About Singapore CPF Calculator — Free CPF Reference Tool

What Is This Tool?

The Singapore CPF Calculator is a free, browser-based tool that helps Singapore Citizens and Permanent Residents quickly estimate their monthly CPF contributions, take-home pay, and annual CPF savings.

It is designed for employees who want to understand how their salary translates into CPF allocations across the Ordinary Account (OA), Special Account (SA), MediSave Account (MA), and Retirement Account (RA), without having to dig through tables on the CPF Board website.

No account required. No data is collected or stored. Every calculation runs entirely in your browser.

What It Can Do

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Instant live calculation Results update in real time as you type your salary or adjust your age.

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Per-account breakdown See exactly how much flows into OA, SA, MA, and RA each month, with visual progress bars.

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Annual, 5-year, and 10-year projections Toggle between time horizons to plan ahead. Bonus / AWS is included in the annual ceiling check.

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Singapore Citizen and PR support Switch between SC, PR 1st Year, PR 2nd Year, and PR 3rd Year+ to see how graduated rates apply.

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Interest estimates Estimated yearly interest earned on each account at the official CPF interest rates.

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Definitions glossary All key CPF terms — OA, SA, MA, RA, OW ceiling, BRS, FRS, ERS, CPF LIFE — explained in plain English at the bottom of the calculator page.

Data Sources & Rates

All contribution rates, allocation ratios, interest rates, and retirement thresholds are based on information published by the CPF Board of Singapore. The calculator currently reflects 2026 rates, which took effect from 1 January 2025.

Key sources used:

Rates are reviewed and updated whenever the CPF Board announces changes. Always cross-check with cpf.gov.sg for the most current figures before making financial decisions.

Important Disclaimer

This calculator is provided for reference and educational purposes only. It does not constitute financial, tax, or legal advice.

Operator: This website is independently operated and is not affiliated with, endorsed by, or connected to the Central Provident Fund Board (CPF Board) or any Singapore government agency. All calculations are based on publicly available CPF rates and guidelines.

The results are estimates based on simplified rate tables. They may not reflect:

Exact PR graduated rates for employees above age 55 (simplified in this tool)
Self-employed contributions (Medisave only)
Voluntary CPF top-ups (cash top-ups to SA/MA)
Government co-contributions or schemes (Workfare, Silver Support, etc.)
Changes to rates announced after the last update of this tool

For exact CPF calculations, use the official CPF Board calculator or consult a qualified financial advisor.

Privacy

This tool runs entirely in your browser. No salary, age, or personal data is ever sent to a server or stored anywhere. We set no first-party cookies and run no analytics scripts. See our Privacy Policy and Terms of Service for full details.

Advertising Disclosure

This website is free to use and is supported by advertising revenue. We display advertisements through Google AdSense, a third-party advertising service. Ads are selected and served by Google based on factors including your browsing activity and location — we do not control which ads appear.

Advertising does not influence our calculator results, rate tables, or any content on this site. We do not accept direct sponsorships or paid placements from financial institutions, banks, or CPF-related services.