How your monthly CPF splits by account.
Total monthly CPF
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Ordinary (OA)
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Special (SA/RA)
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MediSave (MA)
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Your CPF is one contribution split three ways
Every month your CPF contribution, 20 percent from you and 17 percent from your employer below age 55, lands as a single sum and is then divided across three accounts. The Ordinary Account funds housing, education, and approved investments. The Special Account is locked away for retirement and earns a higher floor rate. MediSave covers hospital bills, approved insurance, and certain treatments. The split is not fixed for life. The CPF Board shifts the proportions with age, steering more toward MediSave as you grow older and your healthcare needs rise. This tool takes your wage and age and shows exactly how the monthly contribution lands in each account.
A 30-year-old earning $6,000 a month
Take an employee aged 30 on a $6,000 monthly salary, comfortably under the $8,000 Ordinary Wage ceiling that applies from January 2026. The combined CPF rate is 37 percent, so $2,220 flows in each month. For ages up to 35, the allocation sends the lion's share to the Ordinary Account, which is why younger members build housing firepower fastest.
| Account | Share of contribution | Monthly amount |
|---|---|---|
| Ordinary (OA) | 62.17 percent | $1,380 |
| Special (SA) | 16.21 percent | $360 |
| MediSave (MA) | 21.62 percent | $480 |
| Total monthly CPF | 100 percent | $2,220 |
Almost two-thirds goes to the OA at this age. The bars below show the same split visually, which makes it obvious why a younger worker accumulates a usable housing pot quickly while the SA, the highest-earning account, grows more slowly.
How the split moves with age, and the SA closure at 55
The rates shown here are for members aged 55 and below, and they tilt steadily toward MediSave through your 40s and 50s. The bigger structural change comes at 55. From 2025 the Special Account is closed for members aged 55 and over, and the savings in it move to the Retirement Account, which is set up to fund your CPF LIFE payouts. After that point, CPF contributions for those still working are allocated between the OA, the RA up to the Full Retirement Sum, and MediSave, on a different schedule. A practical point worth flagging: this tool computes the allocation on the wage after applying the $8,000 monthly Ordinary Wage ceiling, so if you earn more than that, the dollars above the ceiling attract no CPF at all and never enter any account. A common mistake is to assume CPF keeps scaling with a high salary. It does not, which is why high earners should plan retirement savings beyond CPF, for instance through SRS or topping up the SA or RA while they still can.
Why does so little go to my Special Account?
By design, the system front-loads the Ordinary Account in your younger years so you can fund a home. The Special Account share grows as you age, and you can accelerate it yourself with a Retirement Sum Topping-Up cash top-up, which also earns the 4 percent floor and may qualify for tax relief. If maximising the higher-earning account matters to you, topping up is the lever.
Can I move money between my CPF accounts?
Only in limited ways. You can transfer from the OA to the SA to earn the higher interest, but the transfer is irreversible and the money is then locked for retirement. You cannot move SA or MediSave savings back into the OA for housing. Because the decision cannot be undone, weigh the loss of housing flexibility against the extra interest before transferring.