Calculate guaranteed compound growth across OA (2.5%), SA/MA (4.05%), and extra 1% to 2% tiered government interest for up to 30 years.
OA: 2.5%, SA/MA: 4.05% + Tiered extra interest
R_{OA} = 2.50\% \\
R_{SA/MA/RA} = 4.05\% \\
Extra_{<55} = 1.0\% \times \min(Balance_{Combined}, \$60,000) \quad [OA \le \$20,000] \\
Extra_{\ge 55} = 2.0\% \times \min(B, \$30,000) + 1.0\% \times \min(\max(B - 30k, 0), \$30,000)Ordinary Account pays 2.50% p.a., while Special & MediSave accounts yield 4.05% guaranteed base rate. To boost retirement sums, CPF pays an extra 1% on the first S$60,000 of combined balances (capped at S$20,000 for OA). For members aged 55+, the first S$30,000 earns an extra 2% (up to 6.05% p.a.)!
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual CPF interest rates, ABSD criteria, COE prices, and bank mortgage rates may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a MAS-licensed financial adviser or IRAS/CPF officer prior to executing financial commitments.
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