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2026 公积金调整，对你意味着什么？

公积金制度并非背景政策，它影响你的每月到手工资、退休储蓄增长速度、住房支出，以及通过医疗储蓄账户积累的医疗保障。2026年，公积金将迎来多项改革。提供清晰示例、规划技巧以及关键观察点，帮助你做出明智决策。

自2026年1月1日起：

  • 普通工资上限提高至 每月8,000新元。

  • 55至65岁员工的公积金缴款率总计上调 1.5% – 其中 雇主增加0.5%，员工增加1%。

  • 65岁以下会员的基本医疗保健金提高至$79,000， 2026年年满65岁的会员的基本医疗保健金固定为$79,000。

 

1）普通工资上限$8,000

公积金现在最多算到每月 $8,000，比去年（2025）的 $7,400高。如果你的月薪超过 $7,400，多余的部分以前是拿现金的，现在会先存进公积金。对大多数人来说，最直接的影响不是退休保障本身，而是每月的预算安排将有所变化。

举个例子： 

55岁及以下员工，CPF要自己缴20%，公司缴17%。月薪是$8,000：

以前公积金最多计算到 $7,400。到 2026年，上限提高到 $8,000，多出的 $600 也会计入公积金。因此，员工每月需要多缴 （$600 × 20% = $120)，工资会少这一部分；同时，公司也会多缴 ($600 × 17% = $102)，所以每月总共有 $222 会进入你的 CPF

 

2）$102,000 仍然是CPF年度工资上限

很多人只注意每月上限，却忽略了年度上限。即使每月工资上限提高，全年公积金缴费最多也只能算到 $102,000。如果你会拿到大额bonus，或者工资发放不固定，这就很重要。

额外工资能算进公积金的部分 = $102,000 – 该年度需缴纳公积金的普通工资总额。

工资接近上限的话，bonus能进公积金的空间就不多了。

 

3）55到65岁员工，公积金缴款率提高

从 2026年1月1日 起，55到65岁的员工，公积金缴费总比例会提高 1.5%，其中公司多缴 0.5%，员工自己多缴 1%。对处在收入高峰期的员工来说，退休储蓄会更快增长。但同时，你每月到手的工资会稍微少一点。

 

4）2026年退休金基准：BRS、FRS、ERS

公积金规划会更具体，因为这会影响你的 CPF LIFE（终身入息计划） 预期收益，也决定了你应该存多少钱。2026年关键数据

从2025年起，ERS 的金额提高到 BRS 的四倍，给那些想多存公积金的人提供更高收益的机会。 如果你快到 55 岁了，可以先算一下自己能不能达到 BRS 或 FRS，然后考虑是否升级到 ERS，看是不是符合你的目标和现金流情况。

 

5）保健储蓄和基本医疗保健金提高到$79,000

从 2026年1月1日 起：

  • 65岁以下的会员，基本医疗保健金为$79,000。

  • 2026年满65岁的会员，其基本医疗保健金将终身固定为$79,000。

  • 66岁及以上的会员不受影响

医疗通胀是退休计划面临的最大风险之一。更高的基本医疗保健金意味着65岁以下的人需要在MediSave中储蓄更多。同时，公积金规定，超过适用基本医疗保健金上限的MediSave缴款会自动转入其他公积金账户。实际上，一旦你的MediSave达到年龄上限，额外的资金就可以用于积累退休储蓄。

 

不要等到55岁才去补充公积金，而是现在就要清楚：自己差多少、靠什么方式补、补到哪里最合适。如果你想了解一些小技巧，比如 怎么规划额外缴款（top up），或者 如何更快提升退休账户余额，可以通过 WhatsApp 联系我. 

微信号：a19842182457 或 WhatsApp：+65 9465 3813

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek unbiased financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Martin Hsia 乙未

歡迎來到我的個人網站，我是Martin乙未，土生土長的台灣人。曾經在澳大利亞和上海求學，目前定居於新加坡。

從小便對財務與投資充滿興趣，尤其是在家庭的熏陶下，這股熱情愈加濃烈。13歲時，便在金融海嘯中擁有了人生的第一張股票，也由此踏上了投資之路。在30歲之前，我成功累積了自己的第一桶金。

目前，我在新加坡最大的優質理財顧問公司工作，專注於為客戶提供資產增值和風險管理的專業服務，協助他們在多變的市場環境中穩健成長。

希望未來可以成為您在新加坡，投資理財的資源人士。

持續不斷為您輸出有價值的訊息，成為您在新加坡值得信賴的理財顧問。

 

 

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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策