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CPF Interest Calculator 2026
Free CPF interest calculator: yearly interest on your Ordinary Account (2.5%), Special or Retirement Account and MediSave (4%), plus the 1% to 2% extra interest on the first S$60,000.
Your CPF balances
Interest in a year
S$4,900.00
| OA at 2.5% | S$1,500.00 |
| SA at 4% | S$1,600.00 |
| MediSave at 4% | S$1,200.00 |
| Extra interest (1% on first S$60k) | S$600.00 |
| Total | S$4,900.00 |
How CPF interest works
Interest is worked out monthly and paid into your accounts at the end of the year. For extra interest, at most S$20,000 of your OA counts, and the extra interest from the OA goes into your SA to boost retirement savings. Balances that change during the year will earn a little more or less than shown.
Rates for 2026: OA 2.5%, SA/MA/RA 4%. Last checked October 2026. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: CPF: interest rates
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
Questions people ask
What are CPF interest rates in 2026?+
2.5% for the Ordinary Account and 4% for the Special, MediSave and Retirement Accounts.
What is CPF extra interest?+
Below 55: 1% more on the first S$60,000 of combined balances (with at most S$20,000 from OA). From 55: 2% on the first S$30,000 and 1% on the next S$30,000.
When is CPF interest paid?+
It is calculated monthly and credited to your accounts at the end of each year.