My Medisave just hit S$79,000 in 2026 — where does the overflow go?

Medisave Overflow in 2026

Since your Medisave account has reached S$79,000 in 2026, this amount is equivalent to the Basic Healthcare Sum (BHS) for 2026, which is projected to be S$79,000 (up from S$75,500 in 2025, as per CPF projections).

Once the BHS is met, any further contributions allocated to Medisave will overflow to your Special Account (SA). This follows the standard CPF allocation hierarchy for individuals aged 35 to 45 (assuming you are in this age bracket, as the overflow rules are age-dependent):

• Medisave (MA): Contributions first go here up to the prevailing BHS (S$79,000 in 2026).
• Special Account (SA): After BHS is hit, the overflow goes to the SA. The SA earns a higher interest rate (currently 4% floor guaranteed for 2025, though the exact 2026 rate is subject to review, it remains higher than OA).
• Ordinary Account (OA): If your SA has already reached its own limit (which is the Full Retirement Sum, FRS, for those turning 55 in 2026, projected at S$220,400), subsequent overflow from Medisave would then go to the OA (earning 2.5%).

Important Note on SA Closure: For Singaporeans aged 55 and above in 2025 onwards, the SA closes. Contributions that would normally go to the SA are instead directed to the Retirement Account (RA) up to the FRS, with any further excess flowing to the OA. However, for those below 55, the overflow mechanism described above (MA -> SA -> OA) remains in effect.

Since your Medisave has hit the 2026 BHS of S$79,000, your next dollar of Medisave contribution will flow to your SA, provided your SA has not yet reached its FRS equivalent for your age cohort.