CPF Calculator
See what your CPF could be at 55 and 65 — contributions, interest and CPF LIFE payouts.
Estimated CPF LIFE payout from 65
S$0/mo
Set your details below to see what your CPF could look like.
Inputs
Start with where you are
We project to age 65. If you are already 65 or older, we show today instead.
Before employee CPF. Bonuses are not included.
Use your latest balances. Enter 0 if you are starting fresh.
A small planning assumption you can change.
Projection
Your CPF projection
When you turn 55
S$0
When you turn 65
S$0
How this estimate works
- Uses CPF contribution and allocation rates effective from 1 January 2026. The same rates are held constant for this projection.
- Salary grows by your chosen rate. The S$8,000 monthly Ordinary Wage ceiling and S$37,740 annual contribution limit are held constant, which is a conservative assumption for future years.
- OA earns 2.5% yearly. SA, MediSave and RA earn 4% yearly, with CPF extra interest applied to the first S$60,000 of combined balances.
- The 2026 Basic Healthcare Sum of S$79,000 is held constant. MediSave contributions above it flow to SA before 55 or RA from 55.
- At 55, SA closes. OA and SA are moved to RA up to the Full Retirement Sum. Later Full Retirement Sums are estimated to rise 3.5% each year.
- The payout is estimated by interpolating the CPF Board's official 2026 cohort Standard Plan examples. Actual payouts depend on the rules and plan in force when you join CPF LIFE.
Sources: CPF Board contribution rates, allocation rates, interest rates, CPF LIFE payout examples, retirement sums and Basic Healthcare Sum. Figures verified September 2026.
Estimates are for planning only and are not financial advice. CPF rules and payout terms can change.
How the projection works
Each year to age 65, contributions are computed from your salary using the CPF contribution and allocation rates effective 1 January 2026 — employer and employee shares both included — and held constant for the whole projection. Your salary grows at the yearly rate you set, capped by the S$8,000 monthly Ordinary Wage ceiling and the S$37,740 annual contribution limit.
Balances earn interest yearly: 2.5% on the Ordinary Account and 4% on Special and MediSave, plus extra interest on the first S$60,000 of combined balances.
At 55, your Special Account closes and savings move into a Retirement Account up to the Full Retirement Sum, funding CPF LIFE payouts from 65. The payout is interpolated from the CPF Board’s official 2026 examples.
Common questions
What interest does CPF pay?
Ordinary Account savings earn 2.5% a year; Special, MediSave and Retirement Account savings earn 4%, with extra interest on the first S$60,000 of combined balances.
What happens to my CPF at 55?
Your Special Account closes and savings move into a Retirement Account up to the Full Retirement Sum, which funds your CPF LIFE payouts from 65.
How accurate is this projection?
It is an estimate: contribution rates, the wage ceiling and retirement sums are held at 2026 levels, and the CPF LIFE payout is interpolated from the CPF Board’s official 2026 examples. Actual rules may change.
Why are 2026 rates held constant for the whole projection?
Contribution rates, the wage ceiling and retirement sums all change over time, but future changes cannot be known. Holding 2026 levels constant is a deliberate simplification — and a conservative one, since ceilings and sums tend to rise.
Does this include my employer's CPF contributions?
Yes. The projection applies the full 2026 contribution rates to your salary, which cover both the employer and employee shares, allocated across OA, SA and MediSave by age.