How to use this calculator
Enter your monthly ordinary wages and any additional wages paid this month. Select the age band that applies to you, then choose your CPF status. The calculator estimates your employee CPF deduction, total CPF contribution, and how the contribution may be allocated into CPF accounts.
- 2026 contribution rates
- $8,000 OW ceiling
- OA / SA or RA / MA allocation estimate
Total CPF Contribution | $0.00 |
Employee CPF Deduction | $0.00 |
Cash Take Home | $0.00 |
Employer CPF Contribution | $0.00 |
Ordinary Account | $0.00 |
Special Account | $0.00 |
MediSave Account | $0.00 |
Wages Used For CPF | $0.00 |
CPF Account Allocation Calculator
This CPF calculator helps Singapore employees estimate cash take-home pay after employee CPF, and how CPF contributions may be allocated 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 labels the middle account as Retirement Account instead of Special Account. Final CPF balances can differ because of CPF Board rounding, annual wage ceilings, Full Retirement Sum rules, contribution adjustments and individual account circumstances.
CPF Calculator FAQ
What does this CPF calculator show?
This calculator estimates how CPF contributions may be allocated into Ordinary Account, Special Account or Retirement Account, and MediSave Account based on salary, age band and CPF status.
Does this show employee CPF only?
The account allocation is estimated from total CPF contributions, including both employer and employee shares. The calculator also shows the employee deduction separately.
Why does the calculator show Retirement Account instead of Special Account after age 55?
CPF Board allocation guidance states that after Special Account closure for members aged 55 and above, relevant contributions are allocated to Retirement Account up to the Full Retirement Sum, with excess channelled according to CPF rules.
Is this an official CPF Board calculator?
No. This is an SBO.sg estimation tool. Employees should verify exact CPF contribution and account allocation amounts with CPF Board records and official CPF calculators.
Reference regulations used to build this CPF calculator
Disclaimer for this CPF calculator
This tool is an estimate and is not an official CPF Board calculator. Use CPF Board records, official CPF calculators and employer payroll records before making financial or employment decisions.
