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Budget 2026 CPF Top-Up Checker
Check if you qualify for the one-off Budget 2026 CPF top-up of up to $1,500 for Singaporeans aged 50+ with lower retirement savings. Means-tested by CPF savings and property annual value.
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Singapore Financial Suite
CPF at the S$8,000 wage ceiling, the retirement age moving to 64, Budget 2026 top-ups, income tax, and Singapore Savings Bonds, all current to 2026.
Retirement
View AllModel CPF balances under the 2026 rules: the S$8,000 wage ceiling, SA closure for 55+, extra interest tiers, and the retirement age moving to 64.
Savings & Budget
View AllProject Singapore Savings Bonds step-up yields against fixed deposits and high-interest accounts.
Compare Financial Products
Compare investments, retirement accounts, tax regimes, insurance types, and mortgages side-by-side with interactive calculators and real-time projections.
Singapore Finance Terms
Explore localized financial terms, definitions, and concepts specific to Singapore. Search and understand key finance vocabulary for better planning.
Singapore's 2026 rules, from IRAS rates to CPF tiers
IRAS tax schedules and CPF Board rules as they stand in 2026 drive every figure here: the fully phased-in S$8,000 wage ceiling, the account restructuring for 55+, and the retirement age transition.
IRAS progressive rates and the relief cap
Chargeable income is assessed from 0% on the first S$20,000, stepping through 2%, 3.5%, 7%, 11.5%, 15%, 18%, 19%, 19.5%, 20%, 22%, 23%, and 24% above S$1 million. Reliefs are capped at S$80,000 per year, a ceiling that mostly binds for working mothers stacking multiple reliefs. With no capital gains or dividend tax, sheltering strategies matter less in Singapore than almost anywhere else.
CPF allocation and interest tiers
An under-35 employee's 37% contribution splits roughly 62% to the Ordinary Account, 16% toward retirement savings, and 22% to MediSave. From age 55 the Special Account is closed: savings up to the Full Retirement Sum move to the Retirement Account, the rest to the OA. Extra interest of 1% on the first S$60,000 (2% on the first S$30,000 from 55) makes the first CPF dollars the highest-yielding risk-free money in the system.
Budget 2026 top-ups and the age transition
Budget 2026's one-off CPF top-up pays S$500 to S$1,500 into eligible members' accounts, tiered by balance (below the S$110,200 Basic Retirement Sum), age, and annual value of home, assessed on a 31 December 2025 snapshot with no application needed. Combined with the retirement age moving to 64, the practical planning question is bridging income between stopping work and the unchanged age-65 CPF LIFE payouts, exactly what the transition calculator models.
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