mengira / calculatorsSEA Regional Suite

Choose your country

🇲🇾MalaysiaMYR🇸🇬SingaporeSGD🇮🇩IndonesiaIDR🇵🇭PhilippinesPHP🇹🇭ThailandTHB
Overview
Loans
HDB Mortgage / Refinance
Retirement
CPF OA & SA Savings
CPF Savings & Interest Accumulation. Project OA (2.5%) and SA (4.0%) growth with monthly CPF contributions. Interactive Mengira financial calculator with deterministic math: inputs are processed client-side, results update reactively, formulas documented in the on-page explainer.
← Singapore

CPF Savings & Interest Accumulation

Project OA (2.5%) and SA (4.0%) growth with monthly CPF contributions.

S$ 6,000
62%

Remainder splits to SA / MA. Default mirrors under-35 allocation.

S$ 20,000
S$ 10,000
20 yrs

Total CPF balance projected

S$ 792,620

After 20 years across OA + SA

Ordinary Account (2.5%)

S$ 460,983

Special Account (4.0%)

S$ 331,637

Monthly OA contribution

S$ 1,376

Monthly SA contribution

S$ 844

Sponsor

Featured offer

Compare curated financial products matched to your calculator results.

Explore →

Next steps

Recommendations
Refinance HDB
Lock in lower SORA-pegged rates.
RSTU top-up
Boost SA to hit Full Retirement Sum.
Top-up SA
Diversify with SRS
Stack SRS tax relief on top of CPF.

How the math works

CPF contributions split into OA (2.5% p.a.) and SA (4.0% p.a.). Each account compounds monthly.

  1. 01

    Monthly CPF contribution

    Total = Salary × 37% (20% employee + 17% employer, under-55)
  2. 02

    Future value per account

    FV = P × (1 + r)^n + M × [((1 + r)^n − 1)/r]

    r = annual / 12, n = years × 12

Estimator only. Excludes Medisave, wage ceilings, allocation changes by age, and Extra Interest tiers.