Your CPF statement comes in three forms. Your dashboard shows today’s balance in each account. The Transaction History lists every movement for the latest 15 months. The Yearly Statement of Account summarises each calendar year and is kept for up to 10 years.
All three are free and sit behind a Singpass login. Here is how to find each one, how to read the entries, and the handful of things worth checking a few times a year.
Where to Find Your CPF Statement
Log in with Singpass to my cpf digital services on the CPF website, or to the CPF Mobile app.
| Record | What it shows | How far back |
|---|---|---|
| Account balances (dashboard) | Current balance in your Ordinary, Special or Retirement, and MediSave Accounts | Today |
| Transaction History | Contributions, withdrawals and transfers, entry by entry | Latest 15 months |
| Contribution history | Contributions by month and by employer, within the Transaction History | Latest 15 months |
| Yearly Statement of Account | A summary of what came in and went out in each calendar year | Up to the past 10 years |
Source: CPF Board.
Each can be viewed, printed or downloaded as a file.
How to Read the Transaction History
The Transaction History is the working record. It opens on the latest three months. You can switch to 6 or 12 months, or set your own range of up to 15 months.
You can also filter by contribution type: employment and platform contributions, or self-employed contributions.
A typical month for an employee shows one contribution from the employer, covering both the employer’s share and the share deducted from your pay. That amount is then split across your accounts.
Other entries you may see:
- Housing deductions from your Ordinary Account (OA), if you pay a home loan or a lump sum with CPF.
- MediSave deductions for insurance premiums such as MediShield Life, or for medical bills.
- Top-ups and transfers, whether you made them or someone made them for you.
- Government payments credited to your accounts.
- Interest, once a year.
Reading a contribution line
Take an illustrative employee aged 30 earning S$5,000 a month. In 2026 the expected contribution is 37% of $5,000, which is $1,850.
Using CPF Board’s allocation ratios for age 35 and below, it should be split roughly like this:
- Ordinary Account: about $1,150.
- Special Account: about $300.
- MediSave Account: about $400.
If your own line is close to what the rates predict, payroll is doing its job. The rates are in CPF contribution rates for 2026 and 2027, the split is in CPF allocation rates by age, and our CPF contribution calculator gives the figure for your wage and age.
How to Read the Yearly Statement of Account
The Yearly Statement of Account covers 1 January to 31 December. Think of it as the annual summary: what you started with, what was added, what was taken out, and what you ended with, for each account.
It is the place to look for:
- Total contributions for the year, which you can set against your total pay.
- Interest credited, shown per account.
- Total withdrawals and deductions, such as housing and MediSave use.
- Year-end balances.
It is also the only record that goes back further than 15 months. CPF Board states that it does not provide statements beyond the past 10 years, and that members are responsible for reviewing and saving their own copies.
The short version: Use the dashboard for today’s balances, the Transaction History for the last 15 months, and the Yearly Statement of Account for anything older, up to 10 years. Download the yearly statement every year, because older ones are not kept for you.
Six Things Worth Checking
1. Your employer’s contributions are arriving, and on time. Each month’s contribution should appear in the following month. A missing month, or a pattern of late payments, is worth a question to HR.
2. The amount matches your pay. Compare the contribution with your payslip. Remember the ceilings: in 2026, monthly pay above $8,000 attracts no CPF, and bonuses have their own limit. See CPF wage ceilings and limits.
3. Your age band is right. Rates and the split between accounts change after 35, 45, 50, 55, 60, 65 and 70. A new band applies from the month after your birthday month.
4. Interest has been credited. Interest is computed monthly but credited once a year. If you look in June and see no interest entry, nothing is wrong. Check the yearly statement, and see CPF interest rates explained for what to expect.
5. Top-ups have been recorded. If you made a cash top-up for tax relief, confirm it shows in the right account and the right calendar year. Our CPF top-up tax relief calculator estimates what the relief is worth.
6. Housing withdrawals are adding up. The amount you have used for your home, plus the interest it would have earned, goes back to your CPF when you sell. The running total is on your home ownership dashboard. We explain it in CPF accrued interest when selling a flat.
If Something Looks Wrong
Start by ruling out the ordinary explanations.
- Timing. A contribution for this month’s pay will not show until after the month ends.
- Ceilings. A high earner’s contribution stops rising once pay passes the Ordinary Wage ceiling.
- Status. New Permanent Residents are on lower graduated rates for two years. See CPF for Singapore Permanent Residents.
- Age. A lower rate from 55 or 60 is expected.
If the figure is still off, ask your employer’s payroll or HR team, with the payslip and the statement side by side. Most discrepancies are simple errors.
If that does not settle it, CPF Board accepts reports of unpaid or underpaid contributions.
For entries you do not recognise, such as a withdrawal you did not make, contact CPF Board promptly. From 55, you can also switch on the CPF Withdrawal Lock, which disables online withdrawals.
Keeping Your Own Records
A small routine is enough.
- Early each year, once the new Yearly Statement of Account is available, download it and file it with your tax documents.
- Twice a year, glance at the Transaction History to confirm contributions are arriving.
- Before a big decision, such as a home purchase, a top-up or turning 55, download the latest balances so you are working from real numbers.
Balances from your statement are the inputs for our CPF interest projector and CPF retirement sum planner.
What To Do Next
- Log in with Singpass today and note your three balances.
- Download every Yearly Statement of Account still available to you. The oldest will drop off as each year passes.
- Compare last month’s contribution with your payslip.
- If you are unsure what each account is for, read CPF accounts explained.
- For what to do with what you find, see CPF strategies by age.
