CPF Allocation & Interest Calculator
See how a CPF contribution splits into Ordinary, Special and MediSave accounts by age, and project balances with 2.5% OA and 4% SA/MA interest plus the extra 1% on the first $60,000.
How it works
Age ≤35: OA 23 / SA 6 / MA 8 of the 37% total → 62.17% / 16.21% / 21.62%. Interest: OA 2.5%, SA/MA 4%, extra 1% on first $60,000 credited to SA
CPF contributions are not one pot: each dollar is divided between the Ordinary Account (housing, insurance, investment), the Special Account (retirement) and MediSave (healthcare), with the mix shifting toward SA and MediSave as you age. The accounts earn different floor rates — 2.5% on OA and 4% on SA and MediSave — and the first $60,000 of combined balances (up to $20,000 from OA) earns an extra 1%, paid into the SA. MediSave is capped at the Basic Healthcare Sum ($75,500 in 2025); once you reach it, the MediSave share overflows into the SA. This projection compounds monthly and ignores housing withdrawals and salary growth.
Worked example
Age 30 with $40,000 OA, $20,000 SA, $15,000 MA and $2,035 a month: about $1,265 goes to OA, $330 to SA and $440 to MediSave monthly; after ten years the three accounts total roughly $397,000.
Frequently asked questions
What happens to the Special Account at 55?
It closes. Savings up to the Full Retirement Sum move to a new Retirement Account earning 4%; the rest goes to OA. From 2025 the extra 1% for members 55+ is 2% on the first $30,000.
Can I earn more on my OA?
You can transfer OA to SA for the higher 4% (irreversible) or invest OA above $20,000 under CPFIS; the extra-interest rule already treats the first $20,000 of OA favourably.
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Uses 2025 CPF rates (Ordinary Wage ceiling $7,400 a month) and Year of Assessment 2025 resident tax rates. CPF Board and IRAS revise rates and ceilings regularly — check cpf.gov.sg / iras.gov.sg. Educational estimate, not tax advice.