CPF Rates
CPF Contribution Rates 2026: Complete Guide by Age
Singapore lifted CPF contribution rates for workers aged 55–65 on 1 January 2026. Full rate table, OA/SA/MA allocations, and three worked examples.
Plain-English explanations of CPF — contribution rates, retirement milestones, PR rules, and more. Verified against 2026 CPF Board rates.
Singapore lifted CPF contribution rates for workers aged 55–65 on 1 January 2026. Full rate table, OA/SA/MA allocations, and three worked examples.
Your CPF rate drops at 55, 60 and 65 — and your Retirement Account is created at 55. Here's what changes at each milestone and the one move most people miss.
New PRs start at just 9% total CPF and graduate to full rates over three years. Complete rate table, worked dollar examples, and the joint election option.
Transferring OA to SA earns 1.5% more interest per year — but it is permanent and irreversible. Here is when the transfer makes sense, and when it does not.
Self-employed Singaporeans are not required to contribute to OA or SA — but MediSave is mandatory. Most freelancers only discover this at tax time.
BRS, FRS and ERS explained — with projected CPF LIFE payouts, worked examples, and a checklist to calculate your personal retirement number.
Use CPF OA for downpayment, monthly mortgage and stamp duties — but accrued interest accumulates and must be refunded when you sell. Full LTV limits and grant tables.
Non-citizens and PRs who renounce can withdraw all CPF balances. Full withdrawal process, documents required, and tax implications in your destination country.
OA earns 2.5%, SA earns 4%, MA earns 4% but has spending restrictions. Which account gets your next dollar of voluntary top-up? Decision framework inside.
Top up $8,000 to your CPF SA before December 31 and save $1,200–$2,800 in income tax. How bonuses work with CPF and the December 24 safe deadline.
What to do at each decade — compound interest wins when you start in your 20s, but there are smart moves to make even in your 50s. Decade-by-decade checklist.
Spouse top-ups, joint property strategy, accrued interest on marriage breakdown, CPF nominations, and the tax relief you are leaving on the table.
BRS $110,200, FRS $220,400, ERS $330,600 — what each means for your CPF LIFE payouts, and how to decide which sum to aim for.
CPF offers guaranteed 4% returns; SRS offers upfront tax savings but is taxable on withdrawal. Side-by-side comparison with worked examples.
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