# CPF Allocation Calculator AI Agent Connect

> Calculate exact CPF contributions and account allocations for Singapore Citizens and PRs.

## Overview
- **Category:** finance
- **Price:** Free
- **Endpoint:** https://edge.vinkius.com/vk_preview_q8V92WGi8cnrk064aGFxtzIxmhQVf57gbHjYUyNm/ai-agent-connect
- **Tags:** cpf, singapore, finance, accounting, tax

## Description

This MCP server provides precise calculations for Central Provident Fund (CPF) contributions in Singapore. It determines the exact monetary breakdown of employee and employer contributions and calculates how funds are distributed into the Ordinary Account (OA), Special Account (SA), and Medisave Account (MA) based on regulatory age brackets. Use `calculate_monthly_contributions` to get a full breakdown or `get_contribution_rates` to find specific percentage rates for a given age.

## Tools

### calculate_monthly_contributions
Calculate exact monetary breakdown of CPF contributions and account allocations

### get_account_allocation_ratios
Retrieve the percentage distribution for the OA, SA, and MA accounts for a given age

### get_contribution_rates
Retrieve specific percentage rates for employees and employers based on age and residency

## Prompt Examples

**Prompt:** 
```
Calculate the CPF contribution for a 30-year-old Singapore Citizen earning 5000 SGD monthly.
```

**Response:** 
```
For a 30-year-old Singapore Citizen earning 5000 SGD, the employee contribution is 1000 SGD and the employer contribution is 850 SGD. The total contribution is 1850 SGD, distributed into OA, SA, and MA based on the age-specific ratios.
```

**Prompt:** 
```
What are the CPF contribution rates for a 55-year-old PR?
```

**Response:** 
```
For a 55-year-old Permanent Resident, the employee contribution rate is 20% and the employer contribution rate is 17%.
```

**Prompt:** 
```
How much goes to the Medisave account for a 40-year-old earning 6800 SGD?
```

**Response:** 
```
At a monthly salary of 6800 SGD for a 40-year-old, the Medisave (MA) allocation is calculated based on the fixed percentage for that age bracket applied to the total contribution.
```

## Frequently Asked Questions

**How does the Ordinary Wage (OW) ceiling affect my calculation?**
The tool automatically applies the current Ordinary Wage (OW) ceiling. Any salary earned above this limit is not included in the CPF contribution calculation.

**Does this tool support non-Singapore Citizens or PRs?**
The current version of this tool is specifically designed for Singapore Citizens and Permanent Residents (PRs).

**Can I see the specific percentage rates for my age group?**
Yes, you can use the `get_contribution_rates` tool to retrieve the specific employee and employer percentage rates for your age and residency status.