MediSave Contribution Rate Singapore 2026: How Much Goes Into Your Account by Age

The exact percentage of your wage that goes into MediSave every month, by age — plus real SGD examples and what it means for your Integrated Shield Plan premiums.

Your MediSave contribution rate in 2026 ranges from 8% to 10.5% of your wages, depending on your age. Employers and employees split this within your total CPF contribution, which applies to monthly wages up to the $8,000 ceiling. Self-employed persons contribute separately, based on net trade income. Data verified as at July 2026.

Not financial advice. All figures are for educational reference only. Data verified against CPF Board and MOH official sources as at July 2026.

Table of Contents

What Is the MediSave Contribution Rate?

Every payday, part of your CPF contribution flows straight into your MediSave Account (MA). That slice is called your MediSave contribution rate.

You don’t choose this rate. CPF Board sets it based on your age. Younger workers get a smaller MediSave share because they need more in their Ordinary Account (OA) for housing. Older workers get a bigger MediSave share because healthcare costs tend to rise with age.

In 2026, the MediSave contribution rate for employees ranges from 8% of your wage (age 35 and below) to 10.5% (age 50 and above). This money isn’t lost. It builds your healthcare safety net, helps pay your Integrated Shield Plan premiums, and covers hospital bills for you and your family.

MediSave Contribution Rate by Age in 2026

Here’s the full breakdown. However, note that your total CPF contribution rate and your MediSave-specific rate move in different directions as you age.

Source: CPF Board, CPF Contribution Rate Table and CPF Allocation Rates from 1 January 2026 (cpf.gov.sg, data.gov.sg).

Notice something? Your total CPF contribution rate drops sharply after age 55 — from 37% down to just 12.5% by age 70. But your MediSave rate barely moves. It actually climbs slightly, then holds steady at 10.5%. CPF Board designed it this way on purpose. As you age, a bigger slice of a shrinking pie goes to your healthcare fund, because that’s when you’re statistically most likely to need it.

Real SGD Examples: How Much MediSave You Actually Get

Percentages are hard to picture. Here’s what they look like in real dollars, for five different Singaporeans across different ages and salaries.

Source: Author calculations using CPF Board contribution and allocation rates, as at July 2026.

Notice how the 48-year-old earning $8,000 puts away $800 a month — nearly double what the 30-year-old on $5,000 contributes. That’s not just about the higher salary. The MediSave rate itself climbed from 8% to 10%.

If you’re 30 and earning $5,000 a month, $400 flows into your MediSave every month. Over a year, that’s $4,800 — enough to cover several years of ISP premiums, or a meaningful chunk of a subsidised-ward hospital stay.

Self-Employed? Your MediSave Contribution Works Differently

If you’re a hawker, private-hire driver, freelancer, or run your own business, MediSave doesn’t come out of a monthly payslip. Instead, CPF Board calculates it once a year, based on your Net Trade Income (NTI) — basically your profit after allowable business expenses.

You’re required to contribute to MediSave once your NTI exceeds $6,000 a year. Below that threshold, contributions are voluntary. Your rate still depends on age, but the formula is graduated rather than a flat percentage, and it applies to NTI, not gross earnings.

CPF Board sends you a Notice of CPF Contributions after IRAS finishes assessing your income for the year. You then have 30 days from the notice date to pay, either as a lump sum or through an instalment plan.

For the full self-employed MediSave rate table with worked examples, see our CPF Contribution Rate for Self-Employed Singapore guide.

The Wage Ceiling and BHS Cap: Where Your Contributions Stop

Two limits shape how much MediSave you can actually build.

First, the Ordinary Wage (OW) ceiling. From 1 January 2026, this rose to $8,000 a month, up from $7,400. Only wages up to this ceiling attract CPF contributions. So if you earn $10,000 a month, your MediSave rate still only applies to the first $8,000 — the remaining $2,000 isn’t subject to CPF contributions at all.

Second, the Basic Healthcare Sum (BHS). This is the maximum your MediSave Account can hold. For 2026, the BHS is $79,000 for members below 65. It’s adjusted yearly for younger members, but once you turn 65, your personal BHS is fixed for life at whatever the cohort figure is that year.

Once your MediSave balance hits the BHS, contributions that would normally flow into MediSave get redirected instead — to your Special Account if you’re below 55, or your Retirement Account if you’re 55 and above. You don’t lose this money. It simply builds a different pot.

In practice, this means high earners in their 50s and 60s often “max out” MediSave years before retirement, and the surplus starts building their retirement savings instead. For the full mechanics of the BHS cap, see our CPF MediSave Cap 2026 guide.

Why This Matters for Your Integrated Shield Plan Premiums

Here’s the practical part. Most Singaporeans pay their Integrated Shield Plan (ISP) premiums using MediSave, not cash. The more MediSave you’re contributing now, the more comfortably you can cover rising ISP premiums later.

However, MediSave usage for ISP premiums isn’t unlimited. CPF Board caps how much you can withdraw per policy year through the Additional Withdrawal Limit. Any premium above that cap, plus all rider premiums, must be paid in cash.

That’s why understanding your contribution rate matters for planning. If you’re in your 30s contributing 8% of your wage, your MediSave balance grows more slowly than someone in their 50s at 10.5%. Planning a voluntary top-up in the years before you need a bigger ISP plan, such as before a rider change or a switch to private hospital coverage, can help you avoid a cash-flow surprise.

For the full breakdown of what MediSave can and can’t pay for, read our Medisave Singapore: Complete Guide. If your balance is running low ahead of an upcoming premium, our guide on how to top up your MediSave in Singapore walks through every method, including cash top-ups that qualify for tax relief.

How to Check and Track Your MediSave Contribution

You can check your MediSave contributions in real time through three channels. The CPF Mobile app shows your latest contribution and account balances. The my cpf online portal, accessed via Singpass, gives you a full transaction history by month. Most employers also itemise the CPF contribution breakdown on your payslip.

If a contribution looks off, check your payslip against the official 2026 contribution rate table first. Employers occasionally miscalculate around birthdays, since your rate changes from the first day of the month after you cross an age band, such as your 55th, 60th, 65th, or 70th birthday, not on the exact date itself.

If you’re self-employed, log in to the Self-Employment Dashboard on the CPF website to see your MediSave payable and due dates. You can also use CPF Board’s Self-Employed MediSave Contribution Calculator to estimate what you owe before your notice arrives.

Disclaimer: This article is for educational purposes only and does not constitute financial or tax advice. CPF contribution rates and thresholds are set by CPF Board and may change. Always verify current figures on the official CPF Board website before making financial decisions.

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