CPF Rates Reference
Official contribution rates, allocation ratios, interest rates, and key thresholds — 2026
Paying the contributions rather than receiving them? The employer CPF contribution rates page has the employer share alone for 2026 and 2027 side by side, with the maximum cost per employee and the annual cap.
Contribution Rates by Age
Effective 1 January 2026 (Singapore Citizens & PRs after 3rd year) | Last verified: 20 August 2026 — Source: CPF BoardThese are the headline rates. For what they mean in dollars, read the 2026 contribution rates guide; rates rise again for workers aged 55 to 65 in the 2027 rates, and every one of those increases lands in the Retirement Account. What changes at each milestone age is set out in CPF changes at 55, 60 and 65.
| Age Group | Employee | Employer | Total |
|---|---|---|---|
| 55 & below | 20% | 17% | 37% |
| Above 55 to 60 | 18% | 16% | 34% |
| Above 60 to 65 | 12.5% | 12.5% | 25% |
| Above 65 to 70 | 7.5% | 9% | 16.5% |
| Above 70 | 5% | 7.5% | 12.5% |
Annual Wage Ceiling: Total CPF-liable wages (ordinary + additional) are capped at $102,000/year.
The two tables below are the graduated rates for PR years 1 and 2. For those alongside the F/G tables and the 3rd-year rates, one row per PR year and age band, see the CPF contribution rates for PRs reference.
Permanent Resident Graduated Rates
Applies to 1st and 2nd year PRs (age ≤55)Both PR schemes, the year-by-year tables and the take-home drop in year 3 are explained in the PR graduated rates guide, with the 2027 figures in PR rates for 2027.
| Type | Employee | Employer |
|---|---|---|
| Full employer / graduated employee (F/G) | 5% | 17% |
| Graduated (default, G/G) | 5% | 4% |
| Type | Employee | Employer |
|---|---|---|
| Full employer / graduated employee (F/G) | 15% | 17% |
| Graduated (default, G/G) | 15% | 9% |
CPF Account Allocation Rates
Effective 1 January 2026 | As a percentage of monthly wage — each row sums to that age band’s total contribution rate| Age Group | Ordinary (OA) | Special (SA) | MediSave (MA) | Retirement (RA) | Total |
|---|---|---|---|---|---|
| 35 & below | 23% | 6% | 8% | — | 37% |
| Above 35 to 45 | 21% | 7% | 9% | — | 37% |
| Above 45 to 50 | 19% | 8% | 10% | — | 37% |
| Above 50 to 55 | 15% | 11.5% | 10.5% | — | 37% |
| Above 55 to 60 | 12% | — | 10.5% | 11.5% | 34% |
| Above 60 to 65 | 3.5% | — | 10.5% | 11% | 25% |
| Above 65 to 70 | 1% | — | 10.5% | 5% | 16.5% |
| Above 70 | 1% | — | 10.5% | 1% | 12.5% |
How CPF Board Publishes Allocation: Ratio of Contribution
The source form of the table above — effective 1 January 2026| Age Group | Ordinary Account | Special / Retirement | MediSave Account |
|---|---|---|---|
| 35 & below | 0.6217 | 0.1621 (SA) | 0.2162 |
| Above 35 to 45 | 0.5677 | 0.1891 (SA) | 0.2432 |
| Above 45 to 50 | 0.5136 | 0.2162 (SA) | 0.2702 |
| Above 50 to 55 | 0.4055 | 0.3108 (SA) | 0.2837 |
| Above 55 to 60 | 0.353 | 0.3382 (RA) | 0.3088 |
| Above 60 to 65 | 0.14 | 0.44 (RA) | 0.42 |
| Above 65 to 70 | 0.0607 | 0.303 (RA) | 0.6363 |
| Above 70 | 0.08 | 0.08 (RA) | 0.84 |
Source: CPF Board, CPF Allocation Rates from 1 January 2026 and CPF Contribution Rate Table from 1 January 2026 (Private Sector / Non-Pensionable Employees), cpf.gov.sg ↗
CPF Interest Rates
Per annum, credited annually(from OA)
(SA + MA)
(combined)
+1% on next $30K
Key Retirement Thresholds (2026)
Applicable at age 55 when Retirement Account is createdThe three retirement sums below apply to members turning 55 in 2026. For the figure that applies to any other cohort, and what each level pays monthly, see the CPF retirement sum reference.
The rates below are published in five age bands. To go straight from a single age to its rate and its allocation, see the CPF contribution rate by age reference, which lists every age from 50 to 71 as its own row.