CPF Allocation Calculator (2026)
See how your CPF contributions split across OA, SA/RA, and MediSave by age group.
What is the CPF Allocation Calculator?
The CPF Allocation Calculator shows how your total monthly CPF contributions are split across your Ordinary Account (OA), Special Account (SA) or Retirement Account (RA), and MediSave Account (MA). Allocation ratios are set by the CPF Board and change with your age group.
See how your CPF splits across OA, SA/RA, and MediSave
Quick Reference
- • Age 35 and below: OA 62.17%, SA 16.21%, MA 21.62%
- • Age 55+: SA replaced by Retirement Account (RA)
- • Age 65-70: MA receives 84% of contributions
- • CPF interest: OA 2.5% p.a., SA/MA/RA 4.0% p.a.
How CPF Allocation Works
Every month, your total CPF contribution (employee + employer share) is automatically divided across your CPF accounts. The split isn't equal — it changes based on your age group to match different life-stage priorities.
Younger workers (35 and below) receive the largest share in their Ordinary Account (62.17%) to help with housing purchases and education loans. As you age, the OA share gradually decreases while more goes to MediSave for healthcare needs and the Special/Retirement Account for retirement.
From age 55, contributions go to the Retirement Account (RA) instead of the Special Account. By age 65 and above, the majority of contributions flow into MediSave (84%) to cover rising healthcare costs in later years.
Young Workers (35 and below)
OA: 62.17% | SA: 16.21% | MA: 21.62%
Highest OA share for housing
Mid-Career (35 to 55)
OA gradually decreases, SA and MA increase
Balanced growth across all accounts
Pre-Retirement (55+)
RA replaces SA, MA share increases significantly
Focus shifts to retirement and healthcare
Frequently Asked Questions
What determines my CPF allocation ratio?expand_more
Your CPF allocation ratio is determined entirely by your age group. CPF Board sets fixed percentages for how total contributions split across your Ordinary Account (OA), Special Account (SA) or Retirement Account (RA), and MediSave Account (MA). The ratios change at ages 35, 45, 50, 55, 60, 65, and 70.
Why does my OA allocation decrease as I get older?expand_more
As you age, CPF shifts more of your contributions towards retirement and healthcare savings. Younger workers receive a higher OA allocation (62.17% for those 35 and below) to help with housing purchases. From age 55 onwards, the OA share drops significantly while MA and RA allocations increase to prepare for retirement healthcare costs.
What happened to the Special Account (SA) in 2025?expand_more
From January 2025, the CPF Special Account (SA) is closed for members aged 55 and above. SA savings for these members are transferred to the Retirement Account (RA) up to the Full Retirement Sum (FRS), with any excess going to the Ordinary Account. Members below 55 still have an active SA.
What is the difference between SA and RA?expand_more
The Special Account (SA) is for members below 55 and earns 4% interest for retirement savings. The Retirement Account (RA) is created when you turn 55, combining savings from your SA and OA (up to the Full Retirement Sum). The RA also earns 4% interest and funds your CPF LIFE payouts from age 65.
Can I choose how my CPF contributions are allocated?expand_more
No, you cannot choose your CPF allocation ratio. The percentages are fixed by CPF Board based on your age group. However, you can voluntarily top up specific accounts — for example, making a cash top-up to your SA (if below 55) or RA to boost retirement savings.
Sources
- • CPF Board (cpf.gov.sg) — Allocation ratios by age group, account types, and interest rates
- • CPF Board — SA closure policy effective January 2025 for members aged 55 and above
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