CPF Allocation Calculator
Track your 2026 retirement and healthcare savings breakdown with the new S$8,000 monthly wage ceiling.
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
- Enter Wage - Input your monthly gross salary (pre-bonus).
- Adjust Age - Allocation rates change significantly at ages 35, 45, 50, 55, and 60.
- View Breakdown - See the total contribution and the exact dollar amount going into each account.
Calculation Formula & Example
The Formula
Total = Gross Wage (cap S$8k) × (Employee 20% + Employer 17%)
Where:
- 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.
Example Calculation
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 of Using This Calculator
- 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.
Calculator Use Cases
Calculate your real 'Total Package' by including the employer's 17% contribution.
Prepare for the drop in OA contribution when you hit 35 or 45.
Frequently Asked Questions
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