CPF Interest Calculator (2026)

The Ordinary Account (OA) earns a minimum of 2.5% per annum. The Special Account (SA), MediSave Account (MA), and Retirement Account (RA) each earn a minimum of 4.0% per annum. These are the guaranteed floor rates set by the government — actual rates may be higher based on market conditions.

CPF members earn an additional 1% interest on the first $60,000 of their combined CPF balances (with an OA cap of $20,000). This means the first $20,000 in your OA earns 3.5% instead of 2.5%, and the first $60,000 across SA, MA, and RA earns 5.0% instead of 4.0%. The extra interest is credited to your SA or RA.

Yes, CPF members aged 55 and above earn an additional 1% extra interest on the first $30,000 of their combined CPF balances (with an OA cap of $20,000). Combined with the standard extra interest, this means members 55+ can earn up to 6.0% on their SA/MA/RA balances for the first $30,000.

Yes, CPF interest is computed monthly and compounded annually. Interest earned each month is added to your account balance at the end of the year. This means you earn interest on your interest over time, which significantly boosts your long-term CPF savings.

CPF interest is computed monthly based on the lowest balance in each account during the month. The accumulated monthly interest for the year is then credited to your accounts at the end of December each year. Extra interest is credited to your SA (if below 55) or RA (if 55 and above).

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 1 January of the following year. This means if you withdraw funds in December, you still earn 11 months of interest on those funds. However, it also means that contributions made late in the month may earn less interest for that month. From a planning perspective, making voluntary top-ups earlier in the year maximises interest earned.

Yes, through the extra interest scheme. The first $60,000 of combined CPF balances (capped at $20,000 from OA) earns an extra 1% per year — effectively giving your SA and MediSave a 5% return on this portion. For members aged 55 and above, the first $30,000 of combined balances earns an extra 2% (total of up to 6% on the RA). These extra interest rates are guaranteed by the government, making CPF one of the highest risk-free returns available in Singapore.

The CPF Ordinary Account (OA) earns 2.5% per annum as a guaranteed floor rate, while the Special Account (SA) and MediSave Account (MA) earn 4.0% per annum. The higher rate on SA and MA reflects their purpose as long-term retirement and healthcare savings — funds in these accounts are less accessible, so CPF Board compensates with a better return. With the extra 1% interest on the first $60,000 of combined balances, the effective rate on qualifying SA balances can reach 5.0%, and up to 6.0% for members aged 55 and above. The SA was closed to new members aged 55 and above from January 2025, with those balances transferred to the Retirement Account (RA), which earns the same 4.0% floor rate.

Yes — MediSave Account (MA) savings continue to earn the standard 4.0% per annum interest even if your balance exceeds the Basic Healthcare Sum (BHS), which is $75,500 for 2025. However, once your MA reaches the BHS, any additional CPF contributions that would ordinarily go to MediSave are redirected to your Special Account (or Retirement Account if you are aged 55 and above). The MA balance above the BHS still earns 4.0% interest and remains available for approved healthcare expenses under MediShield Life, Integrated Shield Plans, and hospitalisation costs. This makes MediSave a useful long-term healthcare savings buffer even for members with high balances.

CPF interest rates for Permanent Residents (PRs) are identical to those for Singapore Citizens — OA earns 2.5% per annum and SA, MA, and RA each earn 4.0% per annum, with the same extra 1% interest on the first $60,000 of combined balances. The key difference for PRs is not the interest rate but the contribution rate: first- and second-year PRs pay lower CPF contribution rates under the graduated scheme, so their balances grow more slowly in the early years. From the third year onwards, PR contribution rates match citizen rates. All interest earned on CPF accounts — regardless of citizenship status — is completely tax-free in Singapore.