CPF Annual Interest Estimator (2026)
See exactly how much CPF interest you will earn this calendar year — month by month — and your projected 31 December lump-sum credit.
What is the CPF Annual Interest Estimator?
Unlike the static CPF Interest Calculator, this estimator projects your interest accrual month by month from January to December. It shows how much has already accrued, how much is still to come, and your projected year-end balance when the December credit lands — useful for planning voluntary top-ups before 31 December.
Quick Answer
Your CPF Balances (2026)
infoCPF interest is computed monthly on your lowest balance, then credited as a lump sum on 31 December each year. Balances and contributions are assumed constant.
Projected year-end interest (2026)
S$3,850.00
Effective rate: 3.85%
Already earned
S$320.83
Jan–Jan
Still to accrue
S$3,529.17
Feb–Dec
Monthly accrual
Projected year-end balances
Top up S$5,000 to SA now
Earn an extra S$200.00/yr in CPF interest + save ~S$575 in income tax (RSTU relief)
Disclaimer
This calculator provides estimates and should not be viewed as a prediction. Actual CPF contributions, allocations, and payouts may vary due to policy changes, individual circumstances, and rounding rules. It is not intended to be your sole source of financial guidance.
Rates last verified: 30 May 2026.
Verify with CPF Board (https://www.cpf.gov.sg). Full disclaimer at smartcalculator.sg/disclaimer.
Quick Reference — 2026 CPF Interest Rates
- OA: 2.5% p.a. base — first $20,000 earns 3.5% (extra 1%)
- SA / MA / RA: 4.0% p.a. base — qualifying portion earns 5.0% (extra 1%)
- Extra 1%: Applies to first $60,000 combined (OA capped at $20,000). Order: RA → SA → MA → OA
- Age 55+ bonus: Additional 1% on first $30,000 combined — up to 6.0% effective on RA/SA/MA
- Crediting date: 31 December annually. Interest is computed monthly, paid once.
How CPF interest accrual works
Every month, CPF calculates interest on the lowest balance in each account during that month. This monthly interest accumulates throughout the year but is not immediately added to your account — it sits as accrued interest and is credited as a single lump sum on 31 December.
This means the timing of deposits matters. If you make a voluntary top-up in January, it earns interest for all 12 months. A top-up in November earns interest for only 2 months before the December credit. The estimator above shows this month-by-month picture so you can see the compounding effect clearly.
The extra 1% interest — on the first $60,000 of combined balances — is distributed across accounts in a fixed priority order: RA first, then SA, then MA, then OA (capped at $20,000). For members aged 55 and above, a further 1% applies to the first $30,000, following the same priority order.
Planning tip: Because the December credit compounds into your balance for the next year, larger balances earlier in the year create a compounding snowball. Even a $5,000 top-up to SA or MA in January earns roughly $200–$250 more per year — and that increases each subsequent year as the base grows.
Monthly accrual
Interest accumulates every month based on your lowest balance that month. No mid-year credits — just a growing accrual total.
31 December credit
All 12 months of accrued interest are credited as one lump sum on the last day of the year. The balance then forms your new base for next year's compounding.
Top-up earlier = more interest
A $5,000 SA top-up in January earns 12 months of accrual before December. The same top-up in November earns only 2 months. Every month earlier is extra compounding.
Frequently Asked Questions
When does CPF credit my interest?expand_more
CPF interest is computed monthly based on the lowest balance in each account during that month, but it is only credited once a year — on 31 December. This means all 12 months of accrued interest appear in your account as a single lump sum at year-end. If you plan to make a voluntary top-up, doing it earlier in the year means more months of interest accrual before the December credit.
What interest rate does the CPF Ordinary Account pay?expand_more
The Ordinary Account (OA) earns a guaranteed minimum of 2.5% per annum. On top of that, the first $20,000 in your OA qualifies for an extra 1% interest (part of the overall first-$60,000 extra interest scheme), bringing the effective rate on that portion to 3.5%. The extra interest on OA is credited to your Special Account (or Retirement Account if you are 55 or above) rather than the OA itself.
Why do I earn more than 2.5% on my Ordinary Account?expand_more
CPF offers an extra 1% interest on the first $60,000 of combined CPF balances, with the OA portion capped at $20,000. So if your OA holds $20,000 or more, that first $20,000 earns 3.5% instead of 2.5%. The remaining $40,000 of the $60,000 cap is filled from SA, MA, and RA (in that order), each earning 5% on the qualifying portion. This scheme is designed to boost the retirement savings of members with smaller balances.
Should I top up my MediSave to earn more CPF interest?expand_more
Yes, if you are below the Basic Healthcare Sum (BHS — $79,000 for 2026). MediSave earns 4% per annum (potentially 5% on the first $60,000 combined balance portion), and voluntary top-ups up to the BHS qualify for tax relief of up to $8,000 per year under the Retirement Sum Topping-Up (RSTU) scheme. Topping up MediSave earlier in the year maximises the months of interest accrual before the 31 December credit. If you are 55 or above, the first $30,000 of combined balances earns an additional 1% (up to 6% effective), making the return even more attractive.
What is the CPF interest rate for SA and MA in 2026?expand_more
Both the Special Account (SA) and MediSave Account (MA) earn a guaranteed minimum of 4.0% per annum in 2026. With the extra 1% on the first $60,000 of combined balances (where OA is capped at $20,000), qualifying SA and MA balances effectively earn 5.0%. For members aged 55 and above, the first $30,000 of combined balances earns an additional 1% (so up to 6.0% on qualifying SA/MA/RA). These rates are set by the Singapore government and guaranteed as floor rates — actual rates can only go higher, never lower.
Sources
- • CPF Board (cpf.gov.sg) — Interest rates for OA, SA, MA, RA; extra interest rules; crediting schedule
- • CPF Board — Retirement Sum Topping-Up (RSTU) scheme tax relief limits (2026)
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