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my cpf

View personal CPF information and transactions for retirement, home ownership, healthcare, and more.

CPF overview

CPF empowers you to secure your life goals. Save for retirement, home ownership, and healthcare protection.

Growing your savings

For greater peace of mind in your golden years, CPF provides you with a strong foundation for retirement by helping you save for your retirement income, home ownership and healthcare needs.

Retirement income

Build a strong foundation for your retirement and get more from what you save in your golden years.

Home ownership

Owning a home can be affordable. Take care of your mortgage repayment, while protecting your retirement nest egg.

Healthcare financing

Learn how CPF can give you peace of mind to manage your basic healthcare sum and meet the costs of your healthcare needs.

Account services

Throughout your working life and in retirement, you can easily access your CPF account information using Singpass. To better manage your CPF savings, keep up with the latest news by having your contact details updated and subscribe to our email notifications.

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Are CPF contributions payable on the National Service (NS) make-up pay when I am away from work for NS training?

Your employer should continue to pay CPF contributions on the total wages payable to you, which is inclusive of your NS make-up pay.


Tim earns a basic salary of $2,000 and an average overtime pay of $800 every month. He went on NS training for one week in July.

Pro-rated basic salary given by employer


Overtime pay given by employer


Make-up pay given by MINDEF/SCDF/SPF (including variable wage components like overtime pay and commission)


(consists of $500 for the loss in basic salary and $200 for loss in overtime pay)

Total Wages for July


Tim’s employer will have to pay CPF contributions on his total wages of $2,800, inclusive of the NS make-up pay. The employee’s share of CPF contributions will also be based on the total wages of $2,800, and Tim’s employer is entitled to recover this from Tim’s wages.