CPF Allocation Calculator Singapore 2026 (OA, SA/RA & MediSave Monthly Split — All 8 Age Bands, 30-Year Projection)
2026 CPF Board Rates✓ Official Allocation Ratios📈 30-Year Projection Chart🔄 Band-Aware Age Transitions
Enter Your Details
Instantly see your OA, SA/RA & MediSave split
S$
Capped at S$8,000 OW ceiling. Enter your full salary — we apply the cap automatically.
yrs
Allocation ratios change at ages 36, 46, 51, 56, 61, 66, and 71.
Projection automatically accounts for age-band rate changes as you get older.
🏦
Your OA / SA / MediSave Split Appears Here
Enter your salary and age, then click Calculate My Allocation.
Total Monthly CPF
—
Employee + Employer
Ordinary Account (OA)
—
2.5% p.a.
Special Account (SA)
—
4.0% p.a.
MediSave Account (MA)
—
4.0% p.a.
🏦 Monthly Account Allocation — Official CPF Board Ratios, Jan 2026
Ordinary Account (OA)
2.5% p.a.—
——/year
Special Account (SA)4.0% p.a.—
——/year
MediSave Account (MA)
4.0% p.a.—
——/year
🗂️ Your CPF Age Band & Next Milestone
—
⚡ Next Age Band Change
OA Monthly Change—
SA/RA Monthly—
MA Monthly Change—
Total CPF Change—
📈 Projected CPF Balance Growth
Cumulative OA / SA / MA balances with compound interest. Band-rate changes applied automatically as you age.
Ordinary Account (OA) — 2.5%
Special Account (SA) — 4.0%
MediSave Account (MA) — 4.0%
📋 Year-by-Year CPF Balance Table 🔄 = Age band transition
What Is CPF Account Allocation? OA, SA/RA & MediSave Explained for Singapore Employees 2026
Every time your employer pays CPF contributions into your account, the money doesn’t land in a single pool — it’s automatically divided across three (or four, after age 55) accounts according to age-specific ratios published by the CPF Board. You don’t choose how the split is made; it’s determined entirely by your age band on the first day of the month after your birthday.
The three accounts serve distinct life purposes: the Ordinary Account (OA) funds your HDB mortgage, education, CPF investment scheme (CPFIS) purchases, and approved insurance; the Special Account (SA) — which becomes the Retirement Account (RA) after age 55 — grows at 4% p.a. and is ring-fenced for retirement; and the MediSave Account (MA) covers hospitalisation bills, MediShield Life premiums, and approved chronic disease management programmes.
Why CPF Allocation Ratios Shift Across Age Bands — Housing, Retirement & MediSave Priorities
Singapore’s CPF allocation design follows a deliberate life-stage logic. Younger workers below 36 receive 62.17% of their total CPF in the OA because their biggest financial need is a home purchase deposit. As they move through their 40s and 50s, the OA share gradually drops while SA and MA shares rise — reflecting reduced housing need and increased retirement and healthcare savings priorities. The shift is most dramatic at age 61, when OA allocation falls from 35.30% to just 14.00% of total contributions, while MA climbs toward 42%. After age 65, the pattern intensifies: 63.63% of all CPF flows to MediSave (age 66–70) and 84% after 70, as healthcare coverage dominates financial planning for the elderly.
Official CPF Board 2026 Allocation Rate Table — All 8 Age Bands (% of Total Contribution)
Age Band
OA %
SA / RA %
MA %
SA or RA?
OA Interest
SA/RA/MA Interest
35 & below
62.17%
16.21%
21.62%
SA
2.5%
4.0%
36 – 45
56.77%
18.91%
24.32%
SA
2.5%
4.0%
46 – 50
51.36%
21.62%
27.02%
SA
2.5%
4.0%
51 – 55
40.55%
31.08%
28.37%
SA
2.5%
4.0%
56 – 60
35.30%
33.82%
30.88%
RA
2.5%
4.0%
61 – 65
14.00%
44.00%
42.00%
RA
2.5%
4.0%
66 – 70
6.07%
30.30%
63.63%
RA
2.5%
4.0%
Above 70
8.00%
8.00%
84.00%
RA
2.5%
4.0%
SA Closure (2025–): For members aged 55 and above, the Special Account is now closed. Contributions that previously went to SA now flow directly to the Retirement Account (RA) up to the Full Retirement Sum (FRS — S$213,000 in 2026). If you’ve already met the FRS, these contributions redirect to your Ordinary Account.
