🏦 My CPF Journey

See where your CPF balances are heading — month by month, all the way to retirement.

Built on official CPF Board rules
📋 Personal Information
Can be any date, including mid-year
💰 Starting CPF Balances (S$)
💵 Salary & Growth
🚀 Promotions (Override Annual Increment)
How it works: When you add a promotion for a specific month, the annual increment for that year is skipped. The promotion percentage is applied to your current salary at that time.

Example: If annual increment is March at 3%, and you add a 25% promotion in June 2027, the March 2027 increment won't happen, and salary increases by 25% in June (e.g., $6,000 → $7,500).
💰 Voluntary Top-up Configuration
Retirement Sum Top-Up: Automatically tops up SA (before 55) or RA (after 55) to FRS/ERS
🏠 Housing Loan (OA Deduction)
CPF-OA is used to pay HDB/bank loan instalments. The amount is debited from OA each month after contributions are credited.
Leave blank = from simulation start
Leave blank = until simulation end
📋 CPF Contribution Rates Reference (2025)
ℹ️ Effective 1 Jan 2025. These are the rates hard-coded into the simulator. Allocation = cents per S$1 of contributable wage credited to each account.
Age Employee Employer Total OA (¢/$1) SA (¢/$1) MA (¢/$1)
≤35 20%17%37%23¢6¢ 8¢
>35–45 20%17%37%21¢7¢ 9¢
>45–50 20%17%37%19¢8¢ 10¢
>50–55 20%17%37%15¢11.5¢10.5¢
>55–60 15%15%30%12¢3.5¢10.5¢
>60–65 9.5%11.5%21%3.5¢2.5¢10.5¢
>65–70 7%9%16%1¢1¢9¢
>70 5%7.5%12.5%1¢1¢5¢
Source: cpf.gov.sg — verify before use. OW Ceiling: S$8,000/month.
⚙️ Advanced Configuration
ℹ️ Strict Mode: All CPF rules are exposed as configurable parameters. No assumptions are made.
📋 CPF Policy Note — SA & RA at Age 55:
Before 55, SA has no cap — contributions and interest accumulate freely regardless of whether SA exceeds FRS (FRS is a reference target, not a ceiling).

On your 55th birthday: RA is formed by moving SA (then OA) up to FRS into RA. Any remaining SA balance is swept into OA and SA is closed. From then on, the portion of monthly CPF allocation that would have gone to SA flows to OA instead, and RA earns interest at the SA rate.
📊 Policy Tables Auto-Generator
✨ Auto-Calculate: Policy values will be automatically generated based on base year values and growth rates.

Base Year Configuration

Base Values (S$)

Typically 2× FRS

Annual Growth Rates (%)

Default: 3.5%
Default: 3.5%
Default: 3.5%
ℹ️ How it works: Policy values for each year are calculated as:
Value(Year) = BaseValue × (1 + GrowthRate)^(Year - BaseYear)
📋 Preview Generated Values (First 10 Years)
Click "Run Simulation" to see preview

📊 Ready to Simulate

Configure settings and click "Run Simulation"