Saving for the future is super important, and in Singapore, the CPF (Central Provident Fund) helps a lot with that. If you’re wondering how much your CPF savings will earn in 2025, you’ll be happy to know that the rates are still strong and reliable.
Thanks to steady government policies, CPF interest rates are designed to grow your money safely and steadily. Whether you’re saving for a house, retirement, or healthcare, every month your CPF is quietly building up.
What Are the CPF Interest Rates for 2025?
For this year, the CPF Board has confirmed the interest rates for different types of CPF accounts. Here’s what you’ll get:
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Ordinary Account (OA): 2.5% per year
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Special Account (SA): 4.01% per year
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Medisave Account (MA): 4.01% per year
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Retirement Account (RA): 4.01% per year
On top of these, if your combined CPF balances are below $60,000 (with at least $20,000 in your OA), you can enjoy an extra 1% interest!
How Much Will You Actually Earn Each Month?
Let’s break it down simply with an example:
| CPF Account | Balance (S$) | Interest Rate (%) | Monthly Earnings (Approx.) |
|---|---|---|---|
| Ordinary Account | 20,000 | 2.5% | $41.67 |
| Special Account | 40,000 | 4.01% | $133.67 |
| Medisave Account | 10,000 | 4.01% | $33.42 |
Note: Figures are simplified for easy understanding.
This means that with savings like these, you could easily earn over $200 a month just by keeping your money in CPF!
Who Benefits the Most?
Some people enjoy extra perks without doing anything special:
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Young workers: Early savings grow faster with compound interest.
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Seniors: Get an additional 1% interest on the first $30,000 of CPF savings after age 55.
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Low-income workers: Through government support like Workfare bonuses.
Everyone wins because CPF makes sure your savings work hard for you without risks.
Why CPF is a Safe Way to Save
CPF interest rates don’t move up and down like market stocks or crypto. They are backed by the Singapore government, so your money is safe and guaranteed to grow steadily every month.
This is a big reason why many Singaporeans trust CPF as their main savings tool for major life goals like buying a home or retiring comfortably.
Conclusion
If you’ve been worried about how your CPF savings are doing, 2025 looks pretty good! Your money will continue to grow safely with solid monthly interest.
So keep topping up your CPF whenever you can — your future self will thank you!
FAQs
What is the CPF Ordinary Account (OA) interest rate for 2025?
The OA earns 2.5% yearly interest, credited monthly.
Can I get extra interest on my CPF savings?
Yes, if your total CPF balance is under $60,000, you get an extra 1% bonus interest.
How often is CPF interest paid?
It is calculated monthly but credited into your account once at the end of each year.
Are CPF interest rates fixed?
They are reviewed quarterly, but they rarely change suddenly to protect savers.
Is CPF a good way to save for retirement?
Yes, it’s very safe and earns steady interest, making it a reliable choice for retirement savings.
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Aanchal is a passionate writer with a keen interest in storytelling, content creation, and creative expression. She enjoys exploring diverse topics and crafting engaging narratives that captivate readers.