CPF Compounding Interest Calculator Singapore 2026
OA, SA, RA & MA Growth with Correct Bonus Rates & Rule of 72
Calculate exact compound interest across all your CPF accounts — OA (2.5% + bonus), SA (4% + bonus), RA (4–6% tiered bonus for 55+), and MA (4% + bonus) — using the correct 2026 bonus interest rules. See your year-1 interest in S$, when each account doubles (Rule of 72), 30-year growth milestones, inflation-adjusted real value, and a multi-line compound growth chart.
Ordinary Account earns 2.5% p.a. + an extra 1% on the first S$20,000 (part of the combined S$60K bonus pool). Used for housing, CPF LIFE and CPFIS investments.
Special Account earns 4.0% p.a. + 1% bonus on the first S$40,000 (after OA takes its S$20K share of the S$60K combined bonus pool).
MediSave Account earns 4.0% p.a. + the 1% bonus if within the combined S$60K eligible pool.
Optional: include ongoing CPF inflows. Combined employee + employer contribution for a S$8,000/mo salary = approximately S$28,800/yr (37% of OW ceiling). Leave blank to project existing balances only.
Enter your CPF balances to see Year-1 interest across all accounts with 2026 bonus rates, Rule of 72 doubling time, 30-year growth milestones, and inflation-adjusted real value.
CPF Interest Rates Singapore 2026 — OA 2.5%, SA/RA/MA 4%, Bonus Rates & How Compound Interest Builds Real Retirement Wealth
CPF interest is credited annually on 31 December each year based on the lowest balance in each account during the month. This means the compounding cycle is annual — but the real power of CPF compounding comes from the bonus interest rates on top of the base rates: an extra 1% per annum on the first S$60,000 of combined CPF balances (capped at S$20,000 from OA). For members aged 55 and above, the RA earns up to 6% effective on the first S$30,000 — the highest guaranteed interest rate available on any savings product in Singapore. This makes CPF one of the most powerful compounding vehicles for building retirement wealth, particularly once the SA (before 55) or RA reaches a significant balance.
2026 CPF Interest Rate Table — Base, Bonus & Effective Rates by Account
| Account | Base Rate | Bonus Rate | Effective Rate | Applies To |
|---|---|---|---|---|
| OA | 2.5% | +1% | 3.5% (first S$20K) | All members — first S$20K of OA |
| SA | 4.0% | +1% | 5.0% (first S$40K portion) | Under-55 — part of first S$60K combined |
| RA (55+) | 4.0% | +2% / +1% | 6% / 5% / 4% tiered | First S$30K: 6%; Next S$30K: 5%; Above S$60K: 4% |
| MA | 4.0% | +1% | 5.0% (if within S$60K pool) | Within combined S$60K bonus pool |
Rule of 72 — How Long for Your CPF Accounts to Double?
| Account | Effective Rate | Years to Double (Rule of 72) | S$100,000 Becomes |
|---|---|---|---|
| OA (standard) | 2.5% | 28.8 years | S$200,000 in ~29 yrs |
| OA (with 3.5% bonus) | 3.5% | 20.6 years | S$200,000 in ~21 yrs |
| SA / MA | 4.0% | 18.0 years | S$200,000 in ~18 yrs |
| SA (with 5% bonus) | 5.0% | 14.4 years | S$200,000 in ~14 yrs |
| RA (first S$30K, 6%) | 6.0% | 12.0 years | S$200,000 in ~12 yrs |
How This CPF Compounding Calculator Works — Bonus Interest Logic, Annual Projection & Inflation Adjustment
Step 1 — Select Age Group and Enter All Account Balances
Choose Under 55 (OA + SA + MA) or Age 55+ (OA + RA + MA). The calculator applies different bonus rate rules for each age group. Under 55: the combined S$60,000 bonus pool is allocated OA first (max S$20,000), then SA/MA. Age 55+: the RA earns a tiered 6%/5%/4% on the first S$30K/S$30K/above S$60K, plus the standard 1% bonus on remaining OA within the S$60K pool.
