How do I reduce my tax in Singapore?

Use tax reliefs, SRS contributions, CPF top-ups, and eligible donations to reduce taxable income. Stax lets you model each option and see the total impact instantly.

SRS can be worth it when you are in a higher bracket now and expect a lower tax rate at withdrawal. Stax shows the estimated savings and how it affects your bracket.

How does CPF top up tax relief work?

CPF top-ups reduce your taxable income subject to annual caps. Stax lets you test different top-up amounts and see the relief impact alongside other reliefs.

CPF Projection Calculator 2026

Estimate how your OA, SA, MA, and RA balances grow to age 55, 60, or 65 with salary contributions, compound interest, CPF LIFE payout choices, and optional housing assumptions. This CPF calculator is built for 2026 planning scenarios including BRS, FRS, ERS, OA housing usage, and OA-to-SA or OA-to-RA transfers.

Start CPF forecast Read CPF calculator 2026 guide

01 Your CPF inputs

Start with your latest CPF statement

Use your current CPF balances, salary, and target age. The model assumes Singapore Citizen / PR full contribution rates.

Current ageMonthly salary$Gross monthly salary before CPF deductions. CPF ordinary wages are capped at $8,000/month.Annual bonus$Used for Additional Wage estimates, subject to the $102,000 annual salary ceiling.

Project to age

Ordinary Account (OA)$Special Account (SA)$MediSave Account (MA)$Retirement Account (RA)$Usually applies after age 55.

02 Optional assumptions

Add details only if they apply

These controls refine the projection, but they are not required for a first estimate.

Using OA for property?

Subtract monthly property payments from OA so your retirement projection does not overstate your CPF balance.

Compare OA to SA/RA transfer

Model moving OA money into higher-interest retirement savings. It can improve returns, but reduces flexibility and is generally irreversible.

Include CPF extra interest estimateAdds an approximate extra 1% / 2% on eligible first balances, credited to SA or RA.

Future Retirement Sum growth

Used only when the year you turn 55 is beyond the official announced table.

03 Your Retirement Sum status

Check your RA against BRS, FRS, and ERS

CPF Retirement Sums are reference points for your RA. More RA savings generally means higher monthly payouts.

Projected RA at 65

$660,337

FRS reachedEstimated future sums

You turn 55 in 2046. These are the estimated Retirement Sum figures used for your cohort.

BRS

$219,400

FRS

$438,800

ERS

$877,600

You are projected to set aside at least the Full Retirement Sum. Your RA balance drives the CPF LIFE payout estimate below.

You need $217,263 more RA savings to reach ERS.

Total CPF at selected age

$1,899,639

Across OA, MA, and retirement savings at age 65.

Projected payout tier

FRS

This is based on RA savings, not total CPF balance.

CPF LIFE estimate

$5,212

Standard Plan estimate from age 65.

04 Your CPF LIFE plan options

Choose payout style, not a qualification tier

CPF LIFE plans are choices, not qualification tiers. Your RA balance affects payout size; the plan affects payout style.

Based on FRS

CPF LIFE payout start age

Deferring payouts can increase monthly payouts, but it also means starting later. CPF LIFE payouts are determined by CPF Board.

Basic Plan

$4,691

Starts low and may fall further once combined CPF balances drop below $60,000. Best for lower retirement savings or a modest lifestyle.

Standard Plan

$5,212

Steady monthly payout for life from age 65. Best if you prefer a fixed monthly budget.

Escalating Plan

$4,274

Starts lower, then grows by 2% each year. Best if you want inflation protection.

Exact CPF LIFE payouts are determined by CPF Board and depend on RA balance, payout start age, interest rates, plan choice, life expectancy, and gender. These figures are planning estimates.

05 Your projection path

See how your CPF grows over time

Milestones show the big picture first. Expand the table if you want every projected year.

Age 55

$1,175,504

RA: $438,800

Age 60

$1,530,079

RA: $538,742

Age 65

$1,899,639

RA: $660,337

Ordinary Account

$1,160,303

Includes withdrawable OA savings and any excess SA after RA is formed.

Special Account

SA closes from age 55. Savings are moved to RA up to FRS; excess goes to OA.

MediSave

$79,000

Retirement Account

$660,337

RA is the key balance used for CPF LIFE payout estimates.

Total CPF contributions

$869,400

Employer + employee contributions during projection.

Interest earned

$875,239

Base interest plus optional extra interest estimate.

Selected age total

$1,899,639

Total CPF at age 65.

Age	Total CPF	OA	Retirement savings	MA	CPF added	Interest
40	$352,459	$186,038	SA $89,335	$77,086	$31,080	$10,940
45	$583,782	$304,139	SA $200,643	$79,000	$31,080	$18,175
50	$855,356	$430,708	SA $345,648	$79,000	$31,080	$26,825
55	$1,175,504	$657,704	RA $438,800	$79,000	$31,080	$37,319
60	$1,530,079	$912,337	RA $538,742	$79,000	$28,560	$46,498
65	$1,899,639	$1,160,303	RA $660,337	$79,000	$21,000	$57,335

Assumptions: $8,000 monthly OW ceiling,$102,000 annual salary ceiling, 2.5% OA interest, 4% SA/MA/RA base interest, and $79,000 Basic Healthcare Sum. Interest is estimated month-by-month and credited yearly; annual bonus CPF is assumed to arrive in December. SA closes from age 55 in this model; SA savings are moved to RA up to FRS and excess SA is moved to OA. Retirement Sums use official BRS figures where available; future years are estimated at 3.5% yearly growth from the latest official table. This is a planning estimate, not CPF Board advice.

What is a CPF Projection Calculator?

A CPF projection calculator estimates your CPF Ordinary Account (OA), Special Account (SA), MediSave Account (MA), and Retirement Account (RA) balances at future ages. It combines your current balances, salary contributions, CPF allocation rates, and CPF interest assumptions into one forward-looking view.

How to Use This Calculator

Enter your current age and latest CPF balances from CPF.gov.sg.
Add your gross monthly salary and expected annual bonus.
Choose whether to project to age 55, 60, or 65.
If you use OA for housing, add your monthly OA housing payment.
Compare keeping OA as-is against transferring OA to SA or RA for higher retirement interest.

CPF Projection FAQ

How accurate is CPF projection?

It is an estimate. Salary changes, bonuses, housing withdrawals, voluntary top-ups, and policy updates can change your actual CPF balance.

What factors affect CPF projection?

The biggest drivers are salary, CPF wage ceilings, account allocation rates, OA usage for housing, transfers from OA to SA/RA, and the interest rate environment.

Can I withdraw my CPF at 55?

You may withdraw eligible balances after setting aside the required retirement sum. The exact amount depends on CPF rules and your balances when you turn 55.

Should I transfer OA to SA?

It can increase retirement savings because SA earns a higher base rate than OA, but it reduces housing flexibility and is generally irreversible.

What if I use OA for housing?

Add your monthly OA housing payment. The calculator deducts it from OA and estimates the CPF principal plus accrued interest that may need to be refunded if the property is sold.

Next step guides

Turn your estimate into an action plan

After checking the numbers, use these guides to decide which tax or retirement move is worth acting on.

CPF Calculator 2026 GuideUnderstand CPF projection inputs before modeling retirement balances.Open →SRS vs CPF Top-Up GuideCompare which relief gives better savings and when to use both together.Open →Complete Tax Reliefs GuideSee relief caps, eligibility, and year-end moves that can lower assessable income.Open →