How This CPF Allocation Calculator Computes Your OA, SA/RA & MediSave Dollar Amounts
Step 1 — Calculate Total Monthly CPF Using Your Age-Band Contribution Rate
The calculator first computes your total CPF contribution (employee + employer) using the 2026 contribution rates for your age and residency status, capped at the S$8,000 Ordinary Wage ceiling. Total CPF is rounded to the nearest dollar per CPF Board rules.
Step 2 — Apply Allocation Ratios in the Correct CPF Board Computation Order
CPF Board specifies the allocation order: MediSave first, then SA/RA, with OA receiving the remainder. This ensures any rounding residual lands in the OA (the most-used account). For example, for a S$1,850 total contribution at age 32 (band 35-and-below): MA = S$1,850 × 0.2162 = S$400.00, SA = S$1,850 × 0.1621 = S$299.89, OA = S$1,850 − S$400.00 − S$299.89 = S$1,150.11.
Step 3 — Project 30-Year Balances with Band-Aware Compound Interest
The projection feature is what no competitor offers: as you age through your projection period, the calculator automatically switches allocation ratios at each age milestone (36, 46, 51, 56, 61, 66, 71). Compound interest is applied at OA’s 2.5% p.a. and SA/RA/MA’s 4.0% p.a. using a mid-year approximation. The 🔄 marker in the table shows exactly when an age band transition affects your allocations.
Why the projection matters: A 33-year-old earning S$6,000 who projects 20 years will automatically transition through the 36–45, 46–50, 51–55, and 56–60 age bands — each with different OA/SA/MA splits and (after 55) contribution rates. This calculator handles all transitions automatically.
These examples use the official CPF Board 2026 ratios. All figures in Singapore dollars.
Example 1 — Junior Professional, Age 29
SC, S$4,500/month, Age Band: 35 & Below
Total CPF (37%)S$1,665
OA (62.17%)S$1,035.13
SA (16.21%)S$269.90
MA (21.62%)S$359.97
Annual OAS$12,421
10-Year OA Est.~S$139,000
Example 2 — PMET Manager, Age 48
SC, S$8,000/month (at OW ceiling), Age Band: 46–50
Total CPF (37%)S$2,960
OA (51.36%)S$1,520.26
SA (21.62%)S$639.95
MA (27.02%)S$799.79
OA vs SA Interest Gap1.5% p.a.
Next Band at Age 51OA ↓ to 40.55%
Example 3 — Senior Worker, Age 58
SC, S$6,000/month, Age Band: 56–60 (RA)
Total CPF (30.5%)S$1,830
OA (35.30%)S$645.99
RA (33.82%)S$618.91
MA (30.88%)S$565.10
Next Band at Age 61OA ↓↓ to 14.00%
MA becomes42% of total
The Age 61 Cliff: Between the 56–60 and 61–65 bands, OA allocation drops from 35.30% to just 14.00% of total contributions. For a worker earning S$6,000, this represents a shift of approximately S$390/month away from OA toward RA and MA. This is the single largest allocation shift in the CPF lifecycle — and most Singaporeans only discover it when it happens on their 61st birthday.
3 Expert Tips to Optimise Your OA/SA/RA & MediSave Allocation in Singapore 2026
01
Tip 1 — Transfer OA to SA Before Age 55
You can transfer any excess OA savings to your SA (before SA closes at age 55), capturing the 4% SA interest rate versus OA’s 2.5%. On a S$50,000 OA balance, the interest gap is S$750/year — compounding significantly over 10–15 years. The transfer is one-way and irreversible: only do it if you have no near-term housing plans requiring OA funds. Use our OA to SA Transfer Calculator to quantify the gain before deciding.
02
Tip 2 — Track OA Usage for HDB Accrued Interest
When you use OA savings to pay your HDB mortgage, CPF Board tracks the accrued interest — the 2.5% that the OA would have earned. When you sell, you must refund the principal plus this accrued interest back to CPF before pocketing any cash proceeds. A S$200,000 OA withdrawal held for 20 years accrues approximately S$131,000 in interest. Knowing your allocation helps you model this “hidden debt” early. Use our CPF Accrued Interest Calculator for your full refund amount.
03
Tip 3 — Know the MediSave Contribution Ceiling
MediSave has a Basic Healthcare Sum (BHS) cap — S$75,500 in 2026. Once your MA hits the BHS, further MA contributions overflow to your SA (below 55) or RA (above 55). This means as your MA matures, more money effectively earns 4% in retirement savings rather than in MediSave. Track your MA balance regularly via your Singpass CPF statement — once you’re near the BHS, your projected balances will shift. Use our MediSave Calculator for detailed healthcare planning.
