A Singapore Government Agency Website
What’s been happening
Look at how your CPF's been adding up.

These are illustrative examples based on typical CPF contribution rates. Your actual balance may differ.

Essential: Around $900 a month

 

Starting out

 

Essential: Around $900 a month

 

Starting out

 

Figures are illustrative and based on the following assumptions: Mei started working at 22 on a salary of $3,800 per month (MOM median gross starting salary for fresh graduates), with annual wage growth of 3.5%. She purchased her 4-room BTO with her husband at 32 at a cost of $400,000. Balances and interest reflect OA and SA only and exclude MediSave. Actual balances will vary based on individual salary history and CPF usage.

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Turns out, good fortune compounds. Add a small monthly top-up to your SA and watch what it builds over ten years, at a guaranteed 4% per year. No lump sum required.
300
50 650
After 10 years
$
Total Projected Value
$
Total Contribution Value
After 20 years
$
Total Projected Value
$
Total Contribution Value
After 30 years
$
Total Projected Value
$
Total Contribution Value

All figures are illustrative and approximate, based on a CPF Special Account interest rate of 4% per year, compounded monthly. Actual returns may be higher as these figures do not account for the additional 1% interest on the first $60,000 of combined CPF balances.

 

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Resources
Start with the basics.
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Growing savings

A beginner’s guide to investing in Singapore

From T-bills and SSBs to stocks and CPFIS, learn how investing can give a boost to your retirement plan.

08 May 2026 • 15 minute read
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CPF overview

How do your CPF savings work for you?

CPF’s steady interest rates help to grow your retirement savings, but how do they work? Let’s find out.

20 Feb 2026 • 3 minute read
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Wellness

3 pointers for affordable healthy living in Singapore

Achieve wellness on a budget with these affordable healthy living tips. 

03 Nov 2023 • 9 minute read
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