CPF Allocation (OA, SA, MA) Results at a Glance: Quick Reference Table
Sometimes you only need a ballpark figure. This page lists cpf allocation (oa, sa, ma) results for a range of common inputs, so you can see the pattern at a glance.
| Inputs | Ordinary Account | Special Account | MediSave Account | Total |
|---|---|---|---|---|
| Monthly salary: 5,000, Age group: 35 and below | S$1,150.00 | S$300.00 | S$400.00 | S$1,850.00 |
| Monthly salary: 2,500, Age group: 35 and below | S$575.00 | S$150.00 | S$200.00 | S$925.00 |
| Monthly salary: 3,750, Age group: 35 and below | S$862.50 | S$225.00 | S$300.00 | S$1,387.50 |
| Monthly salary: 6,250, Age group: 35 and below | S$1,437.50 | S$375.00 | S$500.00 | S$2,312.50 |
| Monthly salary: 7,500, Age group: 35 and below | S$1,725.00 | S$450.00 | S$600.00 | S$2,775.00 |
| Monthly salary: 10,000, Age group: 35 and below | S$1,840.00 | S$480.00 | S$640.00 | S$2,960.00 |
How these were worked out
Each account receives a fixed percentage of wages: for 35 and below it is 23% OA, 6% SA and 8% MA, with more shifting to SA and MA as you get older.
In Singapore, payslip maths decides how much you can save, invest and spend, and CPF takes a sizeable share before the money reaches your bank account. Knowing the numbers in advance makes salary negotiations, job switches and budgeting far less of a guess.
CPF distinguishes between ordinary wages, which are paid for work in the month such as basic salary and fixed allowances, and additional wages, such as annual bonuses and leave encashment. Ordinary wages are capped at S$8,000 a month from January 2026, while additional wages are capped by an annual ceiling of S$102,000 minus the ordinary wages already subject to CPF in the year.
Payslips must be itemised, showing basic pay, allowances, overtime, deductions and CPF. Comparing a payslip against an independent calculation is the easiest way to catch mistakes, especially in the first month of a new job, after a pay rise, or when you cross an age band.
Contribution rates fall as workers get older, to keep older workers employable while their retirement savings continue to grow. The Government has been raising rates for workers above 55 in stages since 2022, with the latest change in January 2026 and another planned for 2027, so figures for senior workers change more often than for younger employees.
Tips
- Overtime eligibility depends on your salary and role under Part IV of the Employment Act, not just your job title.
- First- and second-year PRs contribute at graduated rates unless they opt in to full rates, so their figures will be lower.
- Employer CPF is not part of your take-home pay, but it is part of your total compensation, so count it when comparing offers.
Related calculations
- Pro-Rated Annual Leave Calculator: Calculates leave earned for part of a year.
- Salary Converter (Annual, Monthly, Hourly): Converts an annual package into monthly, weekly, daily and hourly figures.
- CPF OA Interest Calculator: Projects your CPF Ordinary Account balance with the 2.5% floor rate and regular contributions.
- CPF Special Account Interest Calculator: Projects Special Account growth at the 4% floor rate.
For your exact numbers, use the CPF Allocation Calculator (OA, SA, MA).
Run your own numbers: CPF Allocation Calculator (OA, SA, MA)