35 or below
Above 35 to 45
Above 45 to 50
Above 50 to 55
Above 55 to 60
Above 60 to 65
Above 65
Employer Share:0.00
Employee Share:0.00
Total CPF Contribution:0.00
Estimated OA (Ordinary Account):0.00
Estimated SA (Special Account):0.00
Estimated MA (Medisave):0.00
Understanding CPF OA for PR Year 1 and Year 2
Becoming a Permanent Resident (PR) in Singapore involves a transition period regarding your Central Provident Fund (CPF) contributions. This "Graduated" contribution scheme is designed to help you and your employer adjust to the full contribution rates over a period of two years. Understanding how your contributions are allocated to your Ordinary Account (OA) is crucial for housing planning and mortgage servicing.
PR Year 1 vs. PR Year 2 Rates
Upon obtaining PR status, you enter a 3-tier phase:
PR Year 1: This begins on the day you become a PR. During this first year, both employer and employee contribution rates are significantly lower than the full rates.
PR Year 2: Starting from the first day of your second year as a PR, the rates increase, bridging the gap between Year 1 and Full rates.
PR Year 3 onwards: You are considered a full member and contribute at the standard rates applicable to Singapore Citizens.
Note on OA Allocation: While the contribution rates (the percentage of salary) differ for PR1 and PR2, the allocation ratios (how that money is split into OA, SA, and MA) generally follow the age-based ratios of the CPF system. The calculator above estimates the OA amount by applying standard allocation ratios to the reduced PR contribution totals.
How to Calculate OA for PR1 and PR2
To calculate the specific dollar amount going into your Ordinary Account, the logic follows two main steps:
Determine Total CPF Contribution: Total CPF = (Ordinary Wages × Employer Rate) + (Ordinary Wages × Employee Rate) The rates depend on your age group and whether you are in Year 1 or Year 2.
Apply Allocation Ratio: Once the total CPF is received by the board, it is split into accounts. For younger members (35 and below), a larger percentage is allocated to the OA to support housing needs. As members age, more is shifted towards the Special Account (SA) and Medisave (MA) for retirement and healthcare.
Why Accurate OA Calculation Matters
For new Permanent Residents, the sudden start of CPF contributions affects take-home pay. However, the OA portion is immediately available for:
Housing Down Payments: Buying HDB or private property.
Education: Paying for tuition fees for yourself or children.
Using this calculator helps you predict exactly how much will accumulate in your OA during these transitional years, allowing for better financial planning before the full rates kick in during Year 3.
function calculateCPF() {
var wageInput = document.getElementById('monthlyWage').value;
var status = document.getElementById('prStatus').value;
var ageGroup = document.getElementById('ageGroup').value;
var wage = parseFloat(wageInput);
if (isNaN(wage) || wage wageCeiling ? wageCeiling : wage;
// Rates definitions (Simplified approximations for PR Graduated Rates)
// Format: [EmployerRate, EmployeeRate]
var rates = {
'pr1': {
'group1': [0.04, 0.05], // 65
},
'pr2': {
'group1': [0.09, 0.15], // 65
}
};
// Allocation Ratios (Approximate % of Total CPF Fund allocated to OA/SA/MA)
// Based on standard CPF allocation ratios
var allocation = {
'group1': [0.6217, 0.1621, 0.2162], // 65
};
// Get specific rates
var currentRates = rates[status][ageGroup];
var employerRate = currentRates[0];
var employeeRate = currentRates[1];
// Calculate Shares
var employerShare = calculableWage * employerRate;
var employeeShare = calculableWage * employeeRate;
// Rounding logic for CPF (Usually rounded to nearest dollar or specific cent rules, using 2 decimal for display)
// CPF usually drops cents for calculation steps in specific ways, here we use standard math for estimation
var totalContribution = employerShare + employeeShare;
// Get Allocation Ratios
var currentAlloc = allocation[ageGroup];
var oaRatio = currentAlloc[0];
var saRatio = currentAlloc[1];
var maRatio = currentAlloc[2];
// Calculate Accounts
var oaAmount = totalContribution * oaRatio;
var saAmount = totalContribution * saRatio;
var maAmount = totalContribution * maRatio;
// Display Results
document.getElementById('resEmployer').innerText = employerShare.toFixed(2);
document.getElementById('resEmployee').innerText = employeeShare.toFixed(2);
document.getElementById('resTotal').innerText = totalContribution.toFixed(2);
document.getElementById('resOA').innerText = oaAmount.toFixed(2);
document.getElementById('resSA').innerText = saAmount.toFixed(2);
document.getElementById('resMA').innerText = maAmount.toFixed(2);
document.getElementById('resultArea').style.display = 'block';
}