CPF Retirement Projection
Project your CPF Ordinary, Special and MediSave balances to age 55 and see how the combined total compares with the Full Retirement Sum.
Projection runs from this age to 55.
Capped at the $8,000 CPF Ordinary Wage ceiling. Default is the SingStat median.
Projected combined balance at 55
$1,141,035
In 25 years (OA + SA + MediSave)
OA at 55
$535,264
SA at 55
$296,609
MediSave at 55
$309,161
Total contributions
$641,025
Total interest earned
$445,010
Surplus vs FRS (OA + SA)
$618,873
OA + SA $831,873 vs FRS $213,000 — MediSave excluded
The Full Retirement Sum is met using OA + SA only — MediSave does not count toward the FRS.
Estimates only. Assumes a flat salary, full SC/SPR-3rd-year+ rates, no voluntary top-ups, withdrawals or property charges, and constant interest. Extra interest is approximated (+1% on the first $60,000 of combined balances, OA counted up to $20,000). Your actual CPF balances will differ.
| Age | OA | SA | MediSave | Combined |
|---|---|---|---|---|
| 30 | $20,000 | $20,000 | $15,000 | $55,000 |
| 31 | $36,840 | $25,723 | $21,365 | $83,928 |
| 32 | $54,100 | $31,674 | $27,985 | $113,760 |
| 33 | $71,792 | $37,864 | $34,870 | $144,526 |
| 34 | $89,926 | $44,301 | $42,030 | $176,258 |
| 35 | $108,514 | $50,996 | $49,477 | $208,987 |
| 36 | $127,567 | $57,958 | $57,221 | $242,746 |
| 37 | $145,676 | $65,919 | $65,995 | $277,590 |
| 38 | $164,238 | $74,199 | $75,120 | $313,557 |
| 39 | $183,264 | $82,809 | $84,611 | $350,684 |
| 40 | $202,766 | $91,764 | $94,480 | $389,011 |
| 41 | $222,756 | $101,078 | $104,745 | $428,578 |
| 42 | $243,245 | $110,763 | $115,420 | $469,428 |
| 43 | $264,246 | $120,837 | $126,522 | $511,605 |
| 44 | $285,773 | $131,313 | $138,068 | $555,154 |
| 45 | $307,838 | $142,208 | $150,076 | $600,122 |
| 46 | $330,454 | $153,539 | $162,565 | $646,557 |
| 47 | $352,214 | $166,046 | $176,273 | $694,532 |
| 48 | $374,517 | $179,053 | $190,529 | $744,099 |
| 49 | $397,379 | $192,580 | $205,355 | $795,314 |
| 50 | $420,812 | $206,649 | $220,775 | $848,235 |
| 51 | $444,830 | $221,280 | $236,811 | $902,922 |
| 52 | $466,609 | $239,019 | $253,849 | $959,477 |
| 53 | $488,931 | $257,468 | $271,568 | $1,017,967 |
| 54 | $511,812 | $276,655 | $289,996 | $1,078,463 |
| 55 | $535,264 | $296,609 | $309,161 | $1,141,035 |
Building your CPF savings to 55
Every month a slice of your salary — 37% in total for those aged 55 and below, made up of employer and employee shares — flows into your CPF accounts on wages up to the $8,000 Ordinary Wage ceiling. Younger members see most of it land in the Ordinary Account, while the share going to the Special Account rises as you approach 55. On top of contributions, CPF pays attractive risk-free interest: 2.5% on the OA and 4% on the SA and MediSave, with an extra 1% on your first $60,000 of combined balances. Compounded over decades, that interest does a lot of the heavy lifting.
Reaching the Full Retirement Sum
At 55 your OA and SA savings are combined into a Retirement Account, and CPF compares the amount set aside with the Basic, Full and Enhanced Retirement Sums. Hitting the Full Retirement Sum (currently $213,000) qualifies you for a higher CPF LIFE payout from 65. Use this projection to see whether you are on track, then explore voluntary top-ups, transferring OA savings to your SA, or our CPF LIFE payout estimator to plan the next step.
Frequently asked questions
How does this CPF projection work?
Starting from your current age, the calculator adds a full year of CPF contributions each year up to 55. Contributions are 37% of your monthly salary (employer + employee, on wages up to the $8,000 Ordinary Wage ceiling), split across your Ordinary, Special and MediSave accounts using the age-based allocation ratios. It then credits interest each year — 2.5% on the OA and 4% on the SA and MediSave — plus a simplified extra 1% on the first $60,000 of your combined balances.
What is the Full Retirement Sum (FRS)?
The Full Retirement Sum is the amount CPF expects you to set aside in your Retirement Account at 55 to receive a monthly payout for life under CPF LIFE. For the cohort turning 55 in 2025 it is $213,000 (twice the Basic Retirement Sum). At 55 your OA and SA are used to form your Retirement Account up to this sum. The FRS rises a little each year for later cohorts.
Why does my projected balance differ from CPF’s figures?
This is an estimate based on simplifying assumptions: a flat salary held constant to 55, full Singapore Citizen / 3rd-year-PR contribution rates, no voluntary top-ups or housing withdrawals, and unchanged interest rates. Real life includes pay rises, bonuses subject to the Additional Wage ceiling, property purchases and policy changes, so always check your actual balances in the CPF portal.
How is extra interest treated?
CPF pays an extra 1% a year on the first $60,000 of your combined balances if you are under 55, with the OA portion counted up to $20,000. This calculator applies that approximation and credits the extra interest to your Special Account, mirroring CPF’s rule. The result is a close estimate rather than an exact statement figure.