Plain-English explanations of CPF — contribution rates, retirement milestones, PR rules, and more. Verified against 2026 CPF Board rates.
What the company pays per employee, both published years side by side: the rate for every age band, the maximum cost per employee, the wage ceilings and the annual cap, part-timers and PR employees.
All five of CPF Board’s PR rate tables in one: every PR year and age band, under both the G/G and F/G schemes, with the allocation and the take-home effect.
The five CPF age bands, and a row for every single age from 50 to 71: what you pay, what your employer pays, and where each dollar is allocated.
Every retirement sum in one table: what each level is, what it pays monthly, and the figure for every cohort from 2017 onwards.
The Minimum Sum was renamed the Retirement Sum in 2016. What the equivalent is for 2026, and the full series from 1995 to 2027.
Rates rise on 1 January 2027 for ages 55 to 65. Full table, 2026 comparison, allocations, wage ceiling caps and worked examples.
Graduated G/G rates are unchanged in 2027. F/G rates are not — employer totals rise for ages 55 to 65. Both schemes, year 1 and year 2.
Three years of senior worker increases, tracked account by account. OA and MediSave never moved; the Retirement Account absorbed all of it.
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 $440,800 — 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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