Savings & rates

Singapore Portfolio Growth & Risk Simulator

Run a user-directed portfolio simulation through Cash, SRS and CPF-OA using identical market paths, then compare target probability, fees, tax effects, lock-ups and the CPF-OA interest alternative.

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

Live simulator

Runs 5,000 reproducible monthly simulations across Cash, SRS and CPF-OA using your own market assumptions.

Build your portfolio scenario

Enter one investment plan, then compare how account rules, tax and fees change the range of outcomes.

IRAS + CPF Board · verified 25 Aug 2026

Goal and investment plan

Current age*

Target age*

Portfolio target*

Target value basisA today-value target is increased by your inflation assumption before target probabilities are calculated.Initial lump sum*

Monthly contribution*

Annual contribution growth

Monthly contributions are invested at month end.

Your portfolio assumptions

These inputs are not interest.sg forecasts or recommendations. Use assumptions you understand and are willing to test.

Expected nominal gross return*

Annual volatility*

Inflation

Annual fund fee

Simulation seed*

The same seed reproduces the same market paths when reopening a saved report.

Comparison basis

Equal amount investedCash, SRS and CPF-OA start from the same entered contribution before account limits.Equal disposable cash costCash and SRS use the same net cash budget; SRS is grossed up by its estimated tax saving. CPF remains an equal-investment benchmark.

Advanced fees and tax drag

Cash account

Annual platform fee

Estimated annual foreign withholding drag

Fixed fee per contribution

Exit or sale fee at target

SRS account

Annual SRS platform fee

Fixed fee per SRS investment

Withdrawal fee at target

CPFIS-OA account

Annual CPFIS platform fee

Fixed fee per CPFIS investment

Quarterly custody fee

Sale fee at target

SRS tax and withdrawal assumptions

SRS contribution-cap statusSRS already contributed this year

Assessable income before personal reliefs*

Other personal reliefs excluding SRS

Known tax rebates or credits

Prescribed SRS retirement ageUse the retirement age that applied when you made your first SRS contribution. Existing accounts may use 62 or 63; newer accounts may use 64.Qualifying withdrawal periodOther annual taxable retirement income

Reinvest each estimated SRS tax saving into a cash sidecarUsed only for equal-investment comparisons. Equal-cash mode already uses the saving to fund the SRS gross-up.I confirmed the modelled SRS contributions are eligible and within my real operator arrangements.Estimate qualifying withdrawals using current Singapore resident tax bands.If not confirmed, the simulator shows SRS account value but does not label it after-tax spendable value.

CPFIS-OA assumptions

Current OA balance*

CPFIS amount confirmed available*

Check My CPF or the CPF mobile app. The simulator also checks the protected S$20,000 OA amount; product limits may reduce availability further.CPF Investment Account agent bankOfficial OA benchmark rate2.5% p.a.Checking the CPF Data API… · 2026-07-01

I confirmed CPFIS eligibility, available funds and that the intended investment is CPFIS-approved.

⌁ Calculated in your browser. Inputs leave your device only if you save or export.

Clear outputs

What this tool will show

Each result stays connected to the inputs and rules used.

0110th, median and 90th percentile values
02Probability the selected target is reached
03Cash, SRS and CPF-OA account comparison
04SRS tax saving and illustrative withdrawal tax
05CPFIS result versus leaving funds in OA

Transparency standard

The workings stay visible from day one.

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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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Singapore Portfolio Growth & Risk Simulator

Build your portfolio scenario

Cash account

SRS account

CPFIS-OA account

What this tool will show

The workings stay visible from day one.

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