Singapore CPF Calculators 2026
40 free CPF calculators covering monthly contributions (updated for the S$8,000 OW ceiling), CPF LIFE retirement payouts, OA/SA/MA account allocations, MediSave limits and the 2025/2026 Special Account closure rules.
CPF Contribution & Allocation Calculators 2026
Calculate your CPF contributions under the final S$8,000 OW ceiling (effective January 2026). Covers employees, employers, self-employed, SPR graduates and senior workers.
CPF Housing & Property Monetisation Calculators
CPF OA is the primary way Singaporeans pay for their homes. These tools reveal the true cost — including the “hidden” accrued interest that reduces your net sale proceeds.
CPF Retirement & CPF LIFE Payout Calculators 2026
High-intent tools for members aged 45+. Calculate your CPF LIFE monthly payouts, retirement sum requirements and the impact of the 2025 Special Account closure on your retirement planning.
MediSave & Medical Insurance CPF Calculators 2026
Healthcare costs are rising in Singapore. These MediSave calculators help you understand withdrawal limits, CareShield Life premiums and MediShield Life coverage for your medical planning.
CPF Investment & Tax Optimisation Calculators
CPFIS investment eligibility, OA-to-SA shielding strategy, gold and stock limits, SRS tax savings and RST tax relief — tools for Singaporeans maximising their CPF returns.
Understanding CPF in 2026 — The $8,000 Wage Ceiling & Special Account Closure
The Central Provident Fund is Singapore’s most comprehensive mandatory savings system, managing over S$550 billion in member savings across 4+ million accounts. In 2026, two landmark changes have reshaped how members plan their retirement: the Ordinary Wage ceiling reached its final step at S$8,000/month (from January 2026), and the CPF Special Account was closed for members aged 55 and above (from January 2025).
| Age Group | Employee Rate | Employer Rate | Total Rate |
|---|---|---|---|
| ≤55 years | 20% | 17% | 37% |
| 55–60 years | 15% | 15% | 30% |
| 60–65 years | 9.5% | 11% | 20.5% |
| 65–70 years | 7% | 9% | 16% |
| Above 70 years | 5% | 7.5% | 12.5% |
3 Real Singapore CPF Calculation Examples
Example 1: Software Engineer, Age 32, Salary S$8,500/month
Applicable OW for CPF: S$8,000 (S$500 excess excluded)
Employee CPF (20%): S$8,000 × 20% = S$1,600/month
Employer CPF (17%): S$8,000 × 17% = S$1,360/month
Take-home pay: S$8,500 − S$1,600 = S$6,900/month
OA allocation (62.17% of total): ≈ S$1,840/month · SA (16.22%): ≈ S$480 · MA (21.62%): ≈ S$640
Example 2: Couple Planning Retirement at Age 55
SA balance at 50: S$120,000 each · 5 years to grow at 4% p.a.: ≈ S$146,000
Shortfall to FRS at 55: S$213,000 − S$146,000 = S$67,000 each
RSTU top-up strategy: Top up S$8,000/year each for 5 years = S$40,000 + growth
Tax relief saved (28% marginal rate): S$8,000 × 28% = S$2,240/year per person
Example 3: Self-Employed Freelancer, Net Trade Income S$72,000/year
Mandatory MediSave contribution: Based on income bracket — approx. S$5,760/year
Optional OA/SA top-up: Up to the annual CPF limit less MediSave already contributed
Tax relief from VC: Mandatory MediSave is tax-deductible; voluntary OA/SA may qualify if within RST framework
Key point: Freelancers with no employer CPF must build retirement savings entirely through voluntary contributions and SRS
3 Expert CPF Tips for Singapore Members in 2026
The popular OA-to-SA transfer “shielding” strategy was designed to maximise funds in the higher-interest SA before age 55. With the SA closed for members aged 55+, excess funds above FRS now go to OA instead of SA. Members under 55 can still perform OA-to-SA transfers to earn 4% p.a. — but do this only if you won’t need the OA funds for housing in the near future, as the transfer is irrevocable.
CPF interest is calculated on the lowest balance held during each calendar month. To maximise interest, top up your CPF RA (via RSTU) in January of each year rather than December. A January top-up earns a full year of 4% interest, while a December top-up earns only one month. Over 10 years, this timing difference can add several thousand dollars in interest.
The Matched Retirement Savings Scheme provides S$1 government matching for every S$1 voluntary RA top-up, up to S$600/year for eligible members aged 55–70. This is a guaranteed 100% instant return on up to S$600. Combined with the 4% p.a. interest on the RA balance, MRSS eligible members should maximise this matching every year without exception.
Singapore CPF Calculator FAQ 2026
Frequently asked questions about CPF contributions, retirement sums, MediSave limits and the 2025 SA closure.
40 CPF Calculators — All Free, No Sign-Up Required
Updated for the S$8,000 Ordinary Wage Ceiling and 2026 CPF Board contribution rates. All calculations run privately in your browser.
Legal Disclaimer & Editorial Transparency
CPF calculators on SGFinanceCalculators.com are for educational purposes only. CPF Board rates, retirement sums (BRS/FRS/ERS) and MediSave limits are reviewed annually — verify current figures at cpf.gov.sg before making any financial decisions. The Special Account closure rules are complex — consult a licensed financial adviser for personalised retirement planning advice. Last reviewed: June 2026.