How to use this calculator
Enter a monthly wage, select the age band, then choose Citizen or PR status. The calculator estimates the total CPF contribution and shows the account allocation as amounts and percentages.
- 2026 contribution rates
- $8,000 monthly OW ceiling
- OA / SA / MA or RA / OA / MA split
Total CPF Contribution | $0.00 0% |
Age Band Used | - |
Status Used | - |
Wage Used For CPF | $0.00 |
Ordinary Account | $0.00 0% |
Special Account | $0.00 0% |
MediSave Account | $0.00 0% |
CPF Account Allocation Calculator
This CPF allocation calculator helps Singapore employees estimate how monthly CPF contributions may be split into Ordinary Account, Special Account or Retirement Account, and MediSave Account. It uses CPF contribution rates effective from 1 January 2026 and CPF Board allocation ratios for private sector and non-pensionable employees.
For members aged 55 and above, the calculator shows Retirement Account instead of Special Account. Final CPF balances can differ because of CPF Board rounding, Full Retirement Sum rules, contribution adjustments and individual account circumstances.
CPF Allocation Calculator FAQ
What does this CPF allocation calculator show?
It estimates how a monthly CPF contribution may be allocated into Ordinary Account, Special Account or Retirement Account, and MediSave Account based on monthly wage, age band and CPF status.
Is this the same as a CPF contribution calculator?
No. This page focuses on account allocation. It shows the total estimated CPF contribution and the account split, not the detailed employer and employee share breakdown.
Why does the calculator show Retirement Account for age 55 and above?
CPF allocation rules use Retirement Account instead of Special Account for members aged 55 and above, subject to CPF Board rules such as the Full Retirement Sum.
Is this an official CPF Board calculator?
No. This is an SBO.sg estimation tool. Users should verify exact contribution and allocation amounts with CPF Board records and official CPF calculators.
Reference regulations used to build this CPF allocation calculator
Disclaimer for this CPF allocation calculator
This tool is an estimate and is not an official CPF Board calculator. It shows an allocation view only. Use CPF Board records, official CPF calculators and employer payroll records before making financial or employment decisions.
