Question 1

What is the OW ceiling?

Accepted Answer

The Ordinary Wage (OW) ceiling is the maximum monthly salary on which CPF is computed. From 1 January 2026, it is SGD 8,000 per month. Wages above this are not subject to CPF.

Question 2

Do self-employed persons pay CPF?

Accepted Answer

Self-employed persons must contribute to their MediSave Account if their net trade income exceeds SGD 6,000 per year. They do not need to contribute to the Ordinary or Special Accounts.