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singapore-cpf-explainer

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Use when asked how CPF works, how much CPF my employer should pay, what happens to my CPF at 55, can I use CPF for my HDB flat, should I top up my CPF, or 公积金怎么算 in Singapore. Produces how the person's CPF contributions are split across the accounts, a contribution check against payslips, what changes at 55 and 65, the housing, top-up and withdrawal options with their trade-offs, and the figures to confirm with the CPF Board.

skills/singapore-cpf-explainer/SKILL.md

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Repository last updated
Nov 9, 2026
License
MIT

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# Singapore CPF Explainer

The Central Provident Fund is most Singaporeans' and permanent residents' biggest asset after their home, and it touches housing, healthcare and retirement at once. People lose out by never checking their employer's contributions, by using CPF for housing without seeing the retirement cost, and by missing top-ups that earn tax relief and higher interest. This skill explains the person's CPF plainly, checks the numbers they give, and lays out their options.

Write in English unless the person asks for Chinese (新加坡华文, Simplified script) or Malay. Contribution rates, wage ceilings, retirement sums and interest rates change; mark every figure to confirm on cpf.gov.sg. This is information, not financial advice.

## Required Inputs

Ask for these if not provided:
- **Status**: Singapore citizen or permanent resident (and which year of PR), employee or self-employed
- **Age** and **monthly wages** (ordinary wages, plus any bonus)
- **Account balances** in the Ordinary, Special (or Retirement) and MediSave Accounts, if known
- **Housing**: HDB or private, loan from HDB or a bank, how much CPF already used
- **Question**: checking contributions, housing, retirement at 55 or 65, topping up, or withdrawing
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