The Fifth C

CPF Calculators

Everything you need to understand your CPF — contributions, retirement projections, and account allocation. Built on official CPF Board formulas, current for 2026.

CPF Contribution Calculator

How much CPF will you pay? All age bands, PR graduated rates, OA/SA/MA breakdown.

CPF Retirement Planner

Will you reach the Full Retirement Sum? Project your CPF balance to age 65.

OA / SA / MA Breakdown

Where does your CPF money actually go? See the allocation split by age.

CPF Withdrawal at 55

How much can you actually withdraw when you turn 55?

CPFIS Investing

Should you invest your CPF OA instead of leaving it at the default rate?

CPF by Salary

Exact contribution tables for common salary levels.

$1,000 $1,500 $2,000 $2,500 $3,000 $3,500 $4,000 $4,500 $5,000 $5,500 $6,000 $6,500 $7,000 $7,500 $8,000 $8,500 $9,000 $9,500 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $16,000 $17,000 $18,000 $19,000 $20,000