Profile & Income

Capped at $8,000 (2026 OW Ceiling)

Current Balances

Projections

Target ERS at 55?

If checked, transfers OA/SA to RA up to ERS (2x FRS) at 55.

Ready to Forecast

Adjust values on the left and click Run Simulation.

Defaults: BHS $79k | FRS $220.4k | OW $8k

Disclaimer:

I am not a financial advisor. Neither am I trying to sell you anything. This CPF simulator is for educational purposes. The calculations used in this simulator are derived from publicly available information. It projects the CPF account amounts based on the inputs you provide. No data is retained for the working of the simulator. The entire calculation takes place on the browser, and no information is sent to the server. If you find any problems or flaws, please send me a note via comments or email.

2026 Rules: Monthly OW Ceiling is $8,000. Total Annual Wage Ceiling is $102,000. Contribution Limit is strictly capped at $37,740 (Mandatory + Voluntary). SA closes at 55. Rates: Base interest (2.5% OA, 4.0% Others). Extra interest tiers excluded for conservatism.

Age 55

Retirement Sum Creation

55

Total Balance

$0

OA

-

RA

-

MA

-

Age 65

Payout Eligibility

65

Total Balance

$0

OA

-

RA

-

MA

-

Growth Projection

OA RA MA

Financial Summary

Assumptions & Logic

  • Annual Wage Ceiling ($102k): OW capped at $8,000/mo. Bonus capped at ($102,000 - Annual OW).
  • Contribution Limit ($37,740): Mandatory contributions take priority. Voluntary cash is filled only up to this limit.
  • BHS: Starts at $79,000. FRS: Starts at $220,400.
  • Overflow: MA > BHS overflows to SA (Pre-55) or RA (Post-55). If full, overflows to OA.
  • Deductions: DPS/HPS from OA. Medishield/ElderShield from MA.

Detailed Transaction Ledger

Includes Interest & Transfers

Age Total
Contrib		 Ordinary (OA) Special (SA) Medisave (MA) Retirement (RA) Notes
In Bal In Bal In Bal In Bal