16 FAQs — CPF OA, SA/RA & MediSave Allocation Rates, Age Band Transitions & HDB OA Usage Singapore 2026
What is the CPF allocation rate for OA, SA, and MediSave in 2026?+
For members aged 35 and below in 2026, the allocation is: Ordinary Account (OA) 62.17%, Special Account (SA) 16.21%, and MediSave Account (MA) 21.62% of total CPF contributions. These ratios are applied by the CPF Board using official allocation tables. The split changes with each age band — by age 66–70, the MA receives 63.63% of contributions as healthcare needs grow.
How does CPF allocation change when I turn 36?+
At age 36, you move from the “35 and below” band to the “36–45” band. Your OA allocation drops from 62.17% to 56.77%, while SA rises from 16.21% to 18.91% and MA rises from 21.62% to 24.32%. On a S$5,000 salary (total CPF S$1,850), this means your OA receives S$97 less per month and your SA+MA receive S$97 more. The total CPF contribution rate remains unchanged at 37%. The change applies from the first day of the month following your 36th birthday.
Why does more CPF go to MediSave as I get older?+
CPF’s allocation design reflects Singapore’s national healthcare financing strategy. As members age, their likelihood of needing hospitalisation and long-term care increases. MediSave funds are used to pay MediShield Life premiums, Integrated Shield Plan premiums, hospitalisation bills, chronic disease management, and approved outpatient treatments. By directing an increasing share to MA, CPF ensures older members have adequate healthcare reserves. At age 66–70, over 63% of contributions go to MA; above 70 it reaches 84%.
Can I change how my CPF is allocated between OA, SA, and MA?+
No. The CPF allocation ratios are fixed by the CPF Board based solely on your age. You cannot choose to direct more CPF to OA instead of SA, or vice versa. What you can do is transfer OA savings to SA voluntarily (one-way, irreversible) to earn the higher 4% interest instead of OA’s 2.5%. You can also make voluntary cash top-ups to your SA/RA or MA, or invest your OA/SA savings through the CPF Investment Scheme (CPFIS). But the automatic monthly allocation from payroll contributions cannot be altered.
What happens to my SA allocation after age 55 — the Special Account closure?+
From 2025 onwards, the Special Account is closed when a member turns 55. A Retirement Account (RA) is created, and SA balances transfer to the RA up to the Full Retirement Sum. After this, contributions that the allocation table directs to “SA” go to your RA instead (until the FRS is met), or overflow to OA if the FRS has been reached. The allocation ratios themselves don’t change at age 55 — the destination simply changes from SA to RA. You can verify this in the rate table above: the “SA/RA” column shows the same percentages regardless of which account receives them.
What are the CPF OA and SA interest rates in 2026?+
In 2026, the Ordinary Account earns 2.5% per annum (floor rate, guaranteed by law). The Special Account, MediSave Account, and Retirement Account each earn approximately 4.0% per annum (the long-term rate, reviewed quarterly and currently around 4.0–4.14%). Members below 55 also earn an extra 1% per annum on the first S$60,000 of combined CPF balances (up to S$20,000 from OA). Members 55 and above earn an extra 2% on the first S$30,000 and 1% on the next S$30,000 in their RA.
Is the CPF allocation calculated as a percentage of salary or of contribution?+
The allocation ratios published by CPF Board are applied to the total CPF contribution (employee + employer combined), not directly to salary. For example, if your total contribution is S$1,850, the MA receives S$1,850 × 0.2162 = S$400.00, SA receives S$1,850 × 0.1621 = S$299.89, and OA receives the remainder S$1,150.11. CPF Board’s computation order is: MA first, then SA/RA, then OA gets the balance — ensuring rounding differences always land in the OA.
What is the MediSave Basic Healthcare Sum (BHS) and what happens when I hit it?+
The Basic Healthcare Sum (BHS) for 2026 is S$75,500. This is the cap on how much can be held in your MediSave Account. Once your MA balance reaches the BHS, any further contributions that would have gone to MA are redirected: below age 55, they go to your SA; at age 55 and above, they go to your RA (up to FRS) or OA. For active savers in their 40s with high MA balances, approaching the BHS can meaningfully boost SA growth years before retirement.
Can I use my OA balance to pay my HDB mortgage — and what is the accrued interest?+
Yes. The Ordinary Account is the primary source of CPF funds for HDB loan repayments and private property purchases. When you use OA savings for housing, CPF Board records the amount withdrawn and charges accrued interest at OA’s 2.5% p.a. from the date of withdrawal. When you sell the property, the principal plus accrued interest must be refunded to CPF before any cash proceeds are released. This is often called the “hidden debt” of CPF housing usage — a S$100,000 OA withdrawal held for 10 years accrues roughly S$28,000 in interest owed back to CPF.
