---
title: "CPF Calculator 2026 Singapore | Free CPF Tool"
url: "https://cpfcalculator.sg/"
author: "CPF Calculator"
language: "en"
---

#  Master Your CPF, Achieve Financial Freedom

Our trusted guide to CPF optimisation, smart investing, and wealth planning tailored for Singaporeans — with instant answers from Rich, our AI CPF & finance expert, whenever you need clarity.

We're building the definitive financial knowledge hub to empower every Singapore resident with actionable insights on CPF management, investment strategies, and retirement planning. 

Ask Rich  Learn More 

### CPF Contribution Calculator

Accurate rates for 2026

Monthly Gross Wage

S$

Wage ceiling: S$8,000/month for CPF

Your Age

35 and below 36 to 45 46 to 50 51 to 55 56 to 60 61 to 65 66 to 70 Above 70

Residency Status

Singapore Citizen PR \(3rd year onwards\) PR \(2nd year\) PR \(1st year\)

Calculate CPF 

CPF capped at S$8,000 ordinary wage ceiling 

Your Take-Home Pay

S$ 0

Employer

S$ 0

17%

Employee

S$ 0

20%

Total CPF Contribution

S$ 0

37% of your wage goes to CPF

####  Account Allocation 

Ordinary \(OA\)

S$ 0

23%

Special \(SA\)

S$ 0

6%

Medisave \(MA\)

S$ 0

8%

Based on CPF rates effective 2026 for Singapore Citizens/PRs

[ CPF Changes from 1 Jan 2026 Compare rates & calculate your new CPF View Changes ](/cpf-2026-changes)

AI-Powered Financial Assistant 

## Meet Rich - Your Personal Finance Expert

Get instant answers to your Singapore finance questions. Rich is trained on CPF policies, HDB loans, investments, and more.

CPF  HDB Loans  Fixed Deposits  Robo Advisors  Stocks & ETFs  Savings Accounts  Emergency Fund 

24/7

Always available

SG Expert

Local context

Private

Ask anything

Free

No cost

Rich provides general financial information for educational purposes. For personalized advice, please consult a licensed financial advisor.

## Why Financial Calculator? 

Specialized knowledge designed for Singaporeans who want to take control of their financial future

### Singapore-Specific Insights

Deep dives into CPF policies, tax optimisation, and investment strategies tailored exclusively for Singapore residents.

### Clear & Actionable Guidance

Complex financial concepts broken down into simple, practical steps you can implement immediately.

### Timely & Trusted Updates

Stay ahead with policy changes, market insights, and expert strategies backed by research and integrity.

Free Financial Tools 

## Plan Your Finances with Confidence

Interactive calculators designed for Singapore's unique financial landscape

### FIRE Calculator

Plan early retirement

Key Features 

  * • Years to financial freedom
  * • Target savings number
  * • Includes CPF projections

Retirement FIRE Investing

What You'll Learn 

Calculate exactly when you can retire and how much you need. 

[ Plan Retirement  ](/calculators/fire)

### CPF Interest

Project your CPF growth

Key Features 

  * • Compound interest projection
  * • OA/SA/MA breakdown 
  * • Extra interest calculation

CPF Retirement Savings

What You'll Learn 

See how your CPF grows over 10-30 years with compound interest 

[ Calculate Growth  ](/calculators/cpf-interest)

### Tax Calculator

Estimate your income tax

Key Features 

  * • All tax brackets included
  * • Common reliefs calculated
  * • Effective rate shown 

Tax Income IRAS

What You'll Learn 

Plan your taxes and maximize available reliefs

[ Calculate Tax  ](/calculators/tax)

### FIRE Calculator

Plan early retirement

Key Features 

  * • Years to financial freedom
  * • Target savings number
  * • Includes CPF projections

Retirement FIRE Investing

[ Plan Retirement  ](/calculators/fire)

### CPF Interest

Project your CPF growth

Key Features 

  * • Compound interest projection
  * • OA/SA/MA breakdown
  * • Extra interest calculation

CPF Retirement Savings

[ Calculate Growth  ](/calculators/cpf-interest)

### Tax Calculator

Estimate your income tax

Key Features 

  * • All tax brackets included
  * • Common reliefs calculated
  * • Effective rate shown

Tax Income IRAS

[ Calculate Tax  ](/calculators/tax)

[ View All Calculators  ](/calculators)

Tax Filing Season 2026 

##  File Your Personal Income Tax Before The Deadline 

The IRAS e-filing deadline is approaching. Ensure your tax returns are filed accurately and on time to avoid penalties. 

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[ Go to Personal Tax 2026  ](https://cpfcalculator.sg/personal-tax-2026/index)