Persfina

CPF planner

See how your CPF may grow

Project your Ordinary, Special, MediSave and Retirement accounts month by month to age 71 — with your salary contributions, bonuses, any housing deduction, the age-55 Retirement Account, and yearly interest. These are rough estimates, not advice.

Step one

Your CPF today

Tell us when you were born, your CPF balances as of a recent month, and your monthly salary. If you are servicing an HDB loan from your OA, add that too. Nothing is saved unless you choose to.

Date of birth
Balances as of

Step two

Your projection

Enter your details above and choose Project my CPF to see your year-by-year projection here.

Assumptions behind this projection

  • Contribution and allocation rates are as of 2026 — CPF rates change from time to time, and this projection does not know about future Budget changes.
  • Ordinary Wage ceiling S$8,000/month; Additional Wage (bonus) ceiling S$102,000/year minus Ordinary Wages already subject to CPF that year.
  • Interest accrues monthly at 2.5% p.a. (Ordinary Account) or 4% p.a. (Special, MediSave, Retirement Accounts) on the lower of each account's opening and closing balance for the month — an approximation of CPF's lowest-monthly-balance rule, so money credited in a month starts earning the next month and money withdrawn stops earning immediately. Extra interest on the first tiers of savings is ignored.
  • Interest is credited once a year, on 1 January, rather than month by month as it accrues — which is why balances climb gently through the year and then jump each January.
  • The Full Retirement Sum is projected forward at 3.5% a year beyond the last published figure, and the Basic Healthcare Sum at 4.5% a year beyond 2026 — both are assumptions, not announced figures.
  • The Basic Healthcare Sum is frozen at its value in the year you turn 65, matching CPF Board policy.
  • Rates used are the Singapore Citizen / Permanent Resident (3rd year and beyond) rates.
  • Your monthly wage is assumed to be above S$750, the threshold below which employee contributions are not required.
  • Your entered salary is assumed to have applied since January of your as-of year, for the purpose of seeding this year’s contribution ceiling.
  • Each month’s CPF contribution is credited before any housing-loan deduction is taken from your Ordinary Account.
  • The HDB concessionary housing loan rate is assumed constant at 2.6% p.a. for the life of the loan, rather than tracking the rate CPF Board actually sets each quarter.
  • Once your Retirement Account reaches its cohort Full Retirement Sum, further Retirement Account contributions are redirected to your Ordinary Account instead.
  • This projection does not model CPF LIFE payouts, voluntary top-ups, transfers between accounts or family members, or housing refunds.

Nothing in Persfina constitutes financial, investment, tax, or legal advice. The figures above are rough estimates meant to give you a general idea of how your CPF accounts may grow — verify anything you rely on against the CPF Board and HDB’s official sources before making a decision.

Frequently asked questions

How are CPF contributions calculated?

For employees aged 55 and below, 20% of ordinary wages comes from you and 17% from your employer, up to the monthly salary ceiling, with different rates at older ages. The planner applies the contribution and allocation rates for your age in every month of the projection.

What are the CPF interest rates?

The Ordinary Account earns a floor of 2.5% per year, and the Special, MediSave, and Retirement Accounts earn a floor of 4% per year. The exact rates and reference dates this projection uses are listed in the assumptions at the bottom of the page.

What happens to my CPF at age 55?

A Retirement Account is opened and savings are transferred into it, up to the Full Retirement Sum, to fund CPF LIFE payouts later. The projection models the Special-to-Retirement Account transfer in the month you turn 55.

What is the Basic Healthcare Sum?

The Basic Healthcare Sum is the cap on MediSave balances. Contributions that would push MediSave above it overflow into your other CPF accounts instead. The planner applies the cap in every month of the projection.

Does paying for housing with CPF affect my retirement savings?

A monthly housing deduction leaves your Ordinary Account before interest accrues, so a loan serviced with CPF grows your OA more slowly. Enter your monthly OA deduction to see the effect on your balances through age 71.