Project your CPF balance to 55 and 65
A free Singapore CPF calculator that compounds your OA, SA, and MA monthly with the bonus 1% interest tier and the BHS cap. Tweak the inputs, see the trajectory, and get a year-by-year breakdown. No login, nothing saved.
The calculator
Adjust any field and the projection updates instantly. Defaults are illustrative, replace them with your own numbers.
Your details
Projection at age 65
Monthly compounding, interest credited every January 1.
S$0
S$0
S$0
Year-by-year breakdown
| Year | Age | OA | SA / RA | MA | Total |
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This calculator uses 2026 CPF rates and BHS. It assumes flat monthly contributions, no housing deductions, no early withdrawals, and that SA fully transfers to RA at 55. Real CPF outcomes depend on contribution caps, salary changes, and policy updates. This is a calculator, not financial advice. Consult a MAS-licensed adviser for personalised retirement planning.
How CPF interest works
CPF gives you three accounts, the Ordinary Account (OA), the Special Account (SA), and the MediSave Account (MA). OA earns 2.5% a year. SA and MA earn 4% a year. The first S$60,000 across all three accounts (with at most S$20,000 of that coming from OA) earns an extra 1% on top, so the effective rate on the first slice of your balance is higher than the headline number.
Interest is computed monthly on your prior-month balance, then credited as a lump sum every January 1. So contributions you make during 2026 earn interest each month based on the balance at the end of the previous month, and that interest does not actually land in the account until January 2027. The calculator above reflects this exactly.
Your MA is capped at the Basic Healthcare Sum, which is S$79,000 in 2026. Once your MA hits that ceiling, any further MA contributions or interest that would push you over flow into your SA instead. The cap is reviewed each January by the CPF Board.
At age 55, your SA balance transfers to a new Retirement Account (RA). The RA continues to earn 4% a year and forms the basis for CPF Life payouts from 65. This calculator stops once it reaches your target age and does not model the FRS, BRS, or ERS withdrawal options.
What this calculator doesn't model
An honest list. CPF is genuinely complicated and a one-page calculator can only go so far.
- Housing deductions, the monthly OA outflow that goes to your mortgage repayment.
- Salary growth and corresponding contribution increases over time.
- Voluntary contributions, top-ups under RSTU, or transfers between OA and SA.
- Full Retirement Sum, Basic Retirement Sum, or Enhanced Retirement Sum mechanics at 55.
- Property purchases, education withdrawals, or any non-retirement use of CPF funds.
If any of these matter for your situation, Merlio's full CPF tracking handles them. The link is in the header.
Want this connected to your real net worth?
If you'd like this projection running against your actual balances, alongside your investments, property, and household, Merlio does that. The free tier covers basic tracking. Premium adds three things: an AI portfolio analyst you can ask anything in plain English, automatic daily net worth snapshots so your history builds without manual saves, and unlimited holdings so your full portfolio is never capped. 60-day trial, no card required.
FAQ
What CPF rates does this calculator use?
2026 rates. OA earns 2.5% a year. SA, MA, and RA earn 4% a year. There is an extra 1% bonus interest on the first S$60,000 across all three accounts, with a maximum of S$20,000 of that coming from the OA.
Why doesn't this match the CPF Board calculator exactly?
Likely two reasons. We use simplified flat monthly contributions, and we don't model housing deductions or salary growth. For exact figures, use the official CPF Board tools alongside this one.
What's the BHS?
Basic Healthcare Sum, the MA cap. It is S$79,000 in 2026 and is updated each January by the CPF Board.
Does the bonus 1% really apply to MA?
Yes. After OA's S$20,000 portion and SA's portion fill the combined cap, any remaining headroom under the S$60,000 ceiling applies to MA.
What happens to my SA after 55?
Your SA balance transfers to a new Retirement Account that continues earning 4%. CPF Life payouts begin from 65 based on the RA balance. This calculator stops at the RA balance and does not model CPF Life payouts.
Is my data saved?
No. Everything runs in your browser. Nothing is sent to a server. Refresh the page and your inputs reset.
Does Merlio give CPF advice?
No. We are a tracker and calculator. Speak to a MAS-licensed financial adviser for personal advice.
Can I save my projection?
Not yet on this free page. If you sign up for Merlio, your CPF inputs and projections persist across devices.
Want CPF tracking, alongside everything else?
Merlio runs this projection against your real balances and updates monthly. Plus investments, property, loans, and household.