CPF Calculator: Project Your Balance, Allocation & CPF LIFE
Project your CPF balances to age 65, see how monthly contributions are allocated across your Ordinary, Special, and MediSave accounts, and estimate your CPF LIFE payouts — using the latest 2026 rates.
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Applicable Rates
Age 30, Citizen
Total Monthly Contribution
S$1,850Employee (20%)
S$1,000Employer (17%)
S$850Ordinary Account
S$1,150Used for housing, insurance, and investment.
Special Account
S$300For old age and retirement-related investments.
Medisave Account
S$400For hospitalization and approved medical insurance.
Est. Total Annual Addition
S$22,200Based on 12 months of contributions.
Disclaimer: These figures are mathematical projections based on current CPF interest rates, allocation rules, and your inputs. Actual balances and monthly payouts may vary significantly due to future changes in CPF policies, interest rates, or your employment status. This is an unofficial estimate and does not constitute financial advice.
Project Your CPF Growth
Enter your current CPF balances to see projected growth to age 70, including compound interest, bonus interest, and age-55 transitions.
At Age 55
S$1,234,231
FRS met
At Age 65 — CPF LIFE
Est. Monthly Payout (Standard)
S$7,820/mo
Interest vs Contributions
Total Contributions
S$1,008,624
Total Interest Earned
S$1,417,166
Final Balance at 70
S$2,558,750
CPF LIFE payout estimates are approximate projections based on 2026 reference figures. Actual payouts are determined by CPF Board based on cohort life expectancy and prevailing interest rates. Projections assume constant CPF policies, interest rates, and OW ceiling.
Your Retirement Income
Estimate your CPF LIFE monthly payouts based on your projected Retirement Account balance. Compare plans and see how deferring your payout start age increases income.
Payout Start Age
Deferring payouts increases your monthly income by ~7% per year
per month
Higher fixed payouts for life
Payouts do not change over time
Lower bequest upon death
per month
Lower fixed payouts for life
Payouts do not change over time
Higher bequest upon death
per month (starting)
Lower starting payouts
Increases 2% yearly to offset inflation
Lower bequest upon death
Retirement Sum Progress
Your projected RA balance at 65 relative to official retirement sums (2026 values).
Enhanced Retirement Sum
Projected RA at 65: S$1,101,122
Retirement Readiness
CPF LIFE Monthly Income
S$7,820
Standard Plan, starting age 65
Annual Payout
S$93,840
vs. Median Household Expenses
156%
of S$5,000/mo
Based on median monthly household expenditure (retiree)
Withdrawable OA at 55
S$519,104
Above RA minimum, can be withdrawn as lump sum
Subject to meeting CPF retirement sum requirements. Check eligibility at cpf.gov.sg.
How CPF LIFE Works
CPF LIFE provides monthly payouts for life from your Retirement Account. You choose from three plans when you turn 65. Payouts begin at your selected start age (65–70), with higher payouts for later starts.
Ways to potentially increase payouts
Ways CPF members can potentially increase retirement payouts include voluntary SA/RA top-ups, deferring payout start age, and OA-to-SA transfers. Each option has trade-offs — learn more at cpf.gov.sg.
Retirement sum figures are based on 2026 values published by CPF Board. Actual retirement sums grow annually and will differ for your cohort. CPF LIFE payout estimates are indicative and based on interpolation from published reference points. Actual payouts depend on cohort pool size, prevailing interest rates, and plan selection. This is not financial advice — consult CPF Board or a licensed advisor for personalized guidance.
Understanding CPF in Singapore (2026)
The Central Provident Fund (CPF) is Singapore’s mandatory social security savings scheme, administered by the CPF Board. Every working Singapore Citizen and Permanent Resident builds retirement, healthcare, and housing savings through monthly contributions split across three accounts: the Ordinary Account (OA), the Special Account (SA), and the MediSave Account (MA). From age 55, a Retirement Account (RA) is created and CPF LIFE provides lifelong monthly payouts from your chosen start age (65–70). The figures and rules below reflect CPF Board policy effective 1 January 2026.
