CPF Compound Interest & Extra Tiered Interest Calculator
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.
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.
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. Calculate exact, penny-accurate projections compliant with 2026 CPFB • IRAS • Monetary Authority of Singapore (MAS) • HDB standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
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.
All CPF balances are 100% backed by the AAA-rated Singapore Government. SA and MA offer a 4.05% floor rate with zero downside volatility, and with tiered extra interest reaching up to 6.05%, it offers guaranteed risk-free compound growth.
For members below age 55, extra interest earned on all accounts (including OA) is credited into your Special Account (SA). For members aged 55 and above, the extra interest is deposited into your Retirement Account (RA) to boost your CPF LIFE payouts.
Under the S$60,000 combined cap for extra interest, balances in SA and MA take priority. A maximum of only S$20,000 from OA can qualify for the extra 1% interest (generating up to S$200 extra per year).
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