CPFB | Grow my savings

Grow my savings

Put your CPF savings to work early with compound interest as your co-star. Watch your savings grow steadily, and achieve the financial goals you set out for.

Savings Square

Grow your savings, one habit at a time

If you start topping up $50 per month into your CPF Special Account (SA) at the age of 35, with an annual return of 5% p.a.*, your money will grow to about $39,860 by the time you turn 65. If you did nothing with it, it would have remained as $18,000.

*Per annum

Automate your savings

Set up recurring cash top-ups to your CPF Special Account (SA) and benefit from stable interest rates of up to 5% p.a.*.

_{*Terms and conditions apply.}

Enjoy tax relief of up to $16,000* while growing your CPF savings

Reduce your taxable income dollar-for-dollar by up to $8,000 when you top up your Special Account (SA) in cash, plus up to another $8,000 when you top up for loved ones*.

_{*Terms and conditions apply.}

Track your finances regularly

As you hit different milestones, from career advances to family changes, your financial needs naturally evolve. Review your goals regularly and save at least 20% of your income every month for emergencies.

Start planning today

Retirement Payout Planner

See how your choices shape your retirement by estimating your monthly payouts and exploring how different decisions affect your future income. See how your monthly payouts change when you top up your CPF savings, or choose different CPF LIFE plans.

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Make a cash top-up

Top up your CPF savings today for higher payouts. With stable interest rates and tax benefits, every dollar you save now brings you closer to your desired lifestyle.

Top up now

Planting the seeds of compound interest

Watch Institute for Financial Literacy, Master Trainer Joseph and CPF member Irene as they share simple habits that can help to boost your savings. Discover how saving regularly and compound interest can help you reach your financial goals with greater ease.

Building habits today that your future self will thank you for

Every savings journey has its challenges. But your future self will thank you for staying disciplined today. Let's explore practical ways to keep your financial goals on track.

Find out how

Looking to explore more resources?

Give your future the star treatment it deserves. Make use of Plan Life Ahead, Now! (PLAN) with CPF, a one-stop portal empowering you to take charge of your financial journey and build a strong foundation with CPF at every life stage, via a suite of resources.

Find out how

Director's Cut:

How Others Are Making The Most Of Their Savings

"In my early working years, the toughest part was to balance between enjoying the present and planning for the future. Lifestyle creep was real, especially as income grew and I saw peers started upgrading their lifestyles. I made a conscious choice to prioritise long-term financial goals over short-term wants.

Staying with family a bit longer helped me keep costs low, allowed me to save more, and topped up my CPF. I set budgets, tracked my spending, and always paid myself first. In the end, it was these small and consistent habits that made the biggest difference."

- Jeffrey, 31, Executive Senior Financial Consultant

"If you're sure you won’t need your CPF Ordinary Account (OA) funds anytime soon, consider transferring them to your SA to grow your savings faster. Even small but consistent contributions can grow significantly over time with compounding interest!

For everyday budgeting, I follow the 50-30-20 rule: 50% for needs, 30% for wants, and 20% for savings. I also use cashback credit cards to save on groceries and utility bills."

- Kent, 38, Digital Manager

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Grow your savings, one habit at a time