CPF & SRS Projection Calculator

Personal Details

Current Age

Target Retirement Age

CPF Balances ($)

Ordinary Account (OA)

Special / Retirement Account (SA/RA)

MediSave Account (MA)

Full Retirement Sum (FRS) cap for RA routing

Current Yearly CPF Contribution (used to infer wage base)

Yearly Cash Top-Up to Own SA/RA (cap $8,000)

Monthly Mortgage Deduction from OA

Uses CPF Board 2026 allocation rates by age, and applies the 1 Jan 2027 senior-worker contribution increase when the projection crosses into 2027. That extra senior-worker amount goes to RA until the FRS cap, then to OA. MA is capped at BHS and excess contributions are redirected to SA/RA. Cash top-ups are irreversible and reserved for retirement savings. Mortgage deductions reduce OA only.

SRS Details ($)

Current SRS Balance

Yearly SRS Contribution

Expected SRS Annual Return (%)

Official refs used: CPF interest rates 2026, BHS 2026, and CPF cash top-up rules.

Projected Total CPF$0

Projected SRS$0

Projected MA$0

Projected SA/RA$0

Projection Components

Total Asset (CPF + SRS)

🧠 CPF & SRS Projection Tool