Skip to content
SimplyCPF
Rates

Every rate that decides your numbers

Two floor rates, one peg, one bonus tier, and a contribution table that changes with your age. This page is the source of every figure elsewhere in SimplyCPF.

Ordinary Account
2.50%
A legislated floor rate, applied per year on the balance.
SA · MA · RA
4.00%
Floor rate. Otherwise pegged to the 10-year SGS yield plus 1%.
Extra, under 55
+1%
On the first $60,000 combined, of which at most $20,000 from OA.
Extra, 55 and over
+2%
On the first $30,000, then +1% on the next $30,000.

Contribution rates by age

Citizens and PRs from the 3rd year · wages above $750

Age bandYouEmployerTotal 2026Total 2027
35 and below20.0%17.0%37.0%no change
Above 35 to 4520.0%17.0%37.0%no change
Above 45 to 5020.0%17.0%37.0%no change
Above 50 to 5520.0%17.0%37.0%no change
Above 55 to 6018.0%16.0%34.0%35.5%
Above 60 to 6512.5%12.5%25.0%26.0%
Above 65 to 707.5%9.0%16.5%no change
Above 705.0%7.5%12.5%no change

Rates for ages above 55 to 65 rose on 1 January 2026 and are legislated to rise again in 2027, moving senior rates towards the under-55 rate.

Declared quarterly rates

Per year

QuarterOASMRA
2024 Q22.50%4.05%
2024 Q32.50%4.08%
2024 Q42.50%4.14%
2025 Q12.50%4.00%
2025 Q22.50%4.00%
2025 Q32.50%4.00%

SMRA rates have sat at the 4.00% floor since 2025 Q1. Rates are declared each quarter.

Where each dollar is allocated, by age

OA dark · SA mid · MediSave pale

  • 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

For members aged 55 and above the middle share goes to the Retirement Account, since the Special Account no longer receives contributions.

CPF Contribution Rates Comparison by Age Group

Age GroupEmployeeEmployerTotal
35 and below20.0%17.0%37.0%
Above 35 to 4520.0%17.0%37.0%
Above 45 to 5020.0%17.0%37.0%
Above 50 to 5520.0%17.0%37.0%
Above 55 to 6018.0%16.0%34.0%
Above 60 to 6512.5%12.5%25.0%
Above 65 to 707.5%9.0%16.5%
Above 705.0%7.5%12.5%

CPF Distribution Rates Comparison by Age Group

Age GroupOA (Ordinary)SA (Special)MA (MediSave)
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%

CPF Extra Interest: How the 1% Bonus Works

CPF members earn extra interest on top of base rates to boost retirement savings. This bonus interest applies to the first portion of your combined CPF balances.

Under Age 55
+1%
On the first S$60,000 of combined OA + SA + MA balancesMax extra interest: $600 per year
Age 55 and Above
+1%
+1%
Base tier: +1% on first S$60,000 of combined balances
Senior tier: Additional +1% on first S$30,000 of combined balancesMax extra interest: $900 per year

How it works: The extra interest is paid into your Special Account (or Retirement Account if you're 55+). This means your SA/RA grows faster, directly increasing your CPF LIFE payouts in retirement.

Example: A 30-year-old with S$50,000 across OA + SA + MA earns an extra $500 per year ($42 per month) on top of base rates.