Contributions run to this age; balances keep earning interest to your plan age.
Goes to SA (below 55) or RA (55+), capped at your Full Retirement Sum headroom. First $8,000/yr earns tax relief.
What we assumed
- Contribution rates (2026): 20% employee + 17% employer up to age 55, on wages up to the S$8,000/month Ordinary Wage ceiling. Citizen / 3rd-year-PR rates; 1st/2nd-year PR rates not modelled (v1).
- Allocation per CPF Board's 2026 table: at ≤35, 62.17% of your contribution goes to OA, 16.21% to SA, 21.62% to MA — the split shifts every age band, and we apply each birthday's new band automatically.
- Interest: OA 2.5% p.a., SA/MA 4% p.a. (SMRA floor extended to 31 Dec 2027), credited monthly in this model. Rates can change; the floor dates are announced yearly.
- Bonus interest: +1% on the first S$60,000 of combined balances (under 55; OA counts at most S$20,000 toward that base). Credited to SA in our simplification.
- MediSave ceiling: capped at the Basic Healthcare Sum (S$79,000 in 2026), which we grow at ≈4%/yr — its recent indexing trajectory. Contribution overflow above it goes to SA.
- Retirement age: contributions stop at the age you say you'll stop working; from 55 your SA closes and the RA forms; balances keep earning interest to your plan age. Projection supported for ages 18–60 (older gets messy with withdrawals and payouts).
- Self top-up (RSTU): your yearly top-up is added monthly to SA (below 55) or RA (55+), capped so your retirement sum stays within that year's Full Retirement Sum — the same cap CPF Board applies. Only the first S$8,000/yr earns tax relief, at your marginal rate.
- Excluded: bonuses/AWS (Additional Wage has its own ceiling logic), self-employment, OA→SA transfers, investments, housing withdrawals. Raises compound yearly; everything else holds constant. Top-up monies are set aside for retirement and paid out from 65, like real RSTU. This is a planning sketch, not a prophecy — real balances differ.
Rules verified 27 Oct 2026 · see sources & changelog
Frequently asked questions
How much of my salary goes into CPF each month?
If you're 55 or below, 37% of your wage in total — 20% deducted from your pay and 17% paid by your employer on top — up to the S$8,000/month Ordinary Wage ceiling. So a S$4,000 salary means S$800 from you, S$680 from your employer, S$1,480 into CPF every month.
How is my CPF split between OA, SA and MA?
By the CPF Board's age-banded allocation table. At 35 and below: 62.17% of the total contribution to OA, 16.21% to SA, 21.62% to MA. The split tilts from housing (OA) toward healthcare (MA) and retirement (SA/RA) as you age — your OA share drops every band even though the total contribution stays 37%.
What interest does CPF pay in 2026?
OA earns 2.5% p.a. and SA/MA earn 4% p.a. — both at their legislated floors, with the 4% SMRA floor guaranteed through 31 December 2027. On top of that, members under 55 earn an extra 1% on the first S$60,000 of combined balances, which makes effective yields 3.5% (first OA dollars) and 5% (SA/MA) early in your career.
What happens to my CPF when my MediSave is full?
Once your MA reaches the Basic Healthcare Sum (S$79,000 in 2026, indexed upward most years), further MA contributions are redirected to your SA if you're under 55 — where they earn 4% instead of sitting capped. Interest still accrues on the full MA balance even at the ceiling.