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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 retrospective salary increments classified as Ordinary Wages (OW) or Additional Wages (AW)?

Retrospective salary increments are increments which are decided later, but retrospectively applied from an earlier month. The back-dated amount will be considered as Additional Wages (AW).

If the salary increment was not applied retrospectively, but was paid late due to an administrative delay, it will be considered as Ordinary Wages (OW) and late payment interest may apply.


If your salary increment was decided only in April, but your employer decided to back-date the increment to commence from February, the salary increment for the period from February to March will be considered as AW for April.

However, if your salary increment was payable since February, but was not paid out until your employer realises the administrative error in April, your employer will have to compute the CPF shortfall for February and March and make the payment as soon as possible. Late payment interest will apply as the CPF contributions are late.