CPF Calculator After 55
See how CPF contribution rates and account allocation change after age 55.
What This Result Means
After age 55, CPF rates depend on the bands above 55-60, above 60-65, above 65-70 and above 70. New contributions are allocated to OA, RA and MA rather than OA, SA and MA.
Assumptions and Limitations
- •Uses CPF rules effective 1 January 2026.
- •55+ uses OA, RA, MA allocation (no SA).
- •RA allocation up to the applicable FRS.
- •2027 preview shown for ages 56-65 only.
How We Calculate This
Rates step down across older age bands. The Special Account is closed after 55; new allocations go to RA (up to FRS) and MA. We run the contribution engine for 2026, and for ages 56-65 also run 2027 to show the upcoming increase.
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.
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Reviewed by the CPF Calculator SG editorial team
Last reviewed: 16 August 2026
Rules effective: 1 January 2026