CPF Projection Calculator

How the CPF Projection Calculator works

Every month, your CPF contributions (from both you and your employer) are split across your Ordinary Account (OA), Special Account (SA), and MediSave Account (MA). This calculator applies the same age-banded allocation percentages that CPF Board uses, so the mix of your projected balances shifts automatically as you age — you don't need to re-enter anything.

Allocation changes by age band

Below age 35, 37% of wages are contributed in total, split roughly 23% to OA, 6% to SA, and 8% to MA. As you move through your 40s and into your early 50s, CPF Board gradually redirects a larger share toward SA and MA and a smaller share toward OA. By the band ending at age 55, the split has shifted to 15% OA, 11.5% SA, and 10.5% MA. After age 55, the total contribution rate itself starts stepping down — for example, the band up to age 60 contributes just 34% of wages in total, with 12% to OA and 15.5% to the Retirement Account. This calculator applies each band automatically for every year of your projection.

The Ordinary Wage ceiling

CPF contributions only apply to Ordinary Wages up to a monthly ceiling, currently $8,000. Any monthly wage above this ceiling doesn't attract further CPF contributions (Additional Wages such as bonuses are subject to a separate annual ceiling). This calculator caps your monthly wage input at the ceiling before applying the allocation rates above.

What happens at age 55

When you turn 55, CPF Board forms a Retirement Account (RA) and transfers savings into it from your Special Account first, then your Ordinary Account if needed, up to the prevailing Full Retirement Sum — currently $220,400. Any SA or OA balance beyond that requirement stays in OA and keeps earning OA interest, while your RA balance forms the basis for your future CPF LIFE payouts. This calculator models that transfer and switches your projection from tracking an SA balance to tracking an RA balance from age 55 onward.

Extra interest tiers

On top of the base interest rates — 2.5% on OA and 4% on both SA and MA — CPF Board pays an extra 1% on the first $60,000 of your combined balances (with at most $20,000 of that coming from OA, before age 55). From age 55, this calculator applies an enhanced tier: an extra 1% on the first $30,000 and a further 1% on the next $30,000 of combined balances, with no cap on how much OA can count toward that tier.

This tool provides educational estimates only, not official CPF Board guidance or licensed financial advice. It simplifies some CPF mechanics — including the exact extra-interest crediting order, MediSave Contribution Ceiling spillovers, and future changes to allocation rates or the Full Retirement Sum. Always confirm your actual CPF balances and projections on the CPF Board website or via the CPF mobile app.