Know Exactly Where Your CPF Money Goes
Find out exactly how much goes into each CPF account — your Ordinary, Special, and MediSave — and what your employer contributes on top. All based on your income and age group, in seconds.
See how the Budget 2023 income ceiling changes affect your take-home pay as the CPF ceiling rose from $6,000 to $8,000 in January 2026.
$2,000.00 more of your monthly income is subject to CPF contributions
The income ceiling rose 33% — from $6,000.00 to $8,000.00. If you earn above the old ceiling, your take-home pay may decrease but your OA, SA, and MA grow faster.
What Would You Like to Know?
CPF (Central Provident Fund) is Singapore's mandatory social security savings scheme. Every Singapore Citizen and Permanent Resident who is employed must contribute a portion of their monthly salary to CPF, with their employer also contributing.
CPF contributions are distributed across three accounts: the Ordinary Account (OA) for housing, insurance, investment, and education; the Special Account (SA) for retirement and retirement-related investments; and the MediSave Account (MA) for healthcare and medical insurance.
Contribution rates and distribution vary by age group — there are 8 age brackets with different rates. Income above the CPF income ceiling is not subject to CPF contributions.
Current income ceiling (2026)
S$8,000
Final ceiling under 2023 Budget changes
OA interest rate (floor)
2.5% p.a.
Fixed, not pegged to SGS
SMRA interest rate (floor)
4% p.a.
Minimum guaranteed; may earn more
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