Calculate 2026 Singapore CPF contributions for Citizen and PR, S$8,000 Ordinary Wage ceiling, Additional Wage bonus cap, and OA/SA/MediSave distribution.
Official CPFB 2026 wage ceilings and progressive age tiers
Housing, investment & tertiary education
Retirement savings & compound growth
Hospitalisation & MediShield Life
OW_{CPF} = \min(OW, \$8,000) \\
AW_{Cap} = \max(0, \$102,000 - 12 \times OW_{CPF}) \\
Total\ CPF = (OW_{CPF} \times Rate_{Total}) + (\min(AW, AW_{Cap}) \times Rate_{Total}) \\
Net\ Pay = Gross\ Wage - Employee\ CPFUnder the latest 2026 CPFB guidelines, the monthly Ordinary Wage (OW) ceiling is S$8,000, and the total annual wage ceiling is S$102,000. For citizens aged ≤55, the employee contributes 20% and employer contributes 17% (Total 37%), which is systematically allocated across OA (23%), SA (6%), and MA (8%).
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual CPF interest rates, ABSD criteria, COE prices, and bank mortgage rates may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a MAS-licensed financial adviser or IRAS/CPF officer prior to executing financial commitments.
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