Calculate your monthly CPF contributions and see how they split across your OA, SA, and Medisave accounts.
ℹ️Rates effective from 1 January 2026. Employment Pass holders do not contribute to CPF — this calculator is for Singapore Citizens and PRs only.
🏦 Your Details
S$
SGD 500SGD 20,000
Edit CPF Rates (if rates change)
Changing age group resets these to the official 2026 rates.
📊 Monthly CPF Breakdown
Employee Contribution
S$1,000
20% of capped salary
Employer Contribution
S$850
17% of capped salary
Total CPF (Monthly)
S$1,850
Goes into your 3 accounts
Take-Home Pay
S$4,000
Gross minus employee CPF
CPF Account Allocation (Monthly)
Ordinary Account
S$621
Housing, education, investment
Special Account
S$300
Retirement savings
Medisave
S$400
Healthcare costs
Annual CPF Total
S$22,200
Annual Take-Home
S$48,000
What this means: Your take-home pay is your gross salary minus your employee CPF contribution. Your employer pays an additional amount on top of your salary that goes directly into your CPF accounts, not your bank account.
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Your OA earns 2.5% interest per year, while your SA earns 4%. You can top up your SA voluntarily (up to SGD 8,000/year for tax relief) to grow your retirement nest egg faster.
Disclaimer: CPF rates shown are effective from 1 January 2026, sourced from CPF Board official guidelines. Results are estimates for reference only. Consult a financial advisor for personalised advice. OW ceiling: SGD 8,000/month. AW ceiling: SGD 102,000 minus total OW subject to CPF for the year.