CPF Allocation Calculator
Track your 2026 retirement and healthcare savings breakdown with the new S$8,000 monthly wage ceiling.
Last updated: April 2026
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
- 1Enter Wage — Input your monthly gross salary (pre-bonus).
- 2Adjust Age — Allocation rates change significantly at ages 35, 45, 50, 55, and 60.
- 3View 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%)
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).