🏦 CPF Simulator v4.0

Deterministic Financial Simulation Engine - Strict Mode

CPF Knowledge Pack v3 Compliant

About This CPF Projection Simulator

The Central Provident Fund (CPF) is Singapore's comprehensive social security system that helps citizens save for retirement, healthcare, and housing. This free calculator helps you project your CPF balances over time based on your current salary, age, and contribution rates.

What This Calculator Does

Our CPF projection simulator accurately models your CPF contributions across all four accounts (Ordinary Account, Special Account, MediSave, and Retirement Account) based on:

Why Use This Tool?

Planning for retirement in Singapore requires understanding how your CPF balances will grow over time. This simulator helps you:

📋 Personal Information
Can be any date, including mid-year
💰 Starting CPF Balances (S$)
💵 Salary & Growth
🚀 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
Retirement Sum Top-Up: Automatically tops up SA (before 55) or RA (after 55) to FRS/ERS
🏠 Housing Loan (OA Deduction)
CPF-OA is used to pay HDB/bank loan instalments. The amount is debited from OA each month after contributions are credited.
Leave blank = from simulation start
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.
📋 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 Values (S$)

Typically 2× FRS

Annual Growth Rates (%)

Default: 3.5%
Default: 3.5%
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

📊 Ready to Simulate

Configure settings and click "Run Simulation"

Frequently Asked Questions

Is this calculator accurate?

This calculator uses official CPF contribution rates, allocation percentages, and interest rates as published by the CPF Board. However, actual results may vary based on policy changes, bonus structures, and individual circumstances. This tool is for planning purposes only and should not be considered financial advice.

How often does CPF interest compound?

CPF interest is calculated and accrued monthly, but the full year's interest is credited to your account in a lump sum every January. This calculator accurately models this behavior.

Can I use this if I'm self-employed?

Yes, but you'll need to manually enter your expected MediSave contributions. Self-employed persons are required to contribute to MediSave but not to OA or SA unless they make voluntary contributions.

What if my salary exceeds the Ordinary Wage ceiling?

The calculator automatically caps contributions at the Ordinary Wage (OW) ceiling of $6,000 per month and Additional Wage (AW) ceiling of $102,000 per year, as per CPF regulations.

How do promotions and increments work?

You can model both annual increments (applied every year in a specific month) and one-time promotions (applied in a specific month and year). Promotions override the annual increment for that year to prevent double-counting.

Can I save my projections?

Yes! Your inputs are automatically saved in your browser's local storage. You can also export your results to CSV or Excel format for offline analysis or record-keeping.

Important Disclaimer

This calculator is for educational and planning purposes only. It is not financial advice and should not be used as the sole basis for financial decisions. CPF policies, contribution rates, and retirement sums may change over time. For official information, please visit cpf.gov.sg or consult a licensed financial advisor.

While we strive for accuracy, we make no warranties or representations about the accuracy, reliability, or completeness of this calculator. Users are responsible for verifying all projections with official CPF statements and regulations.