CPF Allocation Calculator
See how CPF contributions are split into OA, SA, RA and MediSave by age band.
What This Result Means
CPF is not divided equally. The allocation ratios change with age, and contributions for members aged 55 and above use the Retirement Account instead of the Special Account.
Assumptions and Limitations
- •Allocation rates are based on the official CPF Board published ratios for the selected policy year.
- •The RA allocation shown assumes the RA has room below the applicable FRS unless you selected otherwise.
- •Members aged 55 and above: the Special Account is closed and retirement allocations go to the Retirement Account.
- •Allocation rates may differ for the first and second year of SPR status.
How We Calculate This
We look up the official allocation table for the selected policy year and age band. The total CPF contribution (employer + employee) is then multiplied by each account's allocation ratio. For members aged 55 and above, the retirement allocation goes to the RA instead of SA. See our full methodology page for details.
Learn more about our methodology →CPF Calculator SG is an independent planning tool and is not affiliated with or endorsed by the Central Provident Fund Board, IRAS or the Singapore Government. Results are estimates based on the inputs and policy data shown. For payroll, tax filing or retirement decisions, verify the result with the relevant official service.
Frequently Asked Questions
Other Calculators
Reviewed by the CPF Calculator SG editorial team
Last reviewed: 16 August 2026
Rules effective: 1 January 2026