Singapore CPF Calculator — Employee and Employer Contributions
Calculate CPF contributions across Ordinary Special and Medisave accounts. See monthly employer and employee splits based on 2026 CPF Board rates.
The Central Provident Fund (CPF) is Singapore mandatory social security scheme administered by the CPF Board. For employees under 55 the total contribution is 37% of wages — split 20% from the employee and 17% from the employer. Contributions are subject to the Ordinary Wage (OW) ceiling of SGD 6800 per month and an Additional Wage (AW) ceiling applied to bonuses. The 37% is allocated across three accounts: Ordinary Account (OA) for housing education and investment; Special Account (SA) for retirement; and Medisave Account (MA) for healthcare. Allocation ratios shift as you age — more goes to SA and MA after 35. CPF earns 2.5% on OA and 4% on SA/MA with an extra 1% on the first SGD 60000. Our calculator shows exactly how much goes into each account based on your age and monthly salary.
How much CPF do I contribute each month?
On a SGD 5000 monthly salary (under 55): employee CPF is 20% = SGD 1000 deducted from pay. Employer adds 17% = SGD 850. Total CPF contribution: SGD 1850 per month. Allocation for under-35: Ordinary Account SGD 1221; Special Account SGD 296; Medisave SGD 333. On a SGD 8000 salary the contribution is capped at the SGD 6800 Ordinary Wage ceiling — so total CPF is SGD 2516 not SGD 2960 on full salary. Bonuses are subject to a separate Additional Wage ceiling.
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Understanding Your Investment Returns
This calculator projects your returns using compound interest, where your earnings generate their own earnings over time. The power of compounding means that even small regular investments can grow into substantial wealth over long periods. For example, investing just Rs 5,000 per month at 12% expected returns for 25 years can grow to over Rs 1 crore — of which only Rs 15 lakh is your own money and Rs 85 lakh is compounding returns. The key factors that determine your final corpus are: the amount invested, the rate of return, the duration of investment, and the frequency of compounding.
Important Considerations
Past returns do not guarantee future performance, especially for market-linked instruments like mutual funds and equities. The returns shown are estimates based on the rate you enter. Equity investments carry market risk but have historically delivered 12-15% CAGR over 15+ year periods in India. Fixed income options like PPF (7.1%) and FD (6-7.5%) offer lower but more predictable returns. Diversifying across asset classes — equity, debt, gold, and real estate — reduces overall portfolio risk while optimizing returns for your risk tolerance.
Key Information
| Parameter | Details |
|---|---|
| Employee Rate (Under 55) | 20% of wages |
| Employer Rate (Under 55) | 17% of wages |
| Ordinary Wage Ceiling | SGD 6800/month |
| OA Interest Rate | 2.5% per year |
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Use Calculator NowFrequently Asked Questions
How much CPF do I contribute each month?
On a SGD 5000 monthly salary (under 55): employee CPF is 20% = SGD 1000 deducted from pay. Employer adds 17% = SGD 850. Total CPF contribution: SGD 1850 per month. Allocation for under-35: Ordinary Account SGD 1221; Special Account SGD 296; Medisave SGD 333. On a SGD 8000 salary the contribution is capped at the SGD 6800 Ordinary Wage ceiling — so total CPF is SGD 2516 not SGD 2960 on full salary. Bonuses are subject to a separate Additional Wage ceiling.
What happens to CPF at age 55?
At age 55 a Retirement Account (RA) is created by transferring funds from your Special and Ordinary Accounts. For 2026 the Full Retirement Sum (FRS) is SGD 213000 and the Basic Retirement Sum (BRS) is SGD 106500. Any amount above the FRS can be withdrawn in cash from age 55 or left in CPF to earn higher interest (4% plus extra 1% on the first SGD 30000). From age 65 your RA starts paying CPF LIFE monthly annuity payments for the rest of your life. Contribution rates also reduce progressively from age 55 onwards.
Can I use CPF to buy a house in Singapore?
Yes OA funds are the primary way Singaporeans fund HDB and private property purchases. You can use OA for the 10-25% down payment and monthly mortgage payments. For HDB flats you can use CPF up to the Valuation Limit (VL) and then subject to the Withdrawal Limit (120% of VL). For private property similar limits apply. Keep in mind that CPF used for property must be returned to your CPF account with accrued interest when you sell — this reduces actual cash sale proceeds significantly.
What is compound interest and why does it matter?
Compound interest means you earn interest on your interest, not just your principal. Over long periods, this creates exponential growth — even small regular investments can grow into substantial wealth over 15-25 years.
Should I invest regularly or as a lump sum?
Regular investing (dollar-cost averaging) smooths out market volatility by buying at various price points. Lump sum investing works better if markets are undervalued. For most people, regular monthly investing is simpler and more disciplined.
How much should I invest monthly to reach my goal?
The amount depends on your target, timeline, and expected returns. Use this calculator to model different scenarios. The key factors are starting early, investing consistently, and reinvesting returns.
Are investment returns taxable?
Tax treatment varies by investment type and country. Capital gains, dividends, and interest income may be taxed differently. Consult a tax professional for advice specific to your situation and jurisdiction.
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Last updated: March 2026