CPF is not gone one

That chunk missing from your payslip every month? It didn't disappear. It's you, paying future-you, at up to 4% guaranteed. Drag two sliders and see it.

Two sliders. That's the whole thing.

Uses the 2026 rates and the S$8,000 wage ceiling. Rough and honest, not official CPF maths.

🎂 Your age 28

These rates cover ages 21 to 55, when your CPF fills up fastest.

💵 Monthly salary S$4,000

Gross, before CPF. Anything above S$8,000 the ceiling ignores.

🎁 Extra top-up a year (optional) S$0

Top up your Special Account yourself and claim up to S$8,000 in tax relief.

Into your CPF every month

S$0 /month

You put in S$0. Your boss quietly adds S$0. Nobody asks you to be disciplined.

OA S$0 · housing SA S$0 · the 4% one MA S$0 · hospital

Drag a slider to meet your money…

🧘 Keep just your Special Account slice going at 4% until 55 (27 years):

S$0

Guaranteed by the government. No 2am group-chat tips, no rug pull. Just 4%, every year.

Illustrative only. Real CPF shifts allocation as you age and the ceiling moves over time, so treat this as a nudge, not a statement.

Ok, but where does the rest go?

CPF is the easy 4%. The other 90% of your money is the messy part. Find your money personality in 60 seconds, then talk to a real MAS-licensed adviser who won't sell you 10 policies.

Take the quiz 🥁 Talk to a real FA

A light-hearted tool for learning, not financial advice. Made by Tung Tung Sahur · wake up leh 🥁