What do I need to use Singapore CPF Explainer?

Status; Age; Account balances; Housing; Question.

Is Singapore CPF Explainer free to use?

Yes — run it free in the browser playground (no API key needed for the sponsored trial, or bring any provider key), or install it into Claude Code, Cursor, ChatGPT and more via npx pm-claude-skills. MIT-licensed and open source.

Singapore CPF Explainer

Q: How do I know the Singapore CPF Explainer output is good?

The skill verifies itself against its own quality checks: Every rate, ceiling, sum and age is marked to confirm with the CPF Board; The contribution check uses the person's own wages, month by month where given; Housing use states the accrued-interest refund and the retirement trade-off; Top-up advice states that the money is locked for retirement.

🔵 Stable🕐 updated 2026-10-05 🔷 SkillSpec L3 pm-sea

Use when asked how CPF works, how much CPF my employer should pay, what happens to my CPF at 55, can I use CPF for my HDB flat, should I top up my CPF, or 公积金怎么算 in Singapore. Produces how the person's CPF contributions are split across the accounts, a contribution check against payslips, what changes at 55 and 65, the housing, top-up and withdrawal options with their trade-offs, and the figures to confirm with the CPF Board.

▶ Run it free — no key needed 📝 Grade your existing draft View SKILL.md ↗

🗣 Say this to your agent

“My employer's CPF contribution looks low. Can you check it against my payslip?”“I'm turning 55 next year. What happens to my CPF?”“Should I use CPF or cash for my HDB down payment?”“新加坡公积金怎么算？我每个月应该存多少？”

What to give it

▸Status — Singapore citizen or permanent resident (and which year of PR), employee or self-employed

▸Age — and monthly wages (ordinary wages, plus any bonus)

▸Account balances — in the Ordinary, Special (or Retirement) and MediSave Accounts, if known

▸Housing — HDB or private, loan from HDB or a bank, how much CPF already used

▸Question — checking contributions, housing, retirement at 55 or 65, topping up, or withdrawing

✅ The bar it holds itself to

Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.

✓Every rate, ceiling, sum and age is marked to confirm with the CPF Board

✓The contribution check uses the person's own wages, month by month where given

✓Housing use states the accrued-interest refund and the retirement trade-off

✓Top-up advice states that the money is locked for retirement

✓No investment product is recommended

✓The output says it is information, not financial advice

⚠️ What it refuses to do

**Treating CPF as an employer perk.** It is part of the person's pay; missing contributions are worth chasing.

**Using the maximum CPF for housing by default.** It can leave retirement short.

**Topping up money that may be needed soon.** Top-ups cannot come back out early.

**Quoting last year's rates as fact.** Rates and ceilings are revised regularly.

Install

npx pm-claude-skills add --agent claude   # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y -p pm-claude-skills pm-claude-skills-mcp

Related skills

🔌 Embed this skill

Drop this on your blog, docs, or site — it renders a "Run this skill" card:

<div data-pm-skill="singapore-cpf-explainer"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>

💬 Discussion

Singapore CPF Explainer is one of 1297 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog