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| Age Group |
Employee Rate |
Employer Rate |
Total Rate |
Notes |
| 55 & below |
20% |
17% |
37% |
Prime saving years |
| Above 55 to 60 |
15% |
15% |
30% |
— |
| Above 60 to 65 |
8.5% |
12.5% |
21% |
— |
| Above 65 to 70 |
6% |
10% |
16% |
— |
| Above 70 |
6% |
8.5% |
14.5% |
— |
Ordinary Wage (OW) Ceiling: CPF contributions on ordinary wages are capped at $6,800/month (from 1 Sep 2023). Wages above $6,800 are not subject to CPF on the ordinary wage component.
Annual Wage Ceiling: Total CPF-liable wages (ordinary + additional) are capped at $102,000/year.
| Type | Employee | Employer |
|---|
| Full employer / graduated employee | 5% | 4% |
| Graduated (default) | 5% | 4% |
| Type | Employee | Employer |
|---|
| Full employer / graduated employee | 15% | 8% |
| Graduated (default) | 15% | 8% |
| 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% |
3.5% |
10.5% |
2% |
28% |
| Above 60 to 65 |
3.5% |
— |
10.5% |
5% |
19% |
| Above 65 to 70 |
1% |
— |
10.5% |
2.5% |
14% |
| Above 70 |
1% |
— |
9.5% |
2% |
12.5% |
Ordinary Account
2.5%
+1% extra on first $20K
(from OA)
Special Account
4.0%
+1% extra on first $40K
(SA + MA)
MediSave Account
4.0%
+1% extra on first $60K
(combined)
Retirement Account
4.0%
+2% extra on first $30K
+1% on next $30K
Extra Interest Bonus: Members below 55 earn an extra 1% p.a. on the first $60,000 of combined CPF balances (capped at $20,000 from OA). Members 55 and above earn an extra 2% p.a. on the first $30,000 and an extra 1% on the next $30,000 in their Retirement Account.
OW Ceiling
$6,800
per month (ordinary wages)
Annual Ceiling
$102,000
ordinary + additional wages
Basic Retirement Sum (BRS)
$106,500
~$860/month CPF LIFE payout
Full Retirement Sum (FRS)
$213,000
~$1,650/month CPF LIFE payout
Enhanced Ret. Sum (ERS)
$426,000
~$3,300/month CPF LIFE payout
MediSave Basic Healthcare
$75,500
MediSave contribution cap
CPF LIFE Start Age
65
default payout start age
Withdrawal Age
55
can withdraw above FRS
Retirement Age
63
statutory retirement age
All rates and thresholds are based on CPF Board official guidelines for 2026.
For Permanent Residents (1st/2nd year), graduated rates apply.
Always verify with the official source:
cpf.gov.sg ↗
· This page is for reference only and does not constitute financial advice.
⚠️ Rates Verification: These rates were last verified in May 2026. CPF contribution rates may change annually. Always verify current rates at
cpf.gov.sg before making financial decisions.