Step 2 — Year-1 Interest Calculated per Account with Effective Rates
The Year-1 interest section shows the exact S$ earned by each account, the effective rate after bonus, and the total bonus interest earned (the premium above what you would earn at base rates only). This bonus interest is entirely passive — no action required beyond maintaining the balance.
Step 3 — 30-Year Chart Shows the Power of Compound Divergence
The multi-line chart plots OA, SA/RA, and MA separately alongside the total. The key visual insight: SA and RA lines compound far steeper than OA due to the 4%+ rate vs 2.5%. Over 30 years, S$100,000 in SA grows to S$324,340 at 4% — vs only S$209,757 in OA at 2.5%. The SA earns S$114,583 more on the same initial amount — purely from the rate difference.
3 Real Singapore CPF Compounding Examples — First-Timer Buyer, Mid-Career PMET & Pre-Retirement 55+
Example 1: Age 30, OA S$40K, SA S$25K
Example 2: Age 45, OA S$120K, SA S$150K
Example 3: Age 58, RA S$213K (FRS), OA S$50K
3 Expert CPF Compounding Tips — OA vs SA Comparison, Bonus Pool Strategy & Inflation Reality
The OA vs SA Compounding Gap Is Massive Over 20 Years — Always Fill SA First
The 1.5% rate difference between OA (2.5%) and SA (4%) seems modest. Over 20 years on S$100,000, it generates S$82,000 more interest in SA than OA — a 43% difference in accumulated wealth. This is why the classic CPF strategy of voluntarily topping up SA via the RSTU (before 55) is so powerful — every dollar in SA compounds S$0.82 more per dollar over two decades than OA. The compounding gap widens every year: by year 30, S$100,000 in SA grows to S$324,340 vs S$209,757 in OA. These are not small differences. They translate directly into more CPF LIFE income at retirement and a larger RA at 55. If you have OA savings you do not need for housing, transferring them to SA (irreversible, but available before 55) remains one of the highest-impact passive wealth actions available to Singaporeans.
The S$60K Bonus Pool: Most People Leave Free Interest on the Table
The 1% bonus interest on the first S$60,000 combined CPF balances is earned automatically, but the allocation order matters. OA gets the first S$20,000 of the bonus pool, SA/MA shares the remaining S$40,000. Many members with OA balances above S$20,000 are unaware that their OA above S$20,000 earns only the base 2.5% — not 3.5%. This is why: if your OA is S$100,000 and SA is S$50,000, only S$20,000 OA earns 3.5%, the rest of OA earns 2.5%, and all S$50,000 SA earns 5% (as SA fills the remaining S$40K of the bonus pool). The practical implication: transferring excess OA to SA before 55 (OA-to-SA transfer) not only raises the rate from 2.5% to 4%, but also ensures the transferred amount continues benefiting from the bonus pool more effectively in SA.
At 2% Inflation, Even SA at 4% Delivers Only 2% Real Return — What This Means for Planning
CPF SA at 4% sounds excellent — but at Singapore’s 2% core inflation, the real return on SA is approximately 2% per annum (4% nominal minus 2% inflation). OA at 2.5% delivers a real return of only 0.5%. This means S$213,000 at FRS in SA today has the same real purchasing power as approximately S$175,000 today in 20 years’ time (at 2% inflation). CPF LIFE’s Standard Plan compounds this problem: a S$1,620/month payout in nominal terms is worth only S$1,089 in today’s money by age 85 (assuming 2% inflation over 20 years). The implication: CPF compounding is excellent for retirement savings accumulation, but it is not a substitute for maintaining other investments that can deliver inflation-beating returns. Think of CPF as the guaranteed foundation (replacing a government bond allocation) and equity investments as the growth layer above.
