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Singapore CPF Guide 2026 PDF
€12.00 incl. VAT
This CPF guide works through six areas across 30 pages, each tied to the rates that take effect on 1 January and 1 July 2026 rather than a general summary of how CPF works. It starts with contribution rates by age band, then covers wage ceilings and the CPF annual limit, retirement age, re-employment age and senior worker support, MediSave contributions and the Basic Healthcare Sum, the three retirement sums — Basic, Full and Enhanced — and finally withdrawals, CPF interest rates and CPF LIFE payouts.
Two ready-to-use letters are included: a request for confirmation of an instalment arrangement for compulsory MediSave contributions, and a request to your employer for recalculation of your CPF contribution rate following a change of age band, both written so you only need to fill in your own details. A frequently-asked-questions section covers the confusion points that come up most often around age-band changes and MediSave shortfalls, a glossary explains CPF's own terminology, and the sources behind each chapter are listed at the end.
It's written for employees who want to check their contribution rate is correct after a birthday moves them into a new age band, self-employed members handling their own MediSave contributions, and anyone approaching retirement age who needs to understand the difference between the three retirement sums. The rates and rules reflect those effective from 1 January and 1 July 2026. The PDF downloads immediately after purchase, works on any device, and is organised so you can go straight to the chapter that applies to you.
Unlike a general explainer on retirement savings, every chapter is tied to the actual contribution rates and sums that take effect on 1 January and 1 July 2026, not an earlier version of the scheme. It's a one-time purchase with no subscription: the PDF stays on your device, is fully searchable by keyword, and is there to check again the next time a CPF question comes up at work.
The contribution-rate chapter breaks down every age band effective 1 January 2026: up to 55 stays at 37.0% total (17.0% employer, 20.0% employee, unchanged); above 55 to 60 rises to 34.0% (16.0%/18.0%), up 1.5 percentage points from 2025's 32.5%; above 60 to 65 rises to 25.0% (12.5%/12.5%), also up 1.5 points from 23.5%; and above 65 to 70 stays at 16.5% (12.5%/4.0%), since that band already reached its target in 2024. The guide flags a practical trap employers need to watch for: an employee turning 55, 60 or 65 partway through the year has contributions calculated at two different rates within the same calendar year, split exactly at the birthday. It also covers the CPF Transition Offset scheduled for the next increase on 1 January 2027, which will cover 50% of employers' additional cost, and explains how the same age-band percentages apply separately to Ordinary Wages and Additional Wages, each subject to its own ceiling.
Two ready-to-use letters are included: a request for confirmation of an instalment arrangement for compulsory MediSave contributions, and a request to your employer for recalculation of your CPF contribution rate following a change of age band, both written so you only need to fill in your own details. A frequently-asked-questions section covers the confusion points that come up most often around age-band changes and MediSave shortfalls, a glossary explains CPF's own terminology, and the sources behind each chapter are listed at the end.
It's written for employees who want to check their contribution rate is correct after a birthday moves them into a new age band, self-employed members handling their own MediSave contributions, and anyone approaching retirement age who needs to understand the difference between the three retirement sums. The rates and rules reflect those effective from 1 January and 1 July 2026. The PDF downloads immediately after purchase, works on any device, and is organised so you can go straight to the chapter that applies to you.
Unlike a general explainer on retirement savings, every chapter is tied to the actual contribution rates and sums that take effect on 1 January and 1 July 2026, not an earlier version of the scheme. It's a one-time purchase with no subscription: the PDF stays on your device, is fully searchable by keyword, and is there to check again the next time a CPF question comes up at work.
The contribution-rate chapter breaks down every age band effective 1 January 2026: up to 55 stays at 37.0% total (17.0% employer, 20.0% employee, unchanged); above 55 to 60 rises to 34.0% (16.0%/18.0%), up 1.5 percentage points from 2025's 32.5%; above 60 to 65 rises to 25.0% (12.5%/12.5%), also up 1.5 points from 23.5%; and above 65 to 70 stays at 16.5% (12.5%/4.0%), since that band already reached its target in 2024. The guide flags a practical trap employers need to watch for: an employee turning 55, 60 or 65 partway through the year has contributions calculated at two different rates within the same calendar year, split exactly at the birthday. It also covers the CPF Transition Offset scheduled for the next increase on 1 January 2027, which will cover 50% of employers' additional cost, and explains how the same age-band percentages apply separately to Ordinary Wages and Additional Wages, each subject to its own ceiling.
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