CPF contribution rates by age (Citizens & PR 3rd year+)
For wages above S$750/month. Graduated rates apply between S$50 and S$750. Permanent Residents in their 1st and 2nd years use lower rates unless they jointly elect for full rates with their employer.
| Age band | Employee | Employer | Total |
|---|---|---|---|
| 55 and below | 20% | 17% | 37% |
| Above 55 to 60 | 18% | 16% | 34% |
| Above 60 to 65 | 12.5% | 12.5% | 25% |
| Above 65 to 70 | 7.5% | 9% | 16.5% |
| Above 70 | 5% | 7.5% | 12.5% |
Source:CPF Board — How much CPF contributions to payopen_in_new
Allocation across OA, SA/RA, and MA
Each dollar of CPF contribution is split between three accounts. The Ordinary Account share shrinks with age while the MediSave share grows. From age 55, the Special Account is closed and its share is redirected to the Retirement Account.
| Age band | OA | SA / RA | MA |
|---|---|---|---|
| 35 and below | 62.17% | 16.21% | 21.62% |
| Above 35 to 45 | 56.77% | 18.91% | 24.32% |
| Above 45 to 50 | 51.36% | 21.62% | 27.02% |
| Above 50 to 55 | 40.55% | 31.08% | 28.37% |
| Above 55 to 60 | 35.30% | 33.82% | 30.88% |
| Above 60 to 65 | 14.00% | 44.00% | 42.00% |
| Above 65 to 70 | 6.07% | 30.30% | 63.63% |
| Above 70 | 8.00% | 8.00% | 84.00% |
Source:CPF Board — Contribution computation and allocation ratesopen_in_new
Key CPF numbers for 2026
The ceilings, retirement sums, and interest floors that the calculator uses. These are official figures published by the CPF Board and are reviewed annually.
| Item | Value |
|---|---|
| Ordinary Wage (OW) ceiling | S$8,000 / month |
| Annual Salary Ceiling | S$102,000 / year |
| Annual CPF Contribution Limit | S$37,740 / year |
| Additional Wage (AW) ceiling | S$102,000 − (capped OW × 12) |
| Basic Retirement Sum (BRS, 2026) | S$110,200 |
| Full Retirement Sum (FRS, 2026) | S$220,400 |
| Enhanced Retirement Sum (ERS, 2026) | S$440,800 |
| OA interest rate | 2.5% p.a. (floor) |
| SA / MA / RA interest rate | 4.0% p.a. (floor) |
| Extra interest (below 55) | +1% on first S$60,000 combined |
| Extra interest (55 and above) | +1% on first S$30,000, +1% more on next S$30,000 |
| CPF LIFE payout start age | Between 65 and 70 (deferral adds ~7% / yr) |
Sources:Wage ceilings & contribution limitsopen_in_new·CPF interest ratesopen_in_new·Retirement sums & CPF LIFEopen_in_new
Quick facts about CPF
- check_circleCPF contributions are calculated on gross wages, not take-home pay. The employee’s share is deducted before income tax.
- check_circleTotal contributions are rounded to the nearest dollar, while the employee’s share is rounded down (floored) — the employer absorbs the rounding difference.
- check_circleWages between S$50 and S$750/month use graduated rates with reduced employee shares. Below S$50, no CPF is payable.
- check_circleThe Additional Wage (AW) ceiling equals S$102,000 minus your capped Ordinary Wages over 12 months. Bonuses above this ceiling do not attract CPF.
- check_circleThe Special Account was closed for members aged 55 and above from 2025. Existing SA balances were transferred to the RA up to the FRS, with any excess moving to the OA.
- check_circleCPF LIFE provides monthly payouts for life from the start age you choose between 65 and 70. Deferring increases payouts by approximately 7% per year of deferral.
- check_circleVoluntary cash top-ups to your SA/RA or MA qualify for up to S$8,000 in tax relief per year, with an additional S$8,000 available for top-ups to family members — see CPF Board guidance on top-upsopen_in_new.
- check_circleCPF interest is compounded monthly and credited in January each year. Rates are reviewed quarterly but are subject to legislated floor rates (2.5% for OA, 4.0% for SA / MA / RA).
Frequently asked questions
Common questions about CPF contributions, retirement sums, and CPF LIFE — answered using the latest 2026 figures.
How much CPF will I have at 55 and 65?
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It depends on salary, age, and contribution history. For example, a 30-year-old Singapore Citizen earning S$5,000/month with 3% annual salary growth can expect approximately S$1,000,000–S$1,200,000 in total CPF balances by age 55, and S$2,000,000–S$2,200,000 by age 65, assuming current 2026 interest rates (OA: 2.5%, SA: 4.0%, MA: 4.0%). Use the SGfi CPF calculator above to project balances based on your actual salary and age.
What are the CPF contribution rates in 2026?
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For Singapore Citizens aged 55 and below earning above S$750/month, the total CPF contribution rate is 37% of gross salary — 20% from the employee and 17% from the employer. Rates decrease in stages after age 55: 34% for ages 55–60, 25% for ages 60–65, 16.5% for ages 65–70, and 12.5% for ages above 70. Permanent Residents follow graduated rates depending on PR year (1st, 2nd, or 3rd year and beyond).
