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CPF Allocation Calculator

Track your 2026 retirement and healthcare savings breakdown with the new S$8,000 monthly wage ceiling.

Last updated: May 2026

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Reviewed by Sneha Iyer, CFP

Certified Financial Planner

Specializing in wealth management and retirement planning. Sneha validates the investment projection models and compound interest algorithms used across our financial tools. All mathematical models and regulatory data points have been verified for the current 2026 fiscal period.

Fact Checked| Accuracy Verified

The CPF System

The Central Provident Fund (CPF) is a mandatory social security savings scheme for Singapore Citizens and Permanent Residents.

Your contributions are divided into three accounts: Ordinary Account (OA) for housing and investment, Special Account (SA) for retirement, and MediSave (MA) for healthcare.

2026 Updates: The monthly wage ceiling is projected to stay at its target of S$8,000, reflecting the final stage of the multi-year ceiling increase.

How to use this calculator

  1. 1
    Enter Wage — Input your monthly gross salary (pre-bonus).
  2. 2
    Adjust Age — Allocation rates change significantly at ages 35, 45, 50, 55, and 60.
  3. 3
    View Breakdown — See the total contribution and the exact dollar amount going into each account.

Formula & example

Total = Gross Wage (cap S$8k) × (Employee 20% + Employer 17%)

OA/SA/MA= The ratios shift from housing (OA) to retirement (SA) as you age.
Self-Employed= Only MediSave is mandatory for self-employed individuals.

If you are 30 years old and earn S$6,000, your total CPF is S$2,220. Roughly S$1,380 goes to your OA, which you can use for your HDB mortgage.

Benefits

Retirement Clarity

See exactly how much SA interest (4%+) you are accruing every month.

Home Budgeting

Determine how much monthly OA you have available for home loan repayments.

Healthcare Planning

Track your MediSave growth for future insurance premiums.

Use cases

Job Offer Evaluation

Calculate your real 'Total Package' by including the employer's 17% contribution.

Age Milestone Planning

Prepare for the drop in OA contribution when you hit 35 or 45.

Frequently asked questions

Is there a cap on total annual contributions?+

Yes, the Annual Limit is S$37,740 per year for combined mandatory and voluntary contributions.

What happens to SA after 55?+

A Retirement Account (RA) is created, and your SA/OA savings are transferred there up to your Full Retirement Sum (FRS).

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