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Tool 02 — Free

CPF Contribution Calculator

See exactly how much goes into CPF each month — your share, your employer's share, and the total. Based on official CPF Board rates effective 1 January 2026.

🗓 Figures current as of August 2026 — rates change most years, check before relying on this for a major decision
CPF Ledger RATE TABLE: 2026
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Enter your wage and age to see your CPF breakdown.
Rates shown are for Singapore Citizens and SPRs (3rd year onward) earning above $750/month, capped at the $8,000 Ordinary Wage ceiling. First/second-year SPRs and wages $50–$750 follow graduated rates not shown here — check cpf.gov.sg for your exact case.
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CPF Retirement Projector

Enter your CPF account balances once and get a projected CPF LIFE payout at 65 — built on CPF Board's actual published 2026 payout figures, not a guess, done in one click instead of hunting through multiple calculators.

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Unlock to enter your real balances and get your projected monthly CPF LIFE payout, with a breakdown of how much comes from today's savings vs. future contributions.

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One-time report, or subscribe for updates as your CPF grows
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🇸🇬SGDecision

Top Up CPF, or Invest?

Put a sum toward your CPF Retirement Account and compare it against investing the same amount — both projected to the same year, so you can see which actually gives you more.

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Unlock to compare a CPF top-up against investing the same amount — both projected to your retirement year, side by side.

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One-time report, SGD 4.90–7.90
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🇸🇬SGDecision

Retire at 60, or 65?

CPF LIFE payouts don't start until 65 at the earliest. Stopping work at 60 means bridging 5 years of expenses yourself — and missing out on 5 more years of CPF growth. See both effects together.

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Unlock to see your bridging fund requirement and the CPF LIFE payout difference between stopping work at 60 vs. 65.

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One-time report, SGD 4.90–7.90
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