What does this CPF calculator do?

This calculator helps you estimate your CPF interest earnings for 2025-2026. It calculates monthly interest on your OA (Ordinary Account), SA/RA (Special Account/Retirement Account), and MA (Medisave Account) based on your age, contribution rates, and starting balances.

What interest rates does CPF offer?

OA earns 2.5% annual interest. SA/RA and MA earn 4% annual interest. Members aged 55 and above may also qualify for extra interest on their savings.

How are CPF contributions allocated?

CPF contributions are allocated differently depending on your age. Younger members get more allocation to OA, while older members get more allocation to SA/RA and MA. This calculator automatically adjusts allocations based on your birth month and year.

CPF Interest Calculator

Calculate your expected CPF interest for the year

Birth Month

Birth Year

Calculated Age (as of 1 Jan)

OA Starting Balance (as of 1 Jan)

SA/RA Starting Balance (as of 1 Jan)

MA Starting Balance (as of 1 Jan)

Calculation Year

Base Monthly Contribution

Contribution Rate Source

Total Cash Contributions this year

Employee Contribution

Employer Contribution

Default Monthly Allocation

Source

SA/RA

⚠️ Total contributions exceed $37,740 yearly limit

OA Interest

SA Interest

MA Interest

Total Interest

Monthly Breakdown

Month	OA Contrib	SA Contrib	MA Contrib	OA Interest	SA Interest	MA Interest

Totals
Ending Balance

Year-End Summary

Ending OA Balance

Ending SA Balance

Ending MA Balance

Total CPF Balance