Plan For RetirementStep 1 of 4Next: How Much Will CPF LIFE Pay Me Each Month?
How Much Will My CPF Grow By 55?
CPF Projection Calculator
Enter your age, salary and CPF balances. See your estimated OA, SA and MA balances at 55, or at an age you choose, and compare OA plus SA with a retirement-sum benchmark.
2026 retirement sums: BRS S$110,200, FRS S$220,400 and ERS S$440,800. See the table and CPF interest rates.
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2 Your Result
By 55, your OA and SA could hold about
3 What Next
Let’s check the next piece together.
What This Estimate Assumes
Rough estimate only. A simple projection to 55 for full-rate employees (salary zero or at least S$750). It does not use graduated PR rates. It keeps 2026 allocation rates and the S$8,000 monthly salary ceiling fixed. Salary stays flat, with no bonuses. Each model month earns interest before new contributions, and your yearly SA top-up is split into equal monthly amounts. Interest is added once per 12-month model year, not on your real calendar or birthday cycle. OA housing payments come out before contributions. Any shortfall shows as total cash needed, not debt. OA earns 2.5% and SA/MA 4%. The extra 1% on the first S$60,000 combined (OA capped at S$20,000) all goes to SA, as a simplification. Caps MediSave at the 2026 Basic Healthcare Sum (BHS) of S$79,000, held flat, and moves the excess to SA up to the 2026 FRS, then to OA. Leaves out medical withdrawals, top-up limits and age-55 RA transfers. You choose your target at 55: the default S$220,400 is the 2026 FRS only, not a forecast for your cohort. Check CPF rules before acting.
CPF Retirement Sums 2026: BRS, FRS And ERS
If you turn 55 in 2026, the Full Retirement Sum (FRS) is S$220,400, the Basic Retirement Sum (BRS) S$110,200 and the Enhanced Retirement Sum (ERS) S$440,800.
| If You Turn 55 In | BRS | FRS | ERS |
|---|---|---|---|
| 2025 | S$106,500 | S$213,000 | S$426,000 |
| 2026 | S$110,200 | S$220,400 | S$440,800 |
| 2027 | S$114,100 | S$228,200 | S$456,400 |
The sum that applies to you is set by the year you turn 55. The FRS is twice the BRS, and the ERS is twice the FRS. This calculator compares your projection with the benchmark you choose; it does not decide what you must set aside.
Source: CPF Board — CPF retirement sums (opens in new tab), checked 19 Oct 2026.
CPF Interest Rates: October To December 2026
From 1 October to 31 December 2026, the Ordinary Account earns 2.5% and the Special, MediSave and Retirement Accounts earn 4% a year, plus extra interest on your first S$60,000.
| Account | Interest Rate |
|---|---|
| Ordinary Account (OA) | 2.5% a year |
| Special Account (SA) | 4% a year |
| MediSave Account (MA) | 4% a year |
| Retirement Account (RA) | 4% a year |
| Extra interest, below 55 | +1% on the first S$60,000 |
| Extra interest, 55 and above | +2% on the first S$30,000; +1% on the next S$30,000 |
Extra interest counts your combined balances, with no more than S$20,000 from the Ordinary Account. Extra interest earned on Ordinary Account money goes to your Special or Retirement Account. CPF Board reviews the rates every quarter; the 4% floor runs to 31 December 2027.
Source: CPF Board — earning CPF interest (opens in new tab); CPF Board — how much extra interest can I earn (opens in new tab), checked 19 Oct 2026.
Before You Use This Number
Do I Need An Account To Use This Tool?
No. The tool works in your browser with no account. If you copy a result link, it includes the numbers you entered.
What Does This Estimate Assume?
Simplified pre-55 projection for full-rate employees (salary zero or at least S$750); not graduated PR rates. Holds 2026 allocation rates and S$8,000 monthly ceiling constant. Flat salary, no bonuses. Model months accrue interest before new contributions and equal monthly instalments of the annual SA top-up; interest is added once per 12-month model year, not your actual calendar/birthday cycle. OA housing is deducted before contributions; any uncovered amount is shown as cumulative cash needed, not debt. OA 2.5%, SA/MA 4%; extra 1% on first S$60,000 combined (OA capped S$20,000), all extra credited to SA as a simplification. MA capped at the 2026 BHS of S$79,000 (held flat), excess to SA up to the 2026 FRS, then OA. No medical withdrawals, top-up eligibility limits or age-55 RA transfers. Enter your own age-55 benchmark: default S$220,400 is the 2026 FRS only, not a forecast for your cohort. Check CPF rules before acting.