Beware of scam calls and scam messages impersonating as CPF officers asking for your personal details. Ignore them and do not share your Singpass ID/password or banking details with anyone. CPF officers will NOT ask for your Singpass, banking userid or password.

Scheduled Maintenance: CPF digital services will not be available on 7 Aug 2022 from 12am to 8am.

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.

Your page is loading.
One moment please.

What are Ordinary Wages (OW) and Additional Wages (AW)?

For wages to be classified as Ordinary Wages (OW) for the month, it must satisfy both conditions below:

  • The wages are due or granted wholly or exclusively in respect of an employee’s employment during that month; and
  • The wages for that month are payable* by 14th of the following month.

Wages which are not classified as OW will be Additional Wages (AW) for the month.

Example of OW: monthly salary
Example of AW: annual performance bonus

*Please note that the payable date refers to the date where company is contractually obligated to pay employee the wages. Do note that the Employment Act (EA) also imposes certain requirements on the timing for salary payment if employee is covered under EA. If there are circumstances that resulted in administrative delays in payment e.g. new employee joins after payroll cut-off date, you should use the payable date to determine the classification of wages.