CPF Allocation Calculator (OA, SA, MA)

Shows how each month's 37% CPF contribution is split between your Ordinary, Special and MediSave accounts by age group.

Result

Ordinary Account
S$1,150.00
Special Account
S$300.00
MediSave Account
S$400.00
Total
S$1,850.00

How to use the cpf allocation calculator (oa, sa, ma)

  1. Enter the monthly salary (S$).
  2. Enter the age group.
  3. The results update as you type, or press Calculate.
  4. Read the ordinary account first, then the supporting figures below it.

Formula

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.

Worked example

For example, with these inputs:

the calculator returns:

Good to know: For simplicity this uses exact percentage splits; the CPF Board rounds the allocation slightly differently, so cents may differ.

Background

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.

Total compensation in Singapore is more than the number on your offer letter. Employer CPF, variable bonuses, the Annual Wage Supplement (often called the 13th month) and benefits all add value, and comparing offers on take-home pay alone can hide meaningful differences.

Frequently asked questions

How does the cpf allocation calculator (oa, sa, ma) work?

It applies this formula: 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.

Are these figures exact?

They follow the published CPF and MOM formulas, but your employer's payroll may round slightly differently or include allowances in a different way. Your payslip is the final reference.

Guides for this calculator

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