Retire ComfortablyStep 1 of 4Next: How Much Will CPF LIFE Pay Me Each Month?
How Much Will My CPF Grow By 55?
CPF Projection Calculator
Enter your age, salary and CPF balances. See your estimated OA, SA and MA balances at 55, or at an age you choose, and compare OA plus SA with a retirement-sum benchmark.
New to this? Read The Short Guide First →
2 Your Result
By 55, your OA and SA could hold about
A result link includes the numbers you entered. Only share it with people you trust.
What This Estimate Assumes
Rough estimate only. A simple projection to 55 for full-rate employees (salary zero or at least S$750). It does not use graduated PR rates. It keeps 2026 allocation rates and the S$8,000 monthly salary ceiling fixed. Salary stays flat, with no bonuses. Each model month earns interest before new contributions, and your yearly SA top-up is split into equal monthly amounts. Interest is added once per 12-month model year, not on your real calendar or birthday cycle. OA housing payments come out before contributions. Any shortfall shows as total cash needed, not debt. OA earns 2.5% and SA/MA 4%. The extra 1% on the first S$60,000 combined (OA capped at S$20,000) all goes to SA, as a simplification. Caps MediSave at the 2026 Basic Healthcare Sum (BHS) of S$79,000, held flat, and moves the excess to SA up to the 2026 FRS, then to OA. Leaves out medical withdrawals, top-up limits and age-55 RA transfers. You choose your target at 55: the default S$220,400 is the 2026 FRS only, not a forecast for your cohort. Check CPF rules before acting.
3 What Next
How Much Will CPF LIFE Pay Me Each Month?Read The GuideHow Much CPF Will I Have At 55? →Before You Use This Number
Do I Need An Account To Use This Tool?
No. The tool works in your browser with no account. If you copy a result link, it includes the numbers you entered.
What Does This Estimate Assume?
Simplified pre-55 projection for full-rate employees (salary zero or at least S$750); not graduated PR rates. Holds 2026 allocation rates and S$8,000 monthly ceiling constant. Flat salary, no bonuses. Model months accrue interest before new contributions and equal monthly instalments of the annual SA top-up; interest is added once per 12-month model year, not your actual calendar/birthday cycle. OA housing is deducted before contributions; any uncovered amount is shown as cumulative cash needed, not debt. OA 2.5%, SA/MA 4%; extra 1% on first S$60,000 combined (OA capped S$20,000), all extra credited to SA as a simplification. MA capped at the 2026 BHS of S$79,000 (held flat), excess to SA up to the 2026 FRS, then OA. No medical withdrawals, top-up eligibility limits or age-55 RA transfers. Enter your own age-55 benchmark: default S$220,400 is the 2026 FRS only, not a forecast for your cohort. Check CPF rules before acting.