)
- Who it Affects: Members turning 65 in 2025
- Purpose: Amount set aside in MediSave Account for healthcare needs in retirement
- Excess After BHS: Can be withdrawn or used for other approved purposes
- Annual Contribution: MediSave contributions continue until BHS is reached
BHS Allocation
Once you turn 55, funds allocated to Retirement Account first, then MediSave Account up to BHS.
Important
BHS amount differs based on cohort (year you turn 65). Check your specific BHS in your CPF statement.
CPF Interest Rates: OA 2.5%, SA/MA 4.08% (Q4 2024)
CPF continues to provide guaranteed interest on all accounts, with Special Account and MediSave Account earning higher rates.
Current Interest Rates (As at Q4 2024)
- Ordinary Account (OA): 2.5% per annum (guaranteed minimum)
- Special Account (SA): 4.08% per annum (floor: 4%)
- MediSave Account (MA): 4.08% per annum (floor: 4%)
- Retirement Account (RA): 4.08% per annum (floor: 4%)
- Extra Interest: Additional 1% p.a. on first S$60,000 of combined balances
- OA Extra Interest Cap: Capped at S$20,000 from OA
SA/MA Rate Formula
Higher of: (1) 4% minimum floor, or (2) 12-month average yield of 10-year Singapore Government Securities + 1%.
Extra Interest Example
First S$60,000 earns up to 5.08% for SA/MA and 3.5% for OA (including extra 1% on first S$60,000).
CPF Contribution Ceiling Remains at $6,800 per Month
The monthly CPF contribution ceiling for Ordinary Wages remains at S$6,800 for 2025, equivalent to S$102,000 annual limit.
Contribution Limits (2025)
- Ordinary Wage Ceiling: S$6,800 per month (no change from 2024)
- Annual Equivalent: S$102,000 (S$6,800 × 12 months)
- Additional Wage Ceiling: S$102,000 per year
- Total Annual Ceiling: S$102,000 combined OW + AW
- Applies to: Employee and employer contributions
What This Means
No CPF contributions required on monthly wages exceeding S$6,800 or annual wages exceeding S$102,000.
Voluntary Contributions
Can top up via Voluntary Contributions (VC) or Cash Top-ups to SA/MA/RA accounts anytime.
CPF Housing Withdrawal Limits: Valuation Limit and Withdrawal Limit
Members can use CPF OA savings for housing, subject to Valuation Limit (VL) and Withdrawal Limit (WL) rules to protect retirement adequacy.
CPF Housing Usage Rules
- Valuation Limit (VL): Maximum = Lower of purchase price or property valuation at purchase
- Withdrawal Limit (WL): Applicable if you've used CPF for previous property. Limit based on age and property type
- HDB Flats: Can use up to VL (no age restrictions)
- Private Property: Age-based WL applies from age 55
- Accrued Interest: Must refund principal + accrued interest upon sale or transfer
Age 55 Onwards
Must set aside BRS/FRS in RA and BHS in MA before using CPF for property beyond WL.
Property Pledge Scheme
Can pledge property to meet half of BRS (S$102,900 ÷ 2 = S$51,450 in 2025) instead of cash.
CPF Cash Top-Up Tax Relief: Up to $16,000 in Relief Available
Make voluntary CPF cash top-ups to receive tax relief while boosting retirement savings, subject to annual contribution limits.
Tax Relief Caps (Year of Assessment 2024)
- Self Top-Up Relief: Up to S$8,000 per year (to own SA/MA/RA)
- Family Top-Up Relief: Up to S$8,000 per year (for parents, grandparents, spouse, siblings)
- Total Relief Cap: Maximum S$16,000 per year combined
- Eligible Accounts: Special Account, MediSave Account, Retirement Account only
- Age Requirement: Recipient must be Singapore Citizen or PR
Tax Savings Example
Top tax bracket (24%): S$8,000 top-up = up to S$1,920 tax saved, plus CPF interest earned!
How to Top Up
Via CPF website, PayNow, internet banking, or GIRO. Relief automatically reflected in tax assessment.
CPF Contribution Allocation Rates by Age Group
CPF contributions are automatically allocated to OA, SA, and MA accounts based on age, with more going to retirement accounts for younger workers.
Allocation Rates (2025)
- Age ≤35: OA 62%, SA 13%, MA 25% (Total: 37% employee + 17% employer)
- Age 35-45: OA 57%, SA 16%, MA 27% (Total: 37% employee + 17% employer)
- Age 45-50: OA 51%, SA 20.5%, MA 28.5% (Total: 37% employee + 17% employer)
- Age 50-55: OA 42%, SA 27%, MA 31% (Total: 37% employee + 17% employer)
- Age 55-60: OA 53.33%, MA 46.67% (Total: 37.5%, no SA allocation)
- Age 60-65: OA 42.86%, MA 57.14% (Total: 28%, no SA allocation)
After Age 55
SA allocation stops. Contributions go to RA after setting aside required amount, then to OA and MA.
Strategy
Maximize SA contributions when young (higher interest 4% vs 2.5% OA) for better retirement outcomes.
Retirement Sum Topping-Up Scheme (RSTU): Boost CPF LIFE Payouts
Top up your Retirement Account or loved ones' RA using cash or CPF savings to increase CPF LIFE monthly payouts.
RSTU Details
- Who Can Top Up: Self (age 55-70) or family members (spouse, parents, grandparents, siblings, in-laws)
- Top-Up Cap: Up to Current FRS (S$205,800 for 2025 cohort)
- Tax Relief: Up to S$8,000 for self, S$8,000 for family (total S$16,000 yearly)
- Payment Methods: Cash, CPF OA/SA transfers
- Benefit: Higher RA balance = higher CPF LIFE monthly payouts from age 65
Payout Increase Example
S$10,000 top-up at age 55 ≈ S$70-80 extra monthly payout from age 65 (for life).
How to Apply
Online via CPF website, at CPF Service Centres, or via GIRO/cash deposit.
CPF LIFE Plans: Standard vs Escalating Plan Comparison
Choose between Standard Plan (level payouts) and Escalating Plan (increasing payouts) to match your retirement needs.
Plan Comparison
- Standard Plan: Level monthly payouts throughout retirement. Higher initial payout. Most popular choice.
- Escalating Plan: Starts ~30% lower, increases 2% yearly. Better for long-term inflation protection.
- Selection Deadline: Must choose by age 65 (otherwise defaulted to Standard Plan)
- Payout Start: Age 65 (can defer to 70 for higher amounts)
- Guaranteed Period: If you pass away early, beneficiaries receive remaining balance
Example Payouts (FRS S$205,800)
Standard: ~S$1,690/month. Escalating: Starts ~S$1,170/month, grows to S$1,690 in ~13 years.
Which to Choose
Standard for predictable income. Escalating if you want inflation hedge and have other income sources early.
Frequently Asked Questions
Everything you need to know about your retirement numbers, access rules, and tax limits for the 2025 financial year.
More Useful Calculators
Income Tax Calculator
Maximize CPF returns with tax-smart planning. Calculate your income tax to see how voluntary CPF contributions provide tax relief up to $16,000 annually.
Inflation Calculator
See how inflation impacts your CPF retirement savings over time. Calculate the real purchasing power of your retirement funds adjusted for Singapore's inflation rates.
Compound Interest Calculator
Compare CPF's guaranteed interest rates (2.5-6%) against other investments. Calculate potential returns to optimize your savings strategy beyond CPF.
Stamp Duty Calculator
CPF can cover your down payment, but NOT stamp duty. Calculate BSD and ABSD to know exactly how much cash you need for property settlement in Singapore.