How much of my monthly salary goes into my CPF Medisave account?

CPF Medisave Contribution Rates by Age

The amount of your monthly salary that goes into your CPF Medisave Account (MA) depends on your age group. This is based on the mandatory employee contribution rates set by the CPF Board.

For an employee aged 35 and below earning a salary up to the prevailing ceiling:

• Medisave Contribution: 8% of your gross monthly salary.

For an employee aged 35 to 45 earning a salary up to the prevailing ceiling:

• Medisave Contribution: 9% of your gross monthly salary.

Contribution Ceiling and Overflow

Contributions are capped based on the monthly salary ceiling. For 2025, the salary ceiling is S$7,400 per month, increasing to S$8,000 in 2026.

Furthermore, your Medisave contributions are subject to the prevailing Basic Healthcare Sum (BHS). For 2025, the BHS is S$75,500. If your Medisave account balance exceeds the BHS, any excess contribution (after MA hits BHS) will flow into your Special Account (SA) until the Full Retirement Sum (FRS) is met, and subsequently into your Ordinary Account (OA). This overflow mechanism applies to MA interest as well.

Example (Age 30, Salary S$5,000, 2025 rates):

Your gross monthly salary is S$5,000. Your Medisave contribution is 8% of S$5,000, which equals S$400 per month. (Note: For this age group, the SA contribution is 6% and OA is 23% of the salary, totaling 37% employee contribution).

Usage of Medisave Funds

Medisave funds are primarily for healthcare needs, including MediShield Life and Integrated Shield Plan premiums (which can consume a significant portion, up to S$45,000 between ages 65-85), CareShield Life premiums, approved treatments, and approved vaccinations (Source: CPF Board guidelines on Medisave usage).