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CPF Calculator Singapore 2025

Calculate CPF contributions, OA/SA/MA allocation and take-home pay for all age groups.

S$
Age group: 55 & below
Take-Home Pay
S$4,000
monthly
Employee CPF (20.0%)
S$1,000
Employer CPF (17.0%)
S$850
Monthly CPF Allocation (Total: S$1,850)
Ordinary Account (OA)
S$1,150
23.0% of OW
For housing, education
Special Account (SA)
S$300
6.0% of OW
For retirement at 4% p.a.
MediSave (MA)
S$400
8.0% of OW
For medical expenses
CPF Contribution Rates by Age (2025)
Age GroupEmployeeEmployerTotal
▶ 55 & below20.0%17.0%37.0%
55–6016.0%15.0%31.0%
60–6510.5%11.5%22.0%
65–707.0%9.0%16.0%
Above 705.0%7.5%12.5%
Annual Summary
Employee CPF / year
S$12,000
Employer CPF / year
S$10,200
Total CPF / year
S$22,200
⚠️ OW ceiling is S$7,400/month in 2025 (increasing to S$8,000 from Jan 2026). CPF interest: OA 2.5% p.a., SA/RA 4% p.a., MA 4% p.a. (with extra 1% on first S$60,000). PR 1st/2nd year rates are graduated. Source: CPF Board cpf.gov.sg.