What is the CPF salary ceiling in 2026?
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The CPF Ordinary Wage (OW) ceiling is S$8,000 per month as of 2026. This means CPF contributions are calculated on a maximum of S$8,000 of monthly salary, even if gross pay exceeds this amount. The Annual Salary Ceiling is S$102,000, and the total CPF Annual Limit (across Ordinary and Additional Wages) is S$37,740.
How much CPF LIFE payout will I receive monthly?
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CPF LIFE monthly payouts depend on the Retirement Account balance at age 65. Under the Standard Plan, the approximate monthly payouts are: Basic Retirement Sum (S$110,200) gives around S$870–S$950/month, Full Retirement Sum (S$220,400) gives around S$1,720–S$1,870/month, and Enhanced Retirement Sum (S$440,800) gives around S$3,400–S$3,700/month. Deferring the payout start age from 65 to 70 increases monthly income by roughly 7% per year of deferral.
What are the CPF Retirement Sums for 2026?
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The CPF Retirement Sums for members turning 55 in 2026 are: Basic Retirement Sum (BRS) S$110,200, Full Retirement Sum (FRS) S$220,400, and Enhanced Retirement Sum (ERS) S$440,800. These amounts increase annually to account for inflation and rising living costs.
How is CPF split between OA, SA, and MA?
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For Singapore Citizens aged 35 and below, contributions are split roughly 62.17% to the Ordinary Account (OA), 16.21% to the Special Account (SA), and 21.62% to the MediSave Account (MA). The OA share decreases with age while the MA share increases — by age 60–65 the OA share is just 14% and MA is 42%. After age 55, the SA is closed and balances are transferred to the Retirement Account (RA).
What CPF contributions do Permanent Residents pay?
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Permanent Residents follow graduated CPF contribution rates. In the 1st year of PR status, total contributions can be as low as 4% employer + 5% employee. In the 2nd year these rise to 9% + 15%. By the 3rd year and beyond, PR contribution rates match Singapore Citizens at 17% employer + 20% employee for those aged 55 and below. Employers may opt for full rates from the 1st year via joint application with the employee.
What interest rates does CPF pay in 2026?
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The CPF Ordinary Account (OA) earns 2.5% per annum (the floor rate). The Special Account (SA), MediSave Account (MA), and Retirement Account (RA) earn 4.0% per annum (the floor rate). Members below 55 earn an extra 1% on the first S$60,000 of combined balances (with up to S$20,000 from OA). Members aged 55 and above earn an extra 1% on the first S$30,000 and an additional 1% on the next S$30,000 of combined balances. Interest rates are reviewed quarterly by the CPF Board.
What happens to my Special Account after age 55?
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From 2025 onwards, the Special Account (SA) is closed when a member turns 55. SA savings are first transferred to the newly created Retirement Account (RA) up to the Full Retirement Sum. Any remaining SA balance flows to the Ordinary Account, where it can be withdrawn or kept earning OA interest. From age 55, ongoing CPF contributions that previously went to SA are allocated directly to the RA instead.
Can I withdraw CPF money before retirement?
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CPF savings are generally locked until age 55. Limited withdrawals before 55 are allowed for specific purposes such as housing (HDB and private property under the Public/Private Housing Scheme), approved investments (CPFIS), insurance, education (CPF Education Scheme), and approved medical expenses. From age 55, members can withdraw a lump sum above their Full Retirement Sum, and CPF LIFE payouts begin from the chosen start age (between 65 and 70).
Are CPF contributions tax deductible?
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Mandatory employee CPF contributions are tax-exempt — they are deducted from gross salary before income tax is computed. Voluntary cash top-ups to your own Special / Retirement Account or MediSave (under the Retirement Sum Topping-Up Scheme) qualify for tax relief of up to S$8,000 per year. An additional S$8,000 relief is available for top-ups made to family members’ CPF accounts. Total personal income tax relief from all sources is capped at S$80,000 per year.
Official sources
Figures on this page are based on CPF Board publications effective 1 January 2026. For the most up-to-date official information, refer directly to:
- CPF contribution rates, ceilings & allocationopen_in_new
- CPF interest rates & extra interestopen_in_new
- Retirement income, BRS / FRS / ERSopen_in_new
- CPF LIFE monthly payoutsopen_in_new
- Top-ups & tax relief (up to S$16,000)open_in_new
This page is for informational purposes only and does not constitute financial advice. Always verify figures with the CPF Board before making financial decisions.