The main CPF figures for 2026, from the CPF Board pages listed below. Last read on 2 October 2026.
Contribution rates (Citizens and PRs from the 3rd year)
| Age |
Total |
Employee |
Employer |
| 55 and below |
37% |
20% |
17% |
| Above 55 to 60 |
34% |
18% |
16% |
| Above 60 to 65 |
25% |
12.5% |
12.5% |
| Above 65 to 70 |
16.5% |
7.5% |
9% |
| Above 70 |
12.5% |
5% |
7.5% |
Ceilings
| Item |
2026 |
| Monthly Ordinary Wage ceiling |
S$8,000 |
| Yearly pay ceiling |
S$102,000 |
Allocation of contributions (share of the total)
| Age |
Ordinary |
Special or Retirement |
MediSave |
| 35 and below |
62.17% |
16.21% |
21.62% |
| Above 35 to 45 |
56.77% |
18.91% |
24.32% |
| Above 45 to 50 |
51.36% |
21.62% |
27.02% |
| Above 50 to 55 |
40.55% |
31.08% |
28.37% |
| Above 55 to 60 |
35.3% |
33.82% |
30.88% |
| Above 60 to 65 |
14% |
44% |
42% |
| Above 65 to 70 |
6.07% |
30.3% |
63.63% |
| Above 70 |
8% |
8% |
84% |
Interest rates
| Account |
Rate a year |
| Ordinary |
2.5% |
| Special, MediSave, Retirement |
4% |
Extra interest: 1% on the first S$60,000 below 55 (up to S$20,000 from the Ordinary Account); 2% on the first S$30,000 and 1% on the next S$30,000 from 55 (up to S$20,000 from the Ordinary Account).
Retirement sums (turning 55 in 2026)
| Item |
Amount |
| Basic Retirement Sum |
S$110,200 |
| Full Retirement Sum |
S$220,400 |
| Enhanced Retirement Sum |
S$440,800 |
| Basic Healthcare Sum (below 65) |
S$79,000 |
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Sources
This article is for education and is not financial, tax or legal advice. Figures are checked against the sources above and may change. Read the full disclaimer.
