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CPF Growth Projection

Forecast how your CPF Ordinary Account (OA), Special Account (SA), and MediSave (MA) balances grow over time using 2026 interest rates.

Current Balances

SGD
SGD
SGD
SGD
yrs
2026 rates: OA 2.5% p.a. · SA / MA / RA 4% p.a. Extra 1% on first S$60,000 combined (OA portion capped at S$20,000) credited to SA or RA. OW ceiling S$8,000/month. SA closed for members 55+ from Jan 2025 — contributions go to RA instead. Allocation ratios are simplified estimates; actual ratios depend on age band per CPF Board table.

Projected Combined CPF

Total CPF after projection
S$0

How CPF interest is calculated

CPF accounts earn different base interest rates: the Ordinary Account earns 2.5% per annum, while the Special Account, MediSave, and Retirement Account earn 4% per annum. These floor rates are maintained by the Government through at least December 2026.

On top of base rates, CPF members earn extra interest: +1% on the first S$60,000 of combined balances (with up to S$20,000 from the OA counting toward this). Members aged 55 and above earn +2% on the first S$30,000 and +1% on the next S$30,000. Extra interest earned on OA is credited to the Special Account (or Retirement Account for those 55+).

The monthly CPF contribution for employees 35 and under is 37% of ordinary wages (20% employee + 17% employer), capped at the Ordinary Wage ceiling of S$8,000/month effective 1 January 2026. The monthly contribution is then split between OA, SA/RA, and MA per age-based allocation ratios set by the CPF Board.

FAQ

What is the 2026 CPF Ordinary Wage ceiling?
S$8,000 per month effective 1 January 2026, completing the phased increase from S$6,000 in 2023. The Annual Wage ceiling remains S$102,000. Employees earning above S$8,000/month will have their CPF contributions calculated on S$8,000 for ordinary wages.
What happened to the Special Account for members 55+?
From 19 January 2025, the Special Account was closed for members aged 55 and above. Their SA balances were transferred to the Retirement Account (up to the FRS), with any excess moved to the OA. From 1 January 2026, all SMRA-rate contributions for members 55+ go directly to the RA.
What are the 2026 CPF Retirement Sums?
For members turning 55 in 2026: Basic Retirement Sum (BRS) S$110,200 · Full Retirement Sum (FRS) S$220,400 · Enhanced Retirement Sum (ERS) S$441,000 (4× BRS from 2025). The FRS determines the CPF LIFE payout level from age 65.
Should I invest my OA savings?
OA savings above S$20,000 can be invested through the CPF Investment Scheme (CPFIS-OA) in approved stocks, ETFs, and bonds. However, the 2.5% OA interest rate is guaranteed — any investment must outperform this risk-free rate to be worthwhile. Historically, many CPFIS-OA investors have underperformed the 2.5% floor rate.