Compound Interest Calculator Singapore 2026
Calculate how your savings or investment grows with compound interest. Add regular monthly, quarterly, or annual contributions and benchmark against Singapore rates — CPF OA/SA, SSB, T-bills, STI ETF, and global equities.
Final Balance
S$14,908.33
Total Deposited
S$10,000.00
Interest Earned
S$4,908.33
Year-by-Year Breakdown
| Year | Balance | Deposited | Interest |
|---|---|---|---|
| 1 | S$10,407.42 | S$10,000.00 | S$407.42 |
| 2 | S$10,831.43 | S$10,000.00 | S$831.43 |
| 3 | S$11,272.72 | S$10,000.00 | S$1,272.72 |
| 4 | S$11,731.99 | S$10,000.00 | S$1,731.99 |
| 5 | S$12,209.97 | S$10,000.00 | S$2,209.97 |
| 6 | S$12,707.42 | S$10,000.00 | S$2,707.42 |
| 7 | S$13,225.14 | S$10,000.00 | S$3,225.14 |
| 8 | S$13,763.95 | S$10,000.00 | S$3,763.95 |
| 9 | S$14,324.72 | S$10,000.00 | S$4,324.72 |
| 10 | S$14,908.33 | S$10,000.00 | S$4,908.33 |
Compounding in Singapore — CPF, Savings Accounts & Investments
Compounding is the core principle behind every savings and investment vehicle in Singapore. Understanding the effective compound rate — and how frequently interest is credited — lets you make accurate comparisons between CPF, savings accounts, T-bills, and equity investments.
| Product | Rate | Frequency | S$10K → 20yr | Risk |
|---|---|---|---|---|
| CPF OA | 2.5% | Monthly | S$16,386 | None |
| CPF SA | 4.0% | Monthly | S$21,911 | None |
| SSB / T-bill | ~3.5% | Semi-annual | S$19,898 | Very low |
| OCBC 360 (max) | ~7.65% | Monthly | S$43,420 | Qualifying conditions |
| STI ETF | ~6% | Market | S$32,071 | Medium |
| VWRA (global) | ~8% | Market | S$46,610 | Medium-High |
The Power of Starting Early
The most powerful variable in compounding is time — not the rate. Consider two investors both earning 7% p.a.:
Investor A starts at age 25, invests S$500/month until age 55 (30 years). Final balance: S$567,000.
Investor B starts at age 35, invests S$1,000/month until age 55 (20 years). Final balance: S$520,000 — less than Investor A despite contributing twice as much per month and the same total dollars.
This is why starting any savings habit early — even with a small amount — matters far more than optimising the rate or waiting until you can afford larger contributions.