Project your CPF balances, model the age-55 RA creation, explore property pledge withdrawals, and compare investing excess funds vs leaving them in CPF.
Profile
Current Age
Monthly Salary ($)
Annual Salary Increment (%)
Year-End Bonus (months)
Monthly OA for Housing ($)
CPF Balances
OA Balance ($)
SA Balance ($)
RA Balance ($)
MA Balance ($)
OA$120,000
SA$60,000
RA$0
MA$30,000
Total CPF$210,000
Property Details
I own a property (for pledge)
CPF Used for Property ($)
Accrued Interest ($)
Interest Rates (Auto-filled)
OA Rate
2.5%
SA / RA Rate
4.0%
Extra interest rules:
<55: +1% on first $60K combined (max $20K from OA)
≥55: +2% on first $30K, +1% on next $30K
Retirement Sums
Cohort (Year turning 55)
Gender (affects CPF LIFE payout)
BRS
$110,200
FRS
$220,400
ERS
$440,800
BRS/FRS are fixed based on the year you turn 55. ERS was 3× BRS up to 2024, raised to 4× BRS from 2025. Years 2028–2040 are projected at 3.5% annual BRS increase.