Simplified CPF Contribution Guide


This contribution guide simplifies the contribution rates into a one-page easy to use table to help you immediately find out how much of your salary goes into the CPF Ordinary, Special and Medisave accounts across all age groups.

Being able to calculate your CPF contribution is an important first step in managing your personal finances. Your CPF have a wide range of uses such as paying for home loans, providing for retirement and buying insurance for yourself and dependants.

Knowing how much you and your employer is contributing into your CPF accounts will help you to plan and budget the use of your CPF funds wisely.

All you need to do is take your monthly income and multiply the percentage indicated in the table.

Being able to calculate your CPF contribution in total can help you to budget for:

1. How much monthly repayment you can afford using your CPF Ordinary Account for your mortgage loans

2. How much budget is available to purchase CPF-Integrated Insurance for yourself and dependants

3. How much are you contributing towards retirement in your Special Account

Also included in the guide is a summary of the updated CPF Schemes that will affect your personal financial planning such as:

i. Basic Healthcare Sum
ii. Basic Retirement Sum
iii. CPF Ordinary Wage Ceiling
iv. Interest Rates for CPF Accounts
v. How additional CPF Interest Rates are credited

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