CPF Interest Calculator (2026)

The Ordinary Account (OA) earns a minimum of 2.5% per annum. The Special Account (SA), MediSave Account (MA), and Retirement Account (RA) each earn a minimum of 4.0% per annum. These are the guaranteed floor rates set by the government — actual rates may be higher based on market conditions.

CPF members earn an additional 1% interest on the first $60,000 of their combined CPF balances (with an OA cap of $20,000). This means the first $20,000 in your OA earns 3.5% instead of 2.5%, and the first $60,000 across SA, MA, and RA earns 5.0% instead of 4.0%. The extra interest is credited to your SA or RA.

Yes, CPF members aged 55 and above earn an additional 1% extra interest on the first $30,000 of their combined CPF balances (with an OA cap of $20,000). Combined with the standard extra interest, this means members 55+ can earn up to 6.0% on their SA/MA/RA balances for the first $30,000.

Yes, CPF interest is computed monthly and compounded annually. Interest earned each month is added to your account balance at the end of the year. This means you earn interest on your interest over time, which significantly boosts your long-term CPF savings.

CPF interest is computed monthly based on the lowest balance in each account during the month. The accumulated monthly interest for the year is then credited to your accounts at the end of December each year. Extra interest is credited to your SA (if below 55) or RA (if 55 and above).