Interactive Calculator
CPF Contribution Calculator
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Calculations run 100% locally in your browser. No financial inputs or personal data are retained or sent to any server.Simulate monthly Ordinary (OA), Special (SA), and Medisave (MA) allocations under 2026 contribution schedules.
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Salary & profile
The basis for your CPF calculations
$/ month
$total
Citizenship / PR
yrs oldEE 20.0% · ER 17.0%
Current CPF balances optional
OA
SA
MA
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Voluntary top-ups
Boosts your CPF, grows retirement funds, and reduces income tax
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Voluntary Contribution (VC-OA)CPF Official Guide ↗
Subject to the CPF Annual Limit of $37,740 (mandatory + voluntary). Voluntary contributions to Ordinary Account help build reserves for housing or approved investments.
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Retirement Sum Topping-Up (RSTU)CPF RSTU Guide ↗
Earn up to 6% p.a. interest in Special/Retirement Account. Enjoy cash top-up tax relief up to $8,000 for self and $8,000 for loved ones (max $16,000/yr).
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Supplementary Retirement Scheme (SRS)MOF SRS Guide ↗
100% tax relief on contributions up to $15,300/yr for Singapore Citizens & PRs ($35,700 for foreigners). Defer taxable income into retirement with 50% withdrawal tax concessions.
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Your CPF contributions
Total CPF
$1,850
employee + employer share
Your contribution
$1,000
deducted from gross salary
Employer share
$850
paid on top of gross salary
How your total CPF is allocated
OA $3,109 (62.2%)
SA $811
MA $1,081 (21.6%)
OA: $3,109 (62.2%)
SA: $811 (16.2%)
MA: $1,081 (21.6%)
Account breakdown
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Ordinary Account (OA)
$3,109
per month
Interest rate2.5% p.a.
First $20k earns3.5% p.a.
Primarily used for housing down payment, monthly loan instalments, and CPFIS investments.
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Special Account (SA)
$811
per month
Interest rate4.0% p.a.
First $40k earns5.0% p.a.
Locked-in growth for retirement. Earns high guaranteed interest rate. (Folders into RA at age 55)
Balance Projections
CPF balance growth over time
Projected from your current balances, at your contribution rate, with CPF interest applied annually.
Total CPF Balance
| Year | OA (2.5%) | SA (4.0%) | MA (4.0%) | Total Projected |
|---|---|---|---|---|
| Year 0 (Current) | $0 | $0 | $0 | $0 |
| Year 5 | $199,559 | $54,492 | $72,678 | $326,728 |
| Year 10 | $425,356 | $121,099 | $79,000 | $625,455 |
| Year 15 | $680,825 | $202,461 | $79,000 | $962,286 |
| Year 20 | $969,865 | $301,658 | $79,000 | $1,350,523 |
| Year 25 | $1,296,887 | $422,485 | $79,000 | $1,798,372 |
| Year 27 | $1,439,428 | $477,881 | $79,000 | $1,996,309 |
Retirement sum milestones
Where you stand against CPF Retirement Sums
At age 55, your RA forms based on these milestones. Payouts start from age 65.
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Basic Retirement Sum (BRS)
$110,200
0% completedLeft: $110,200
Assuming property pledge. Est. payout: ~$900 - $1,000/mo.
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Full Retirement Sum (FRS)
$220,400
0% completedLeft: $220,400
Default target. Est. payout: ~$1,600 - $1,800/mo.
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Enhanced Retirement Sum (ERS)
$440,800
0% completedLeft: $440,800
Max top-up level. Est. payout: ~$3,300+/mo.
Clear Answers
Frequently Asked Questions
The Ordinary Wage (OW) ceiling for mandatory monthly CPF contributions is $8,000 per month in 2026 (gradually increased from $6,000 in 2023). Wages earned beyond $8,000/month are not subject to monthly employee or employer CPF deductions.