Does CPF allocation change if I earn above the S$8,000 OW ceiling?+
No. The allocation ratios are applied to your total CPF contribution, which is itself capped at the S$8,000 OW ceiling. An employee earning S$12,000/month has CPF computed on S$8,000, then that contribution is split using the same allocation ratios as anyone else in their age band. The ratios do not change based on salary level — only on age band.
What is the largest single CPF allocation shift across age bands?+
The most dramatic single shift occurs when moving from the 56–60 band to the 61–65 band: OA allocation drops from 35.30% to 14.00% — a fall of 21.30 percentage points. Simultaneously, RA allocation rises from 33.82% to 44.00% and MA climbs from 30.88% to 42.00%. For a worker earning S$6,000/month with total CPF of S$1,830, this age-61 transition means approximately S$390 less per month flowing to OA and S$390 more split between RA and MA.
How does the extra 1% CPF bonus interest work and which accounts does it apply to?+
Members below 55 earn an extra 1% per annum on the first S$60,000 of combined CPF balances (with a S$20,000 sub-cap for OA). The interest is credited in the order: SA and MA first, then OA up to the S$20,000 sub-cap. This effectively means OA earns up to 3.5% on the first S$20,000, while SA and MA earn up to 5.0% on the first S$60,000 (net of the OA portion). For members 55 and above, the extra rates are 2% on the first S$30,000 of RA and 1% on the next S$30,000 — making total RA interest up to 6% on those tiers.
Is CPF allocation the same for PRs as for Singapore Citizens?+
The allocation ratios are the same — the same age-band percentages apply regardless of whether you are a Citizen, PR Year 1, or PR Year 2. What differs is the contribution rate: PR Year 1 contributes approximately 5% (employee) + 4% (employer) = 9% of wages total, while Year 2 PRs contribute roughly 15% + 8% = 23%. The smaller total contribution is then split using the same allocation ratios. From the 3rd year of PR status, the full Citizen rates apply.
What is the difference between CPF allocation and CPF contribution?+
CPF contribution refers to how much goes INTO CPF overall (employee + employer amounts), governed by contribution rate tables. CPF allocation refers to how that total contribution is SPLIT across accounts (OA, SA/RA, MA), governed by allocation rate tables. Both rates are age-based and published by CPF Board. This calculator handles the allocation step — showing exactly how many dollars land in each of your accounts. The CPF Contribution Calculator handles the contribution step — showing the total employee deduction, employer share, and take-home pay.
Can I verify my actual CPF account balances and allocation via Singpass?+
Yes. Log in to cpf.gov.sg using your Singpass credentials and navigate to “My Statement” to see your real OA, SA/RA, and MA balances, as well as a full transaction history showing each month’s allocation from your employer contributions. Contributions are typically credited by the 14th of the month following payroll. If the allocation amounts don’t match what this calculator shows, check whether your payroll system is using the correct wage ceiling or if your age band has recently changed.
Does this 30-year projection account for future salary changes or CPF policy changes?+
No. The projection assumes your salary remains constant at the amount entered, and that 2026 CPF Board rates remain unchanged. In practice, salaries typically rise with career progression, CPF ceilings may be adjusted, and interest rates could be revised by the CPF Board. The projection is designed as a baseline reference — it will always underestimate your actual CPF balance if your salary grows over time. It does, however, accurately account for the allocation band transitions as you age, which is the main structural shift that affects CPF composition.
Related CPF Tools — Contribution, OA Transfer, Accrued Interest & Retirement Sum Calculators Singapore
Data Sources: Allocation ratios sourced from the official CPF Board “CPF Allocation Rates from 1 January 2026” PDF (cpf.gov.sg). Contribution rates from the CPF Board “CPF Contribution Rate Tables from 1 January 2026.” Verified June 2026.
Projection Disclaimer: The 30-year projection is for educational reference only. It assumes constant salary, constant 2026 CPF rates, and simplified mid-year compounding. It does not include the extra 1% bonus interest tier, MediSave BHS overflow effects, voluntary top-ups, or salary increments. Actual balances will vary.
Not Financial Advice: SGFinanceCalculators.com is not a MAS-licensed financial adviser, CPF Board agent, or IRAS-registered tax advisor. Results are indicative only. Always verify with cpf.gov.sg or consult a licensed Financial Planner before making CPF-related decisions. For CPF enquiries call CPF Board at 1800-227-1188.
