CPF Changes in 2026: Quick & Simple Breakdown

Some CPF changes are coming in 2026 that will affect pay, savings and retirement planning. Here’s the short version 👇

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1️⃣ CPF salary ceiling goes up to $8,000
If you earn above $7,400, more of your salary will be subject to CPF.

• Take-home pay slightly lower
• CPF savings higher
• Annual caps stay the same

2️⃣ Higher CPF contribution rates for ages 55–65
From 2026:

• Ages 55–60: 32.5% → 34%
• Ages 60–65: 23.5% → 25%

Extra contributions go into the Retirement Account, boosting future payouts.

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3️⃣ New Matched MediSave Scheme (2026–2030)
For Singaporeans aged 55–70:

• Govt matches $1 for every $1 MediSave cash top-up
• Up to $1,000 per year

4️⃣ MRSS expanded to include younger persons with disabilities

• Dollar-for-dollar matching
• Up to $2,000 per year, $20,000 lifetime

5️⃣ Higher retirement sums in 2026
For those turning 55:

• BRS: $110,200
• FRS: $220,400
• ERS: $440,800

Slightly less cash now for some, but stronger retirement and healthcare savings over time.

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👉 We broke down all 5 changes with examples and who benefits most here: https://plannerbee.co/learn-personal-finance/cp...