CPFIS vs CPF-OA Calculator Singapore 2026
Compare investing via the CPF Investment Scheme (CPFIS) against leaving your CPF-OA savings to compound at the guaranteed 2.5–3.5% interest rate.
$
$
$
% p.a.
yrs
Leave in CPF-OA (2.5–3.5%)
$504,041
Invest via CPFIS (6%)
$598,152
CPFIS outperforms OA by$94,111
VerdictInvest (at 6% return)
CPF-OA rate note: First S$20,000 in OA earns 3.5% p.a. (extra 1%). The break-even CPFIS return is approximately 3.5% if your OA balance is below S$20,000, or 2.5% above that. After fees, CPFIS products must consistently beat 2.5–3.5% to justify the investment.
The CPFIS Math: What You Need to Beat
CPF-OA earns 2.5% p.a. on balances above S$20,000 and 3.5% p.a. on the first S$20,000 (extra 1%). This is a risk-free, guaranteed, tax-free return. For CPFIS to be worthwhile, your chosen investment must consistently return more than 2.5–3.5% p.a. after all fees. Low-cost index ETFs tracking global markets have historically cleared this bar over 15–20+ year horizons, but most actively managed unit trusts have not.