Start from an example
When you were born

Your CPF changes the month after each birthday that crosses a band, and at 55.

Before CPF. Your ordinary wage.

Paid in December, we assume.

Your guess, each January. 0 keeps today’s pay.

Your balances today on your CPF dashboard or app

For housing, education, investing.

For retirement.

For healthcare.

Your home OA money for a flat or house

A month. 0 if none.

When the loan is paid off (55 = past 55).

A down payment, for example.

The age you pay it.

Each month now

You pay from your pay of $6,000
$1,200
Your employer adds
$1,020
Into your CPF
$2,220 a month

Into your OA $1,260.30 · SA $419.80 · MediSave $539.90. Take-home after CPF: $4,800.

On your yearly bonus of $6,000: $2,220 more into CPF, $1,200 of it from you.

When you turn 55, in Jan 2046

Retirement Account the Full Retirement Sum
$220,400
Ordinary Account after the RA is set up
$472,947
MediSave Account
$79,000
In your CPF at 55
$772,347

Where it comes from: today’s $95,000, contributions $663,012, interest $266,235 (extra interest $11,450 of it), less $251,900 from the OA for your home.

Your RA gets the Full Retirement Sum, $220,400; the rest stays in your OA. From 55 you can withdraw what stays in your OA; in CPF’s examples the first $5,000 always stays out of the RA. Your MediSave reaches the Basic Healthcare Sum ($79,000) at 40; after that, MediSave money goes to your SA. These are future dollars, and they hold 2026’s Full Retirement Sum and Basic Healthcare Sum. Both go up over time (the FRS was $213,000 in 2025), so by 2046 more of your money will likely be in your RA and MediSave and less in your OA. Change the FRS under “What if…”.

See what $220,400 in your RA pays each month from 65, on CPF’s current payout table.

$500 more pay a month adds $41,644 to your CPF by 55.

Year by year
Age (year)Put inInterestOASA / RAMediSaveTotal
35 (end 2026)$4,440$339$21,460$41,022$36,197$98,679
36 (end 2027)$29,433$4,439$25,504$48,923$44,924$119,351
37 (end 2028)$30,029$5,213$29,990$57,254$54,148$141,393
38 (end 2029)$30,628$6,035$34,933$66,034$63,889$164,856
39 (end 2030)$31,239$6,908$40,349$75,283$74,170$189,802
40 (end 2031)$31,863$7,833$46,259$91,039$79,000$216,298
41 (end 2032)$32,500$8,812$52,682$112,728$79,000$244,410
42 (end 2033)$33,150$9,849$59,639$135,570$79,000$274,209
43 (end 2034)$33,813$10,945$67,150$159,618$79,000$305,768
44 (end 2035)$34,489$12,104$75,236$184,924$79,000$339,161
45 (end 2036)$35,178$13,338$82,147$213,330$79,000$374,476
46 (end 2037)$35,881$14,639$98,604$234,192$79,000$411,796
47 (end 2038)$36,596$15,851$119,838$252,206$79,000$451,043
48 (end 2039)$37,336$17,112$142,188$271,103$79,000$492,291
49 (end 2040)$37,737$18,435$165,418$290,845$79,000$535,263
50 (end 2041)$37,740$19,830$185,912$314,720$79,000$579,633
51 (end 2042)$37,740$21,301$206,632$339,841$79,000$625,473
52 (end 2043)$37,740$22,824$227,870$365,967$79,000$672,837
53 (end 2044)$37,740$24,400$249,639$393,138$79,000$721,777
54 (end 2045)$37,740$26,031$271,952$421,395$79,000$772,347
55 (Jan 2046)$0$0$472,947$220,400 RA$79,000$772,347

“Put in”: contributions and top-ups that year. Interest is credited at the end of each year; the 55 row counts that year’s interest so far.
What if…

Each January. Tax relief on up to $8,000 a year.

One-off. Cannot be undone.

No contributions from this age. 55 = keep working.

CPF’s figure for 2026 (2025: $213,000). Yours will likely be higher.

Change one of these to see what it does to your CPF at 55.

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Data: CPF Board, checked 13 Nov 2026. Full table and method on Numbers.sg