GovtSave🇸🇬 SINGAPORE MONEY DESK
All markets
SINGAPORE SAVINGS COCKPIT SGD · 🇸🇬

Make every Singapore dollar work with a plan.

A calmer workspace for CPF interest illustrations, top-up relief checks, a Singapore Savings Bonds ladder and your everyday cash runway.

Open CPF studio Build an SSB ladder Compare payout vs growth
Planner inputs stay in this browser. These tools do not send your financial inputs to GovtSave.
Official-source-led Live scenario tools Browser-only planning
YOUR MONEY, MORE CLEARLY

Four useful views. One clearer money plan.

Start with retirement-system rules, then check tax-relief conditions, future cash access and your everyday safety buffer.

CPF studioBase + extra-interest illustration
Top-up reliefPotential qualifying amount
SSB ladderPlan staggered savings windows
Country-specific planning feature

Savings Cashflow & Reinvestment Lab

Compare an illustrative SGD savings scenario with annual interest paid out or reinvested. This is separate from CPF Interest Studio and the SSB Liquidity Ladder.

Payout vs reinvestment Goal helper CSV-ready report

Shape your scenario

Set your own figures. Amounts use the currency for this market.

Editable

Saved scenarios stay in this browser on this device.

Your comparison

A planning model, not an official balance or quote.

Live estimate
Total planned contributions—Starting amount + planned deposits
Reinvested ending value—Illustrative growth
Payout scenario total*—Includes paid-out interest
Progress towards your target0%

Adjust your assumptions to estimate the remaining gap.

Modelled interest paid out—Accumulative, no extra return on cash payouts
Monthly amount to target—Estimated under the selected assumptions
Year-by-year balance comparison
Reinvested Payout total
How to read this: The model approximates contributions spread through the year. The payout total adds interest paid out to the contributed principal, but assumes those cash payouts earn no further return. Taxes, fees, eligibility and product-specific conditions are not calculated. Check the linked official sources on this page for current product terms.
01 · RETIREMENT SAVINGS

CPF Interest Studio

Change your balances and age band for an educational annual illustration using the published Q4 2026 base rates.

CPF / 01

Your CPF snapshot

Use the balances shown in your latest CPF statement.

Assumes unchanged balances for a full year. It does not reproduce CPF’s daily interest computation, account movements, withdrawals or every eligibility rule.
ILLUSTRATIVE ANNUAL INTEREST

Your estimated interest view

Estimated base interestS$ 2,100Using 2.50% OA and 4.00% SMRA base rates
OA base interestS$ 500
SA / MA / RA base interestS$ 1,600
Illustrative extra interestS$ 600
Base + estimated extra interestS$ 2,700

Extra interest is an estimate based on eligible-balance assumptions. Actual CPF credits can differ.

Know the rule, not just the number

CPF extra interest depends on combined balances, age and an OA cap. Extra interest earned on OA savings is credited to SA or RA under CPF rules.

CPF interest rules
02 · RETIREMENT TOP-UPS

CPF Top-up Relief Explorer

Estimate a cap-only upper bound before looking at your personal tax position and the full eligibility rules.

TAX / 02

Enter planned cash top-ups

Only count amounts that meet CPF and IRAS conditions.

Matching-grant exclusions, eligible accounts and recipients, retirement-sum limits and the overall relief cap may apply. This tool does not verify them.

POTENTIAL QUALIFYING AMOUNT

Relief is not the same as tax saved.

S$ 0

Confirm the requirements before counting any amount as potential relief.

Your own eligible top-upS$ 0 / S$ 8,000
Eligible loved-one top-upsS$ 0 / S$ 8,000
Relief reduces chargeable income when eligible; tax saved depends on your circumstances and the relevant tax year.
Check IRAS conditions
03 · FLEXIBLE GOVERNMENT SAVINGS

SSB Liquidity Ladder Builder

Make a staggered allocation plan for future savings needs—without pretending every issue has the same return.

SSB / 03

Split one savings pot into monthly tranches

Choose a pot and ladder length. The planner groups S$500 units into equal planned tranches; unused cash remains unallocated.

Monthly redemption option
Planned per trancheS$ 1,000S$ 0 left unallocated
Allocated to the ladderS$ 6,000
Not allocatedS$ 0
Tranches6
Important access detail

SSB redemption is not same-day cash. MAS says proceeds and accrued interest are generally paid by the second business day of the following month. Each redemption request has a S$2 transaction fee. Keep immediate emergency money separately, and check the issue-specific step-up schedule.

How SSBs work View official issuance calendar
04 · CASH-FLOW RESILIENCE

Emergency Cash Buffer Meter

Check how many months accessible cash could cover before counting longer-term savings or CPF balances.

CASH / 04

Your essentials snapshot

Use essentials rather than total lifestyle spending.

A configurable planning rule of thumb, not an official government requirement or personal financial advice.

3.0months covered
YOUR CASH RUNWAY

Build towards your target

Your accessible cash covers part of your selected target.

Target bufferS$ 18,000
Gap to targetS$ 9,000

Do not count CPF balances or pending securities redemptions as immediate cash. Access rules and processing times matter.

05 · START WITH YOUR GOAL

Singapore Savings Route Finder

A practical checklist of what to compare next—not a product recommendation.

ROUTE / 05
YOUR NEXT CHECKLIST

Keep immediate needs accessible

For emergencies, begin with cash you can access without waiting for a securities redemption window.

Accessible cashMonthly essentialsUnexpected bills
OFFICIAL RULEBOOK

Go to the source before you act.

Rates, dates and programme terms change. Use official information for the latest rules and issue details.

SOURCES
CPF interest ratesBase rates and extra-interest framework CPF cash top-up reliefConditions, caps and exclusions Singapore Savings BondsStep-up interest, purchases and redemption Auctions & issuance calendarOfficial issue and redemption dates CPF BoardAccount rules and member services MoneySensePublic financial education resources

Educational use only. GovtSave is an independent planning website, not a government agency, bank, tax adviser or investment adviser. Calculator outputs are simplified illustrations and can differ from official calculations. Verify current eligibility, fees, issue terms, tax rules and official records before making a financial decision.

QUICK ANSWERS

Singapore savings questions

Are CPF base rates the same as every saver’s effective return?

No. Published rates apply to specific CPF account types and periods. Extra interest, age, balances, account movements and applicable rules affect the amount credited.

Does top-up relief mean my tax bill falls by that amount?

No. Relief generally reduces chargeable income. Actual tax saved depends on the person’s tax position, qualifying amount, tax year and overall relief limits.

Are Singapore Savings Bonds the same as Treasury bills?

No. SSBs have step-up interest and a monthly redemption option under published terms. T-bills are short-term securities with auction-based yields and different maturity mechanics.

Can I use an SSB as instant emergency cash?

Plan carefully. Redemption proceeds are generally paid by the second business day of the following month. Keep immediate bill money in an account you can access when needed.