CPF planner

The CPF page projects how your Ordinary, Special, MediSave, and Retirement accounts (OA, SA, MA, RA) may grow from today until the month you turn 71 — salary contributions, bonuses, an optional housing-loan deduction, the age-55 Retirement Account, and yearly interest, all in one table you can edit. It is public — anyone can run a projection — but signing in lets you save your plan and come back to it later.

Step one — your CPF today

Enter your date of birth and the month your balances are as of, then your OA, MA, and salary. Persfina works out whether you already have a Retirement Account: if the balances-as-of date puts you past the month after your 55th birthday, the Special Account field is replaced with a Retirement Account field, because CPF closes the SA at 55 and moves it into the RA. If you are not there yet, you enter your Special Account balance instead and Persfina projects the SA-to-RA transfer for you at the right month.

If you are repaying an HDB loan from your Ordinary Account, tick the housing-loan box and fill in all three fields together: the full outstanding loan (not just your share), your share of the monthly instalment as a percentage, and the amount actually deducted from your OA each month. Leave all three blank if this doesn't apply to you.

Press Project my CPF to calculate. Nothing is saved until you choose to save it.

Step two — reading your projection

The table opens with one row per year, from your as-of month to the year you turn 71: money in for each account, money out for the housing deduction, and the balances at year-end. Click a year to expand it into its months — you can have several years open at once, which makes it easy to compare, say, the year of a raise against the year before it.

A few things to look out for in the monthly detail:

• January rows carry a distinct, muted line above the month showing the interest credited from the year before — CPF pays interest once a year, on 1 January, on the balance each account held over the previous twelve months, not month by month as it's earned. The final month of your projection shows the same kind of line for interest accrued but not yet credited.
• Notes in the right-hand column flag the events that change how your contributions are split: your Retirement Account being created, your MediSave Account hitting its cap (the extra overflows to your SA or RA), your loan being paid off, or a month where your OA didn't have enough to cover the loan deduction in full.

Editing a single month

Click any salary or bonus figure in the monthly table to edit it. Type the new amount and press the checkmark (or Enter) to accept, or the cross (or Esc) to cancel — nothing changes until you explicitly accept it. A small dot next to a salary figure marks a month you've edited by hand.

An edited salary applies to that month only — it does not carry forward. If you want a raise to apply from a given month onwards, use the bulk-edit panel below the table instead.

Adjusting in bulk

Above the monthly detail, the bulk-edit panel offers three shortcuts so you don't have to click through months one at a time:

• Raise from a month onwards — set a new monthly salary that applies from the month and year you choose onwards, until a later raise or a single-month edit overrides it.
• Set salary across a range — set a salary for every month between a start and an end month (up to 120 months), leaving everything outside that range untouched.
• Add a recurring bonus — add the same bonus amount in the same month every year of your projection, for example a December bonus each year.

Each action has its own Apply button and takes effect immediately — the projection above recalculates as soon as you apply it.

Saving your plan

Signed out, your inputs and any edits are kept in your own browser only, so they survive a reload but not a switch to another device. A free Persfina account lets you press Save my plan, which stores your inputs in your account stamped with the date they were saved — reloading a signed-in session always restores your saved plan from Persfina rather than anything left in your browser.

Good to know

This is a projection, not a promise. CPF contribution and allocation rates, the retirement sum, and the MediSave cap all change from time to time, and this planner works from the rates in force when it was built — it does not know about future Budget announcements. Interest is modelled as accruing monthly and compounding once a year, which is close to but not identical to how CPF actually credits it, and future retirement-sum and MediSave-cap figures beyond the latest published values are projected forward, not announced. The full list of assumptions — and a reminder that none of this is financial, investment, tax, or legal advice — sits in the "Assumptions behind this projection" panel at the bottom of the page. Verify anything you rely on against the CPF Board and HDB's official sources before making a decision.