Singapore CPF (Central Provident Fund) 2026: Complete Online Guide

The Central Provident Fund (CPF) is Singapore’s mandatory social security savings scheme funded by contributions from both employers and employees. It forms the foundation of retirement, healthcare, and housing planning for Singapore Citizens and Permanent Residents (PRs).

In 2026, the Singapore Ministry of Manpower (MOM) and CPF Board implemented key adjustments to contribution rates and wage ceilings to keep pace with wage growth and strengthen retirement adequacy.

Key CPF Policy Updates for 2026

Ordinary Wage (OW) Ceiling Increase: The monthly Ordinary Wage ceiling for CPF contributions has risen to S$8,000 per month.
Higher Rates for Senior Workers: Increased contribution rates for workers aged 55 to 65 take effect to enhance retirement savings.
Annual Salary Ceiling: The CPF annual salary ceiling remains capped at S$102,000 (covering both Ordinary Wages and Additional Wages).

CPF Contribution Rates 2026 (For Wages > S$750/month)

Employee Age Bracket	Employer Contribution (% of Wage)	Employee Contribution (% of Wage)	Total Contribution (% of Wage)
55 and below	17%	20%	37%
Above 55 to 60	16%	18%	34%
Above 60 to 65	12.5%	12.5%	25%
Above 65 to 70	9%	7.5%	16.5%
Above 70	7.5%	5%	12.5%

(Note: Graduated contribution rates apply to 1st and 2nd-year Singapore Permanent Residents.)

Breakdown of CPF Accounts

Ordinary Account (OA): Used for housing, insurance, approved investments, and education (Earns a guaranteed floor interest rate of 2.5% p.a.).
Special Account (SA): Designated for old-age retirement savings and retirement-related financial products (Earns up to 4.0% p.a.).
MediSave Account (MA): Reserved for hospitalisation expenses, approved medical care, and medical insurance premiums (Earns up to 4.0% p.a.).
Retirement Account (RA): Created upon turning age 55 to provide monthly payouts under CPF LIFE during retirement.

Step-by-Step Guide to Accessing CPF Services Online

Step	Action Required
Step 1	Go to the official portal at www.cpf.gov.sg.
Step 2	Click ‘Log in’ and authenticate using your Singpass app or credentials.
Step 3	Navigate to the ‘my cpf Online Services’ section on your dashboard.
Step 4	Check your current account balances, monthly contribution history, and MediSave limits.
Step 5	Submit digital requests for housing withdrawals, voluntary top-ups, or CPF nomination updates.

Important Rules & Guidelines

Foreign Pass Holders Exemption: Foreign workers holding Work Permits, S Passes, or Employment Passes (EP) do not participate in or receive CPF contributions.
CPF Nomination: Ensuring your CPF savings are distributed according to your wishes requires completing an online CPF nomination using Singpass with two witnesses.
Extra Interest: The government provides up to an extra 1% to 2% interest on the first S$60,000 of combined CPF balances depending on your age group.

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