Beware of scam calls and scam messages impersonating as CPF officers asking for your personal details. Ignore them and do not share your Singpass ID/password or banking details with anyone. CPF officers will NOT ask for your Singpass, banking userid or password.

Scheduled Maintenance: CPF digital services will not be available on 3 Jul 2022, from 12am to 10am.

my cpf

View personal CPF information and transactions for retirement, home ownership, healthcare, and more.


CPF overview

CPF empowers you to secure your life goals. Save for retirement, home ownership, and healthcare protection.

Growing your savings

For greater peace of mind in your golden years, CPF provides you with a strong foundation for retirement by helping you save for your retirement income, home ownership and healthcare needs.

Retirement income

Build a strong foundation for your retirement and get more from what you save in your golden years.

Home ownership

Owning a home can be affordable. Take care of your mortgage repayment, while protecting your retirement nest egg.

Healthcare financing

Learn how CPF can give you peace of mind to manage your basic healthcare sum and meet the costs of your healthcare needs.

Account services

Throughout your working life and in retirement, you can easily access your CPF account information using Singpass. To better manage your CPF savings, keep up with the latest news by having your contact details updated and subscribe to our email notifications.

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How much extra interest can I earn on my CPF savings?

To help boost retirement savings, the Government pays extra interest on the first $60,000 of your combined CPF balances, which is capped at $20,000 for Ordinary Account (OA). Extra interest is structured so that all CPF members benefit, and members with lower balances benefit more.

The amount of extra interest paid to you would depend on your combined CPF balances and age.

You will earn an extra interest of 1% per annum on the first $60,000 of your combined CPF balances (capped at $20,000 for OA). The extra interest earned on your SA and MA balances will go to the respective accounts, while the extra interest earned on your OA balances will go into your SA to enhance your retirement savings.

You will earn an extra interest of 2% per annum on the first $30,000 and 1% per annum on the next $30,000 of your combined CPF balances (capped at $20,000 for OA). The extra interest earned on your RA, SA and MA balances will go to the respective accounts, while the extra interest earned on your OA balances will go into your RA to enhance your retirement savings.

 

If you have joined the CPF LIFE  scheme, the extra interest earned will be paid into your RA or accumulated with the interest earned on the CPF LIFE premiums of all CPF LIFE members. 

Your accounts are used to compute your combined CPF balances in the following order:

- 1st: Retirement Account (RA), including any CPF LIFE premium balance

- 2nd: OA, with a cap of $20,000* 

- 3rd: Special Account (SA)

- 4th: MediSave Account (MA)

 

*A cap of $20,000 from OA is imposed because OA savings are short-term in nature and can be withdrawn on demand for a few purposes such as housing and education.