Five questions about CPF, answered in plain English.
Where this month’s money went. What happens at 55. What a flat really costs your OA. What arrives every month at 65. No sign-up, no jargon, no advice, just the arithmetic, with every assumption shown.
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The four things people actually get wrong
Each one is a screen, not an article
“My Special Account is closing?”
1.4 million SAs closed in Jan 2025. See your own SA → RA → OA split, in dollars.
“Accrued interest? On my own money?”
OA used for a flat keeps accruing 2.5%, refundable when you sell.
“Which CPF LIFE plan is which?”
Three payout shapes from one balance. Compared, never ranked.
“Why did my January pay drop?”
The ceiling reached $8,000. Less in your bank, more from your employer.
Three ages, and they are not the same age
Raising one does not move the others. This is the most common mix-up of 2026.
SA closes. Savings above your Full Retirement Sum become withdrawable. Nothing forces you to stop working.
The earliest your employer may ask you to retire. Re-employment age rises to 69. This has no effect on CPF payouts.
CPF LIFE payouts can start. You may defer to 70 for higher monthly payouts. Unchanged in 2026.
- OA interest
- 2.50%Floor rate
- SA · MA · RA
- 4.00%Plus 1% on first $60k
- Wage ceiling
- $8,000Final step, Jan 2026
- FRS 2026
- $220,400BRS $110,200
- ERS 2026
- $440,8004 × BRS since 2025
What is CPF?
CPF (Central Provident Fund) is Singapore's mandatory social security savings scheme. Every Singapore Citizen and Permanent Resident who is employed must contribute a portion of their monthly salary to CPF, with their employer also contributing.
CPF contributions are distributed across three accounts: the Ordinary Account (OA) for housing, insurance, investment, and education; the Special Account (SA) for retirement and retirement-related investments; and the MediSave Account (MA) for healthcare and medical insurance.
Contribution rates and distribution vary by age group, there are 8 age brackets with different rates. Income above the CPF income ceiling is not subject to CPF contributions.