SimplyCPF is a free, open-source tool that helps Singapore Citizens and Permanent Residents see exactly where their CPF retirement money goes — based on income, age group, and the latest ceiling changes. The main calculators and planning tools work without sign-up.

CPF contribution rates vary across 8 age brackets, and contributions are distributed differently across your Ordinary Account (OA), Special Account (SA), and MediSave Account (MA) depending on your age. SimplyCPF handles all of this automatically so you get the numbers that matter — your take-home pay and retirement savings — without cross-referencing government tables.

All calculation logic is open-source and verifiable on GitHub. Rates are sourced directly from CPF Board publications and updated within days when changes are announced.

If you ask SimplyCPF to email you a CPF cheat sheet or readiness report, we only use your email address to send that requested resource. You can read the current disclosure on the privacy page.

This tool covers the progressive increases in CPF Income Ceiling from 2023 to 2026 following Budget 2023, so you can see exactly how much more of your income becomes retirement savings over time. Whether you are an employee estimating your take-home pay, an employer verifying contribution amounts, or a financial planner comparing CPF growth with other investments — SimplyCPF gives you the numbers in seconds.