CPF Calculator Singapore 2026
Estimate your Central Provident Fund (CPF) contributions, account allocations (Ordinary Account, Special Account, MediSave Account), and projected growth with interest rates. This educational calculator allows you to customize contribution rates, wage ceilings, allocation percentages, and interest assumptions to model different scenarios for retirement planning.
CPF Calculator
Estimate CPF contributions, allocation (OA/SA/MA), and growth with interest — using the settings you choose.
Wage Ceilings
Contribution Rates
Allocation Percentages
Interest Rates (% per annum)
Account Caps & Constraints
Withdrawals & Transfers (Optional)
CPF Results
Plan your CPF with clarity
- Compare contribution and growth scenarios
- Export a breakdown for your records
Detailed CPF Breakdown
| Date | Wages (OW) | Bonus (AW) | Employee CPF | Employer CPF | OA Contrib | SA Contrib | MA Contrib | Interest | Total Balance |
|---|
How CPF Calculations Work
The Central Provident Fund (CPF) is Singapore's comprehensive social security system. Both employees and employers make monthly contributions based on the employee's wages. These contributions are split between three main accounts:
- Ordinary Account (OA): For housing, insurance, investment, and education
- Special Account (SA): For retirement and investment in retirement-related products
- MediSave Account (MA): For healthcare expenses and approved medical insurance
Ordinary Wage (OW) vs Additional Wage (AW)
Ordinary Wage (OW) includes your regular monthly salary, allowances, and overtime pay. Additional Wage (AW) covers bonuses, annual wage supplements (13th month), and other irregular payments. Both are subject to CPF contribution ceilings. As of 2026, the OW ceiling is S$8,000 per month, and the AW ceiling is S$102,000 per year.
Contribution Split
For employees aged 55 and below, the standard contribution rates (2026) are:
- Employee contribution: 20% of wages (up to the ceiling)
- Employer contribution: 17% of wages (up to the ceiling)
- Total CPF contribution: 37%
Contribution rates vary by age band. Older workers have lower contribution rates, and the allocation to OA/SA/MA also changes with age.
\( TotalCPF = EmployeeCPF + EmployerCPF \)
\( EmployeeCPF = \min(OW, OW_{ceiling}) \times e\% + \min(AW, AW_{ceiling}) \times e\% \)
\( EmployerCPF = \min(OW, OW_{ceiling}) \times r\% + \min(AW, AW_{ceiling}) \times r\% \)
How Interest and Growth Work
CPF balances earn guaranteed interest rates set by the government and reviewed quarterly:
- OA: 2.5% per annum (floor rate)
- SA: 4.0% per annum
- MA: 4.0% per annum
Interest is compounded monthly. The effective monthly interest rate is calculated as:
\( i_m = (1 + i_{annual})^{1/12} - 1 \)
Where \( i_{annual} \) is the annual interest rate expressed as a decimal (e.g., 0.025 for 2.5%).
Extra Interest on CPF Balances
To boost retirement adequacy, the government pays extra interest on CPF balances:
- Members below 55: Extra 1% on the first S$60,000 of combined balances (capped at S$20,000 for OA)
- Members 55 and above: Extra 2% on the first S$30,000, and extra 1% on the next S$30,000 (capped at S$20,000 for OA)
This calculator allows you to enable a simplified extra interest model for educational purposes.
\( Bal_{t+1} = (Bal_t + Contrib_t - Withdraw_t + Transfer_t) \times (1 + i_m) \)
Where:
- \( Bal_t \) = Balance at month \( t \)
- \( Contrib_t \) = Contributions in month \( t \)
- \( Withdraw_t \) = Withdrawals in month \( t \)
- \( Transfer_t \) = Transfers in month \( t \)
- \( i_m \) = Monthly interest rate
Account Allocation
CPF contributions are allocated to OA, SA, and MA based on your age. For example, members aged 35 and below have approximately:
\( OA = TotalCPF \times 62.17\% \)
\( SA = TotalCPF \times 16.21\% \)
\( MA = TotalCPF \times 21.62\% \)
Older members have higher allocations to SA/MA and lower to OA to prioritize retirement and healthcare savings.
Tips to Use This Calculator
- Start with presets: Use the age band dropdown to auto-fill contribution rates and allocation percentages for 2026. These are editable.
- Compare scenarios: Switch between "Contribution," "Growth," and "Retirement" modes to model different planning needs.
- Adjust assumptions: Expand the "Optional: ceilings, allocation & special rules" section to customize wage ceilings, interest rates, and other parameters.
- Project your growth: In Growth mode, enter your current CPF balances and projection period. Add expected salary growth and voluntary top-ups for a realistic forecast.
- Review the breakdown: Click "Show detailed breakdown" to see month-by-month or year-by-year data. Export to CSV or print for your records.
- Verify with official sources: CPF rules change. Always cross-check with cpf.gov.sg for the latest rates and policies.
- Save your inputs: Enable "Remember my inputs" to store your preferences locally (browser only; no data sent to servers).
Frequently Asked Questions (FAQ)
About This Calculator
This CPF Calculator is created and maintained by OmniCalculator.Space, a platform dedicated to building transparent, educational financial and scientific calculators. Our goal is to help Singaporeans, employers, students, and families understand CPF mechanics and plan their finances with confidence.
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Author: OmniCalculator.Space Team | Last Updated: January 2026
⚠️ Disclaimer
This calculator is for educational purposes only and is not financial advice. CPF contribution rates, wage ceilings, allocation percentages, interest rates, and rules are set by the CPF Board and Singapore government, and may change without notice. While we strive to keep presets up-to-date, you should always verify official rates and regulations at cpf.gov.sg.
The calculator allows full customization of parameters for scenario modeling, but does not claim official compliance with CPF regulations. For personalized financial planning, consult a licensed financial advisor.
No sensitive personal data is collected. Calculations are performed entirely in your browser. If you enable "Remember my inputs," data is stored locally on your device only.