CPF Calculator
Split Singapore CPF contributions into Ordinary, Special and MediSave accounts for employees aged 55 and below.
About the CPF Calculator
For Singapore citizens and permanent residents (from the third year) aged 55 and below, total CPF contributions are 37% of wages: 17% from the employer and 20% from the employee, on ordinary wages up to $8,000 a month in 2026. The share going to each account depends on age.
The formula
Total = 37% × min(wage, $8,000)
Allocation (% of wages)
| Age | OA | SA | MA |
|---|---|---|---|
| 35 and below | 23 | 6 | 8 |
| Above 35–45 | 21 | 7 | 9 |
| Above 45–50 | 19 | 8 | 10 |
| Above 50–55 | 15 | 11.5 | 10.5 |
Worked example
Example: Total CPF contribution = $2,442.00
- Inputs: Monthly ordinary wage: $6,600; Age: 33 years.
- Formula: Total = 37% × min(wage, $8,000)
- Result: Total CPF contribution = $2,442.00
Things to keep in mind
- Rates for first- and second-year PRs and for workers above 55 differ.
Questions people ask
What's the wage ceiling?
$8,000 a month for ordinary wages from 1 January 2026.
What can OA be used for?
Housing, insurance, investment and education.