--- title: "CPF Calculator Singapore 2026 | Free CPF Contribution Tool" description: "Free CPF calculator for Singapore. Calculate your CPF contributions with accurate 2026 rates, view OA/SA/MA account allocations, and optimize your wealth planning." keywords: "CPF calculator, CPF contribution calculator, Singapore CPF rates 2026, CPF allocation calculator, take home pay calculator SG, CPF optimization, financial planning Singapore" 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 66to 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) New for 2026 ## Budget 2026 CPF Top-Up Eligibility Find out if you qualify for the upcoming CPF top-up of up to $1,500. Use our free self-assessment calculator to check your eligibility based on age, property value, and CPF savings. [ Check Eligibility Now ](/calculators/budget-2026-cpf-top-up) 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) ### Budget 2026 CPF Top-up Eligibility Key Features * • $1,500 Max Tier Check * • All criteria evaluated * • Instant assessment Budget 2026 Top-up What You'll Learn Find out if you qualify for the new Budget 2026 CPF Top-up. [ Check Eligibility ](/calculators/budget-2026-cpf-top-up) ### 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) ### Budget 2026 CPF Top-up Eligibility Key Features * • $1,500 Max Tier Check * • All criteria evaluated * • Instant assessment Budget 2026 Top-up [ Check Eligibility ](/calculators/budget-2026-cpf-top-up) [ View All Calculators ](/calculators) Tax Season 2026 ## Tax Filing is Complete. What's Next? Now that your returns are filed, here are the two smartest financial moves you can make right now. ### 1\. Prepare for Your NOA Look out for your Notice of Assessment \(NOA\) from IRAS starting in May. Verify the details carefully and consider setting up GIRO for interest-free monthly tax payments to manage your cash flow better. [ Review Tax Brackets ](/calculators/tax) ### 2\. Maximize 2027 Tax Reliefs Don't wait until December\! Make your CPF Special Account \(SA\) or Supplementary Retirement Scheme \(SRS\) top-ups early in the year to maximize compound interest and secure next year's tax reliefs. [ Calculate CPF Compound Interest ](/calculators/cpf-interest) Mid-Year Check-in ## Mid-Year Financial Review: Are You on Track? We are halfway through the year. It's the perfect time to review your savings rate, rebalance your investment portfolio, and check your progress toward Financial Independence, Retire Early \(FIRE\). [ Check My FIRE Progress ](/calculators/fire)