Singapore CPF Calculator 2026
Calculate CPF (Central Provident Fund) contributions for employees and employers in Singapore. Total contribution rate up to 37% (20% employee + 17% employer) with allocation to Ordinary Account, Special Account, and MediSave Account.
How does Singapore CPF work?
The Central Provident Fund (CPF) or 公积金 is Singapore's comprehensive social security savings scheme. For most employees under 55, the total contribution rate is 37% of wages (20% from employee, 17% from employer). Contributions are allocated across three accounts: Ordinary Account (OA) for housing and education, Special Account (SA) for retirement and investment, and MediSave Account (MA) for healthcare. As age increases, the total contribution rate decreases. The CPF annual salary ceiling is SGD 102,000 (as of 2026). The OA pays 2.5% interest, SA and MA pay 4.08% and 4.08% respectively, with additional interest for the first SGD 60,000 of combined balances.
Singapore CPF Calculator 2026 — 37% Total
Calculate Singapore CPF contributions 2026: total rate up to 37%, Ordinary Account 23%, Special Account 6%, MediSave Account 8%. Free calculator.
CPF applies to Ordinary Wage ceiling of SGD 6,000/month (2026).