Singapore self-employed MediSave contributions in 2026

Self-employed MediSave rates depend on annual net trade income, age and pensioner status, with a phased income band and annual caps.

Age bands, as at 1 January

Below 35; 35 to below 45; 45 to below 50; 50 and aboveCPF Board, MediSave contribution rates for self-employed persons in 2026

NTI above S$6,000 to S$12,000, rates in age-band order

4%; 4.5%; 5%; 5.25%CPF Board, MediSave contribution rates for self-employed persons in 2026

Non-pensioner NTI above S$12,000 to S$18,000

Phased: 4%–8%; 4.5%–9%; 5%–10%; 5.25%–10.5%CPF Board, MediSave contribution rates for self-employed persons in 2026

Non-pensioner NTI above S$18,000

8%; 9%; 10%; 10.5%CPF Board, MediSave contribution rates for self-employed persons in 2026

Non-pensioner annual caps in age-band order

S$7,680; S$8,640; S$9,600; S$10,080CPF Board, MediSave contribution rates for self-employed persons in 2026

Pensioner NTI above S$18,000, all age bands

6%, maximum S$5,760CPF Board, MediSave contribution rates for self-employed persons in 2026

The mandatory contribution threshold

Self-employed persons with total net trade income (NTI) above S$6,000 must make mandatory MediSave contributions. These contributions build savings for healthcare needs. CPF Board, mandatory MediSave contributions (opens in a new tab).

The 2026 table uses age at the start of the year

CPF Board's table applies to 2026 and uses age as at 1 January. It excludes net earnings from platform work declared to CPF Board by platform operators. CPF Board, MediSave contribution rates for self-employed persons in 2026 (opens in a new tab).

The middle income band is phased

For non-pensioners, NTI above S$12,000 and up to S$18,000 uses phased rates. The four age bands phase from 4% to 8%, 4.5% to 9%, 5% to 10%, and 5.25% to 10.5%. CPF Board publishes a separate formula for each band. CPF Board, MediSave contribution rates for self-employed persons in 2026 (opens in a new tab).

Pensioners have a separate table

For pensioners, the lowest NTI band has the same rates. The middle band phases from 4%, 4.5%, 5% or 5.25% to 6%, according to age. Above S$18,000, every age band uses 6%, capped at S$5,760. CPF Board, MediSave contribution rates for self-employed persons in 2026 (opens in a new tab).

Scope

This is general information about the published annual schedule, with no personal contribution calculation. It excludes the assessment of pensioner status, income adjustments and relief claims, and makes no payment recommendation.

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