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Every reference number for 2026 on a single printable sheet. No inputs, no personalisation, just the figures you keep having to look up.
CPF reference sheet · 2026
Effective 1 January 2026
Ceilings
Monthly ordinary wage$8,000
Annual salary ceiling$102,000
Additional wage ceiling$102,000 - OW
Interest
OA floor2.50%
SA · MA · RA floor4.00%
Extra, first $60,000+1.00%
Extra at 55+, first $30,000+2.00%
Key ages
RA opens, SA closes55
Statutory retirement age64
Re-employment age69
Payout eligibility age65
Latest payout start70
Contribution rates · you + employer
35 and below20.0% + 17.0%
Above 35 to 4520.0% + 17.0%
Above 45 to 5020.0% + 17.0%
Above 50 to 5520.0% + 17.0%
Above 55 to 6018.0% + 16.0%
Above 60 to 6512.5% + 12.5%
Above 65 to 707.5% + 9.0%
Above 705.0% + 7.5%
Allocation · OA / SA / MA
35 and below62.2 / 16.2 / 21.6
Above 35 to 4556.8 / 18.9 / 24.3
Above 45 to 5051.4 / 21.6 / 27.0
Above 50 to 5540.6 / 31.1 / 28.4
Above 55 to 6035.3 / 33.8 / 30.9
Above 60 to 6514.0 / 44.0 / 42.0
Above 65 to 706.1 / 30.3 / 63.6
Above 708.0 / 8.0 / 84.0
Retirement sums
| Turn 55 | BRS | FRS | ERS |
|---|---|---|---|
| 2024 | S$102,900 | S$205,800 | S$308,700 |
| 2025 | S$106,500 | S$213,000 | S$426,000 |
| 2026 | S$110,200 | S$220,400 | S$440,800 |
Basic Healthcare Sum
2022S$66,000
2023S$68,500
2024S$71,500
2025S$75,500
2026S$79,000
PR rates · 35 and below
1st year of PR5.0% + 4.0%
2nd year of PR15.0% + 9.0%
3rd year onwards20.0% + 17.0%