Singapore CPF Ordinary Account Shielding Calculator

Model the CPF Ordinary Account shielding strategy at age 55, retaining savings in the OA at 2.5% interest while meeting the Full Retirement Sum from SA funds to maximise CPF LIFE payouts.

Principal ($)
Annual Rate (%)
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Compounding / Year
$ Finance Disclaimer: These calculators are for educational and illustrative purposes only. Results do not constitute financial advice. Consult a licensed financial advisor before making investment or borrowing decisions.
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How It Works

Model the CPF Ordinary Account shielding strategy at age 55, retaining savings in the OA at 2.5% interest while meeting the Full Retirement Sum from SA funds to maximise CPF LIFE payouts

Each component has a specific meaning:

  • SA funds — The sa funds recorded for the scenario being assessed.

Note: Interpret the cpf oa shielding result against the thresholds and context described above.

How to Use

Enter the SA funds for the scenario you are assessing. Model the CPF Ordinary Account shielding strategy at age 55, retaining savings in the OA at 2.5% interest while meeting the Full Retirement Sum from SA funds to maximise CPF LIFE payouts. Use the cpf oa shielding result to inform your calculation.

Frequently Asked Questions