Singapore CPF Calculator

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Your Details

Your age this year (16–100)

OW ceiling: S${{ formatNum(r('owCeiling', 8000)) }}/month

13th-month pay, annual bonus, etc.

Number of months with OW in this year

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Monthly Contribution (on OW)

Employee

{{ formatCurrency(r('monthlyContribution', {}).employee) }}

{{ r('employeeRate') }}%

Employer

{{ formatCurrency(r('monthlyContribution', {}).employer) }}

{{ r('employerRate') }}%

Total Monthly

{{ formatCurrency(r('monthlyContribution', {}).total) }}

{{ r('totalRate') }}%

Annual Total

{{ formatCurrency(r('annualTotal', {}).total) }}

OW + AW

OW capped at S${{ formatNum(r('owCeiling')) }}/month (your OW: S${{ formatNum(r('monthlyOW')) }}). Max monthly CPF: S${{ formatNum(r('maxMonthlyCPF')) }} ({{ r('totalRate') }}% x S${{ formatNum(r('owCeiling')) }} ceiling). CPF Annual Limit: S${{ formatNum(r('cpfAnnualLimit')) }}.

Component	Employee	Employer	Total
Monthly on OW (S${{ formatNum(r('cappedOW')) }})	{{ formatCurrency(r('monthlyContribution', {}).employee) }}	{{ formatCurrency(r('monthlyContribution', {}).employer) }}	{{ formatCurrency(r('monthlyContribution', {}).total) }}
Annual on OW ({{ r('monthsWorked') }} months)	{{ formatCurrency(r('annualOWContribution', {}).employee) }}	{{ formatCurrency(r('annualOWContribution', {}).employer) }}	{{ formatCurrency(r('annualOWContribution', {}).total) }}
Annual on AW (S${{ formatNum(r('cappedAW')) }})	{{ formatCurrency(r('awContribution', {}).employee) }}	{{ formatCurrency(r('awContribution', {}).employer) }}	{{ formatCurrency(r('awContribution', {}).total) }}
Total Annual CPF	{{ formatCurrency(r('annualTotal', {}).employee) }}	{{ formatCurrency(r('annualTotal', {}).employer) }}	{{ formatCurrency(r('annualTotal', {}).total) }}

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Monthly Allocation

Ordinary Account (OA)

{{ formatCurrency(r('monthlyAllocation', {}).oa) }}

{{ r('oaRate') }}% of wages

{{ r('secondAccountName', 'Special Account') }} ({{ r('secondAccountLabel', 'SA') }})

{{ formatCurrency(r('monthlyAllocation', {}).sa) }}

{{ r('saRate') }}% of wages

MediSave Account (MA)

{{ formatCurrency(r('monthlyAllocation', {}).ma) }}

{{ r('maRate') }}% of wages

OA {{ r('oaPct') }}%

{{ r('secondAccountLabel', 'SA') }} {{ r('saPct') }}%

MA {{ r('maPct') }}%

OA {{ r('oaPct') }}% {{ r('secondAccountLabel', 'SA') }} {{ r('saPct') }}% MA {{ r('maPct') }}%

Annual Allocation Breakdown

Source	OA	{{ r('secondAccountLabel', 'SA') }}	MA	Total
Monthly on OW	{{ formatCurrency(r('monthlyAllocation', {}).oa) }}	{{ formatCurrency(r('monthlyAllocation', {}).sa) }}	{{ formatCurrency(r('monthlyAllocation', {}).ma) }}	{{ formatCurrency(r('monthlyContribution', {}).total) }}
Annual OW ({{ r('monthsWorked') }} mo.)	{{ formatCurrency(safe(r('monthlyAllocation', {}).oa) * r('monthsWorked')) }}	{{ formatCurrency(safe(r('monthlyAllocation', {}).sa) * r('monthsWorked')) }}	{{ formatCurrency(safe(r('monthlyAllocation', {}).ma) * r('monthsWorked')) }}	{{ formatCurrency(r('annualOWContribution', {}).total) }}
AW (S${{ formatNum(r('cappedAW')) }})	{{ formatCurrency(r('awAllocation', {}).oa) }}	{{ formatCurrency(r('awAllocation', {}).sa) }}	{{ formatCurrency(r('awAllocation', {}).ma) }}	{{ formatCurrency(r('awContribution', {}).total) }}
Annual Total	{{ formatCurrency(r('annualAllocation', {}).oa) }}	{{ formatCurrency(r('annualAllocation', {}).sa) }}	{{ formatCurrency(r('annualAllocation', {}).ma) }}	{{ formatCurrency(r('annualTotal', {}).total) }}

At age 55, your Special Account (SA) is closed and a Retirement Account (RA) is created. Contributions that previously went to SA now go to RA.

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Additional Wage Ceiling

Monthly OW (capped at ceiling)

S${{ formatNum(numVal(monthlyOW)) }} → capped at S${{ formatNum(r('owCeiling')) }} (within ceiling)

Total OW subject to CPF for the year

S${{ formatNum(r('cappedOW')) }} x {{ r('monthsWorked') }} months = S${{ formatNum(r('totalOWForYear')) }}

Annual salary ceiling

S${{ formatNum(r('annualCeiling', 102000)) }}

4
AW Ceiling = Annual ceiling − Total OW

                      S${{ formatNum(r('annualCeiling', 102000)) }} − S${{ formatNum(r('totalOWForYear')) }}
                      = S${{ formatNum(r('awCeiling')) }}
                    

Your Additional Wages

S${{ formatNum(numVal(annualAW)) }} → capped at S${{ formatNum(r('awCeiling')) }} (within ceiling)

6
CPF on Additional Wages

                      Employee S${{ formatNum(r('awContribution', {}).employee) }}
                      + Employer S${{ formatNum(r('awContribution', {}).employer) }}
                      = S${{ formatNum(r('awContribution', {}).total) }}
                    

Total OW/yr

AW Ceiling

AW Subject to CPF

CPF on AW

{{ formatCurrency(r('awContribution', {}).total) }}

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{{ selectedYear }} CPF Rates (SC / 3rd-year+ SPR)

Contribution Rates

Age Group	Employee	Employer	Total
{{ row.ageLabel }}	{{ row.employee }}%	{{ row.employer }}%	{{ row.total }}%

Allocation Rates (% of Total Wages)

Age Group	OA	SA/RA	MA	Total
{{ row.ageLabel }}	{{ row.oa }}%	{{ row.sa }}% ({{ row.secondAccountLabel }})	{{ row.ma }}%	{{ row.total }}%

This calculator provides estimates for Singapore Citizens and 3rd-year-onwards SPRs.
1st and 2nd-year SPRs have different graduated rates.
For official rates, visit CPF Board — Employer Obligations.
OW ceiling {{ selectedYear }}: S${{ formatNum(r('owCeiling', 8000)) }}/month · Annual ceiling: S$102,000

Your Details

Monthly Contribution (on OW)

Monthly Allocation

Additional Wage Ceiling

{{ selectedYear }} CPF Rates (SC / 3rd-year+ SPR)

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