CPF Contribution Calculator 2025

CPF (Central Provident Fund) is Singapore's mandatory savings scheme for retirement, healthcare, and housing. Both employees and employers contribute a percentage of your salary. The contributions are split into three accounts: Ordinary Account (OA) for housing and investments, Special Account (SA) for retirement, and Medisave Account (MA) for healthcare. Understanding your CPF contributions helps you plan your finances better.

Singapore's CPF scheme is designed to reflect different life stages. Younger workers contribute more to OA (for housing and investments), while as you age, contributions shift towards SA (for retirement income) and MA (for healthcare). This structure helps build housing equity early and secure retirement income for later years.

The OA ceiling is S$6,800 per month (as of 2025). This means CPF contributions are only calculated on the first S$6,800 of your salary. Any salary above this is not subject to CPF contributions, which can benefit higher earners.

Your take-home pay is your gross salary minus your employee CPF contribution. Employer CPF is a separate cost to your employer and does not reduce your take-home pay. This calculator shows both amounts so you understand the full picture.

Yes. Log in to your CPF account via the official CPF Board website (cpf.gov.sg) to view your contribution history, account balances, and accrued interest. This calculator is a quick estimation tool and should be verified against your official CPF statement.