CPF OA Interest Calculator
Projects your CPF Ordinary Account balance with the 2.5% floor rate and regular contributions.
Result
- Projected OA balance
- S$200,356.52
- Interest earned
- S$30,356.52
How to use the cpf oa interest calculator
- Enter the current oa balance (S$).
- Enter the monthly contribution (S$).
- Enter the years.
- Enter the interest rate (%).
- The results update as you type, or press Calculate.
- Read the projected oa balance first, then the supporting figures below it.
Formula
Uses monthly compounding as an approximation of CPF's monthly accrual and annual crediting.
Worked example
For example, with these inputs:
- Current OA balance (S$): 50,000
- Monthly contribution (S$): 1,000
- Years: 10
- Interest rate (%): 2.5
the calculator returns:
- Projected OA balance: S$200,356.52
- Interest earned: S$30,356.52
Good to know: CPF also pays extra interest on the first S$60,000 of combined balances, which is not included here.
Background
The Employment Act sets out how hourly and daily rates are calculated for overtime, public holiday work and salary deductions. These formulas use the monthly basic rate of pay rather than gross salary, which is why the numbers can look lower than a simple division of your salary by hours worked.
CPF distinguishes between ordinary wages, which are paid for work in the month such as basic salary and fixed allowances, and additional wages, such as annual bonuses and leave encashment. Ordinary wages are capped at S$8,000 a month from January 2026, while additional wages are capped by an annual ceiling of S$102,000 minus the ordinary wages already subject to CPF in the year.
Frequently asked questions
How does the cpf oa interest calculator work?
It applies this formula: Uses monthly compounding as an approximation of CPF's monthly accrual and annual crediting.
Are these figures exact?
They follow the published CPF and MOM formulas, but your employer's payroll may round slightly differently or include allowances in a different way. Your payslip is the final reference.