💰 CPF Calculator 2025 Singapore 🏦
Calculate your CPF contributions, projections, and retirement savings with official 2025 rates
📊 CPF Contribution Calculator
Your CPF Contribution Results
Total Annual CPF Contributions:
S$0.00
Your Contribution:
S$0.00
Employer Contribution:
S$0.00
Ordinary Account (OA):
S$0.00
Special Account (SA):
S$0.00
Medisave Account (MA):
S$0.00
📈 CPF Projection Calculator
Your CPF Projection Results
Projected OA Balance:
S$0.00 OA
Projected SA Balance:
S$0.00 SA
Projected MA Balance:
S$0.00 MA
Total Projected Balance:
S$0.00
Estimated Monthly Retirement Payout:
S$0.00
📚 CPF Information & Guides
CPF Contribution Rates 2025
Singapore’s CPF contribution rates are adjusted periodically. For 2025, the rates are expected to remain stable with possible small adjustments for older workers.
| Age Group | Employee Rate | Employer Rate | Total Rate |
|---|---|---|---|
| Below 55 | 20% | 17% | 37% |
| 55 to 60 | 16% | 15% | 31% |
| 60 to 65 | 11.5% | 11.5% | 23% |
| Above 65 | 8.5% | 9% | 17.5% |
CPF Interest Rates 2025
CPF accounts earn risk-free interest rates that are reviewed quarterly. The following are the current rates:
Ordinary Account (OA):
2.5% – 3.5%
Special/Medisave Accounts:
4.0% – 5.0%
Retirement Account:
4.0% – 6.0%
Additional 1% interest on the first $60,000 of combined balances (up to $20,000 from OA).
CPF Allocation Rates
Your CPF contributions are allocated differently to the three accounts based on your age:
| Age Group | OA | SA | MA |
|---|---|---|---|
| Below 35 | 62.2% | 16.9% | 20.9% |
| 35 to 45 | 56.8% | 20.3% | 22.9% |
| 45 to 50 | 51.4% | 23.6% | 25.0% |
| 50 to 55 | 37.8% | 29.7% | 32.5% |
| 55 to 60 | 26.7% | 20.0% | 53.3% |
| Above 60 | 12.5% | 7.1% | 80.4% |
CPF Retirement Planning Tips
- Top up your Special Account for higher interest rates
- Consider the CPF LIFE annuity scheme for retirement
- Use OA for housing wisely while maintaining retirement savings
- Monitor your Basic Healthcare Sum and Full Retirement Sum
- Plan voluntary contributions if self-employed
- Review your CPF nominations regularly