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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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I have just converted from a Singapore Permanent Resident to a Singapore Citizen. When should I apply the CPF contribution rates applicable to Singapore Citizens?

The CPF contribution rates for a Singapore Citizen will apply from the date you have converted to a Singapore Citizen.

For Ordinary Wages (OW), your employer will need to pro-rate your OW and apply the appropriate rates to determine your CPF contributions. Your employer can write to us for assistance on the computation if the OW for the month exceeds the OW ceiling or if the pro-rated wages are below $750.

For Additional Wages (AW), your employer will need to apply the applicable contribution rate depending on when the AW is payable to you.

Example:

Assuming you are in your second year of Singapore Permanent Resident (SPR) status and become a Singapore Citizen on 15 June 2020:

For OW

  • The second year SPR rate should be applied on the pro-rated wages for the period 1 June to 14 June 2020.
  • The Singapore Citizen rate should be applied on the pro-rated wages for the period of 15 June to 30 June 2020.

For AW

  • The second year SPR rate should be applied on the AW if it is payable between 1 June and 14 June 2020.
  • The Singapore Citizen rate should be applied on the AW if it is payable between 15 June and 30 June 2020.