Stax logo
Stax
Coming Soon

Join the exclusive preview of the CPF Projection Calculator

Track how your CPF balances grow, estimate retirement payouts, and compare OA → SA strategies in one place.

Retirement projections

See projected CPF balances at 55, 60, and 65 based on your inputs.

OA → SA comparison

Compare keeping OA vs transferring to SA and the impact over time.

CPF LIFE estimate

Get a monthly payout range estimate based on projected balances.

What is a CPF Projection Calculator?

Our CPF projection calculator estimates your CPF Ordinary Account (OA), Special Account (SA), and Retirement Account (RA) balances at age 55, 60, and 65 based on your current balances, salary, and CPF contribution assumptions.

How to Use This Calculator

  1. Enter your current age and CPF balances.
  2. Set your monthly salary and CPF contribution assumptions.
  3. Choose projection age (55, 60, or 65).
  4. Review projected OA, SA, MA, and RA balances.

FAQ

How accurate is CPF projection?

This model uses current CPF interest assumptions (2.5% OA and 4% SA/RA baseline) and contribution flows. Actual outcomes differ with salary growth, transfers, top-ups, and policy updates.

What factors affect CPF projection?

Salary changes, bonuses, OA-to-SA transfers, voluntary top-ups, and CPF interest rate or rule changes are the major drivers of projected balances.

Can I withdraw my CPF at 55?

You may withdraw eligible amounts from age 55 after setting aside the required retirement sum. The exact withdrawable amount depends on prevailing CPF rules at that time.

Related Tools

Compare SRS and CPF decisions with these resources:

SRS vs CPF Top-UpSRS Withdrawal Planner