How much will i have in my CPF?

How much will I have in my CPF?

Most Singaporeans vastly underestimate the power of their CPF. Compounding quietly in the background, your account balances often build into a far more significant financial safety net than you realize. Map out your compounding journey below, factor in housing payments, and discover your true retirement trajectory.

Your Profile

Date of Birth i Citizenship i

Current CPF Balances

OA Balance ($) i SA Balance ($) i MA Balance ($) i

Income & Contributions

Gross Monthly Salary ($) i Gross Annual Bonus ($) i

RSTU or CPF Top-up / Year (Max $8,000) i

Retirement Goals

Retirement Sum Target i

Use CPF OA For Housing? i Target Age i

Target Age : 65

How to use this tool:
Fill out the 4 steps on the left. Leave fields blank if they do not apply to you. Your customized projection dashboard will automatically calculate and update below as you type.

Retirement Sum & BHS Forecasts

Year	FRS	BHS

FRS 10-Yr CAGR: ...
BHS 10-Yr CAGR: ...
Projections utilize historical growth rates of known limits to forecast your personal caps accurately.

Key Assumptions Used

Housing: If you use OA for housing, we assume all regular OA contributions are used for mortgage payments and do not compound for retirement (though post-55 overflows are protected).
Medical: Assumes no major medical events for yourself or dependents that would deplete your MediSave (MA) balance.
Income: Assumes your salary and bonus remain flat (no annual increment or inflation).
Rules & Interest: Projections strictly follow current CPF rules, existing caps, and static interest rates (2.5% OA / 4.0% SA/MA/RA).

Interest Rates & Caps

Account	Rate
OA	2.50%
SA / RA	4.00%
MA	4.00%

Includes +1% on first $60k combined, and additional +1% on first $30k combined from age 55.

Contribution & Allocation Tables

Age	Employee	Employer	Total

Age	OA	SA / RA	MA

Disclaimer: This calculator is provided by The Weekend Investor for informational and educational purposes only and does not constitute financial or investment advice. While every effort is made to ensure the accuracy of this model, assumptions are used, and inaccuracies or calculation errors may occur. We are not liable for any financial decisions, losses, or damages arising from the use of this tool. This calculator is an independent project and is not affiliated with, endorsed by, or approved by the Central Provident Fund (CPF) Board. Projections assume current CPF rules, including the 2025 policy closing the Special Account for members age 55 and above. For official statements, accurate account balances, and personalized guidance, please always refer to the official CPF Board Website.