Singapore CPF Allocation by Age Band Calculator

Split one month of Singapore CPF contributions across the Ordinary, Special and MediSave Accounts using the 2024 allocation ratios for each age band, with ordinary wages capped at S$6,800.

CPF allocation by age bandRule year 2024. Splits one month of CPF contributions into the Ordinary, Special and MediSave Accounts using the CPF Board's published allocation ratios.
Age (years)
Monthly wage (S$)
S$1,850.00total monthly contribution
Age 30 falls in the 35 and below band, where the combined contribution rate is 37.00% of ordinary wages.
Ordinary AccountS$1,150.15
Special AccountS$299.89
MediSave AccountS$399.97
AccountShareMonthly amount
Ordinary Account62.17%S$1,150.15
Special Account16.21%S$299.89
MediSave Account21.62%S$399.97
Total contributionS$1,850.00
Assumptions: Rule year 2024. Allocation ratios and combined contribution rates are the CPF Board's published figures for private-sector and non-pensionable employees from 1 January 2024: 37% for age 55 and below, 31% above 55 to 60, 22% above 60 to 65, 16.5% above 65 to 70 and 12.5% above 70. Ordinary wages are capped at the 2024 ceiling of S$6,800 per month. Additional wages, the S$50 minimum-wage threshold and the graduated rates for first- and second-year permanent residents are not modelled. Source: CPF Board, "CPF contribution and allocation rates from 1 January 2024". Illustrative, not financial advice.
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How It Works

Split one month of Singapore CPF contributions across the Ordinary, Special and MediSave Accounts using the 2024 allocation ratios for each age band, with ordinary wages capped at S$6,800

Each component has a specific meaning:

  • Ordinary — The ordinary recorded for the scenario being assessed.
  • Special — The special recorded for the scenario being assessed.
  • MediSave Accounts — The medisave accounts recorded for the scenario being assessed.

Note: Interpret the cpf allocation result against the thresholds and context described above.

How to Use

Enter the Ordinary, Special, MediSave Accounts for the scenario you are assessing. Split one month of Singapore CPF contributions across the Ordinary, Special and MediSave Accounts using the 2024 allocation ratios for each age band, with ordinary wages capped at S$6,800. Use the cpf allocation result to inform your calculation.

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