CPF & retirement

$1M by 65 CPF Calculator

Project CPF balances using current balances, contributions and official CPF interest settings—without equity or fund-return assumptions.

✓ Results shown free✓ Dated source references✓ General information only

Live calculator

CPF-only projection using official interest, extra-interest and account-allocation rules. Rules verified 21 Aug 2026.

Your CPF path to age 65

Enter balances and contribution assumptions. Every long-term policy assumption remains visible and editable.

CPF Board · verified 21 Aug 2026

Current CPF position

Balance month*Current age — years*

Use completed years and months; the projection stops at age 65.Additional months*

Ordinary Account (OA)*

Special Account (SA)*

RA should be zero before age 55.MediSave Account (MA)*

Expected CPF contributions

Enter total employee + employer CPF—not salary. Automatic mode allocates it using official 2026/2027 tables.

Automatic official allocationApply official age-based allocation ratios and total contribution-rate changes.Manual account contributionsEnter monthly OA, SA/RA and MA contributions directly for a custom path.

Current total monthly CPF contribution*

Monthly contribution above 55 to 60

Optional 2027-and-later override. Leave blank to derive it from your current contribution and official total rates.Monthly contribution above 60 to 65

Optional 2027-and-later override. Leave blank to derive it from your current contribution and official total rates.

Annual contribution growth

Applied once every 12 projection months from the balance month.

Planned CPF use and top-ups

Optional flows let the projection reflect recurring housing use, medical use and retirement top-ups.

Monthly OA use

Annual MA use

Annual SA / RA top-up

Annual top-ups are modelled in January and are not salary contributions.

Advanced CPF assumptions

Current CPF rates are held constant as a scenario. Future FRS and BHS values are estimates, not official forecasts.

OA base interest rate

SA / MA / RA base interest rate

Future FRS annual growth

Future BHS annual growth

FRS at age 55 override

Optional. Leave blank to use the official cohort value or projected future FRS.

CPF-only target

The S$1 million target is nominal and includes credited OA + SA/RA + MA balances only. CPFIS investments, cash, property and all non-CPF investments are excluded.

⌁ Calculated in your browser. Inputs are sent only when you choose to save or export.

Clear outputs

What this tool will show

Each result stays connected to the inputs and rules used.

01Projected age at SGD 1 million
02Balance projection
03Contribution and interest breakdown
04Gap analysis

Transparency standard

The workings stay visible from day one.

✓

Official rules

Applied parameters include a source and verification date.

✓

Assumptions

User inputs and defaults are clearly separated.

✓

Limits

Scope and exclusions appear beside the result.

Read the full methodology→

interest.sg provides general information, dated reference data and calculation tools. Results are estimates—not financial, investment, legal, tax, property, valuation, CPF, HDB, lending, insurance or protection advice. Verify material decisions with the relevant authority or a qualified professional.

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$1M by 65 CPF Calculator

Your CPF path to age 65

What this tool will show

The workings stay visible from day one.

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