CPF Projection Simulator

📋 Personal Information

Date of Birth

Simulation Start Date

Can be any date, including mid-year

Simulation End Age

💰 Starting CPF Balances (S$)

Ordinary Account (OA)

Special Account (SA)

MediSave Account (MA)

💵 Salary & Growth

Monthly Salary (Ordinary Wage)

OW Ceiling (Monthly)

Bonus (Months)

Bonus Paid in Month

Annual Increment (%)

Increment Month

🚀 Promotions (Override Annual Increment)

How it works: When you add a promotion for a specific month, the annual increment for that year is skipped. The promotion percentage is applied to your current salary at that time.

Example: If annual increment is March at 3%, and you add a 25% promotion in June 2027, the March 2027 increment won't happen, and salary increases by 25% in June (e.g., $6,000 → $7,500).

💰 Voluntary Top-up Configuration

Auto MA Top-up to BHS

MA Top-up Month

Auto RSTU (SA/RA to FRS/ERS)

Retirement Sum Top-Up: Automatically tops up SA (before 55) or RA (after 55) to FRS/ERS

RSTU Top-up Month

🏠 Housing Loan (OA Deduction)

Deduct monthly housing instalment from OA

CPF-OA is used to pay HDB/bank loan instalments. The amount is debited from OA each month after contributions are credited.

Monthly Instalment (S$)

Loan Start Date

Leave blank = from simulation start

Loan End Date

Leave blank = until simulation end

📋 CPF Contribution Rates Reference (2025)

ℹ️ Effective 1 Jan 2025. These are the rates hard-coded into the simulator. Allocation = cents per S$1 of contributable wage credited to each account.

Age	Employee	Employer	Total	OA (¢/$1)	SA (¢/$1)	MA (¢/$1)
≤35	20%	17%	37%	23¢	6¢	8¢
>35–45	20%	17%	37%	21¢	7¢	9¢
>45–50	20%	17%	37%	19¢	8¢	10¢
>50–55	20%	17%	37%	15¢	11.5¢	10.5¢
>55–60	15%	15%	30%	12¢	3.5¢	10.5¢
>60–65	9.5%	11.5%	21%	3.5¢	2.5¢	10.5¢
>65–70	7%	9%	16%	1¢	1¢	9¢
>70	5%	7.5%	12.5%	1¢	1¢	5¢

Source: cpf.gov.sg — verify before use. OW Ceiling: S$8,000/month.

⚙️ Advanced Configuration

ℹ️ Strict Mode: All CPF rules are exposed as configurable parameters. No assumptions are made.

Enable RA Formation at Age 55

Enable Extra Interest (First $60k)

Enforce MA Cap (BHS Overflow → SA before 55 / OA after 55)

Enforce RA Cap after 55 (ERS Overflow → OA)

📋 CPF Policy Note — SA before Age 55:
SA has no cap before age 55. Contributions and interest accumulate freely regardless of whether SA exceeds FRS. The FRS is only a reference target, not a ceiling. At age 55, RA is formed by transferring SA (then OA) up to FRS into RA.

📊 Policy Tables Auto-Generator

✨ Auto-Calculate: Policy values will be automatically generated based on base year values and growth rates.

Base Year Configuration

Base Year

Number of Years to Generate

Base Values (S$)

BHS (Base Year)

FRS (Base Year)

ERS (Base Year)

Typically 2× FRS

Annual Growth Rates (%)

BHS Growth Rate

Default: 3.5%

FRS Growth Rate

Default: 3.5%

ERS Growth Rate

Default: 3.5%

ℹ️ How it works: Policy values for each year are calculated as:
Value(Year) = BaseValue × (1 + GrowthRate)^(Year - BaseYear)

📋 Preview Generated Values (First 10 Years)

                                Click "Run Simulation" to see preview
                            

FRS (SA Only) 🎯

ERS (SA Only) 🎯

Rows:

💡 Click any row to see a full SA monthly breakdown (opening balance, credits in, interest, pending).

Date	Age	Salary (OW)	OA In ↓	SA In ↓	MA In ↓	OA Pending →	SA Pending →	MA Pending →	OA Int. Accrued	SA Int. Accrued	MA Int. Accrued	OA Int. Credited ★	SA Int. Credited ★	MA Int. Credited ★	OA Accrued Buffer	SA Accrued Buffer	MA Accrued Buffer	Housing (OA−)	OA Balance	SA Balance	MA Balance	RA Balance	Total CPF	MA Top-up	RSTU	BHS	FRS	ERS	FRS Status	ERS Status

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📊 Ready to Simulate

Configure settings and click "Run Simulation"

Base Year Configuration

Base Values (S$)

Annual Growth Rates (%)

FRS (SA Only) 🎯

ERS (SA Only) 🎯

📊 Ready to Simulate

SA Breakdown