CPF & EPF Compound Interest Calculator

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⚠ Disclaimer: Estimates only. This calculator does not constitute financial, tax or legal advice, and RECATOOLS is not a licensed financial adviser in any jurisdiction. Rates, rules and product terms vary by country and change over time — check the figures against the relevant authority or provider, and consult a licensed adviser before making decisions.

Principal Amount

Annual Interest Rate (%)

Time Period

years

Compound Frequency

Monthly top-up (optional)

Final Amount

—

Total Interest Earned

—

Total Contributed

—

Breakdown

Principal Contributions Interest

Year	Balance	Interest Earned	Total Contributions

CPF Special Account tip: The CPF SA earns 4% p.a. — the floor rate, which the Government has extended to 31 December 2026 (CPF Board). Enter 4% above and set frequency to Annually to project your CPF SA growth.

📅 Research current as of 13 Sep 2026 · Sources: CPF Board interest rates (OA 2.5%, SA/MA/RA 4% floor, Jul–Sep 2026 quarter); KWSP dividend announcements; future-value formula per Brealey, Myers & Allen, Principles of Corporate Finance

Rates, regulations, and lender practices change frequently — verify current figures with your provider or licensed advisor before acting.

Disclaimer: This calculator is for educational and illustrative purposes only. It does not constitute financial advice. Past returns do not guarantee future performance. Consult a licensed financial adviser before making investment decisions.

Compound Interest Calculator Tool