How are my CPF contributions allocated to my CPF accounts?
When you’re younger, more of your CPF contributions are allocated to your Ordinary Account (OA) to support your home purchase. As you grow older, more CPF contributions are allocated to your Special Account (SA) or Retirement Account (RA) and MediSave Account (MA) to meet growing retirement and healthcare needs respectively. You can view the CPF allocation rates (PDF, 0.1 MB) for details.
 
When you move to the next age group, the change in allocation rates is applied from the first day of the month after your birthday.
 
Example:
 
If you turn 35 years old on 13 January 2025,
  • Your allocation rates for January 2025 will be based on the “35 years and below” age group; and
  • Your allocation rates for February 2025 will be based on the “Above 35 to 45 years” age group.

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