Singapore calculator

Investment Calculator Singapore - 2025

Our free investment calculator helps you make informed financial decisions in Singapore. Whether you are planning your budget, evaluating a loan, or projecting investment growth, our calculator provides accurate results based on Singapore specific rates and regulations.

At a Glance

How much will my investments grow in Singapore?

Investment growth in Singapore benefits from no capital gains tax, tax-free dividends, and the SRS tax deduction. CPF OA (2.5%) and SA (4.08%) provide risk-free compounding. Our investment calculator accounts for these advantages with 2025 tax rates and CPF rules.

Quick Answer

How does compound interest work in Singapore?

Compound interest in Singapore benefits from zero capital gains tax and the SRS tax shield. CPF OA compounds at 2.5% risk-free, SA at 4.08% with preferential rates on the first $60k. SRS contributions of $15,300/year save tax at your marginal rate while growing tax-deferred, with only 50% of withdrawals taxed. Over 30 years, the tax savings from SRS alone can add $50,000-$100,000 to your investment returns at the 7% marginal rate.

Compound Interest Calculator

Calculates future value with compound interest and regular contributions

Inputs

Initial Investment

Monthly Contribution

Annual Return Rate

Investment Period (Years)

Compounds per Year

Results

Investment Results

Future ValueS$113,669.42

Total ContributionsS$70,000.00

Total Interest EarnedS$43,669.42

Effective Annual Rate8.30%

How to Use the Investment Calculator

Follow these simple steps to get accurate results in just a few clicks.

1
Choose your investment vehicle
Select CPF (OA 2.5% or SA 4.08%), SRS (tax-deferred, $15,300/yr cap), or cash investment (no capital gains tax).
2
Enter your starting amount
Input your initial investment in S$, including any lumpsum CPF or SRS transfer.
3
Set your monthly contribution
Include SRS contributions ($1,275/mo max for SC/PR) and monthly CPF contributions that flow to OA.
4
Choose your investment period
Select the number of years. CPF has no lock-in (except Special Account). SRS has a retirement age restriction (63+).
5
Review your projected growth
View total contributions, SRS tax savings, CPF interest compounding, and final balance with Singapore tax advantages.

Investment Growth in Singapore

Project how your investments will grow over time in Singapore. Use our compound interest calculator with regular contribution options and Singapore capital gains tax considerations.

Compound Interest Explained

Compound interest is the eighth wonder of the world. Your money grows exponentially as you earn returns on both your principal and accumulated interest. Start investing early in Singapore to maximize the power of compounding.

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Frequently Asked Questions

What investment options are available in Singapore?

Key options: CPF OA (2.5% risk-free), CPF SA (4.08% risk-free up to $40,000 then 4.08% + 1% extra on first $60k), Singapore Savings Bonds (SSBs, up to 3.3% with capital guaranteed), T-bills (3.5-4%), REITs (5-7% yield), Unit Trusts, and ETFs on SGX (like ES3 for STI index, G3B, and IWDA for global). CPF Investment Scheme (CPFIS) allows investing OA and SA in approved funds.

How are investments taxed in Singapore?

Singapore has NO capital gains tax. Dividend income from Singapore companies is tax-exempt under the one-tier corporate tax system. Interest from approved Singapore banks is tax-exempt. Rental income is taxed at your marginal rate. Foreign-sourced income is generally tax-exempt when received in Singapore. CPF savings earn tax-free interest. This makes Singapore one of the most tax-efficient investment jurisdictions globally.

What is CPF Investment Scheme (CPFIS)?

CPFIS allows you to invest CPF OA and SA savings above the Basic Retirement Sum (currently $99,400 in OA, $40,000 in SA) in approved instruments: shares (STI component stocks, REITs), unit trusts, ETFs, endowment policies, annuities, and gold ETFs. CPFIS-OA also allows investing in T-bills and bonds. Returns must exceed the CPF base rate (2.5% OA, 4.08% SA) to justify the investment risk and fees.

What is the SRS and how does it work?

The Supplementary Retirement Scheme (SRS) is a voluntary tax-deferred account. Contributions are tax-deductible up to $15,300/year (Singapore Citizens/PR) or $35,700/year (foreigners). 50% of withdrawals after retirement age (63+, rising to 64 in 2024) are taxable — effectively creating an automatic 50% tax exemption. SRS can be invested in shares, ETFs, unit trusts, and insurance products.

What is a realistic return for CPF-based investing?

CPF OA earns a base rate of 2.5% (risk-free). SA earns 4.08% with an extra 1% on the first $60,000 combined balance across both accounts. Through CPFIS, potential returns are 5-8% for diversified equity investments, but principal is at risk. The blended portfolio approach: keep a retirement safety net in CPF (2.5-4.08% risk-free) and invest surplus through SRS ($15,300/yr tax deduction) and cash in diversified ETFs for growth.

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Last Updated: June 2026 — Reviewed Against Official Sources

Official Sources

Singapore calculators use data from the following official government agencies:

Inland Revenue Authority of Singapore (IRAS) — Personal income tax rates, reliefs, and rebates.
SingStat (Department of Statistics Singapore) — Economic indicators, wage data, and household statistics.
Ministry of Finance (Singapore) — Fiscal policy, GST rates, and government budget data.
CPF Board — CPF contribution rates, allocation ratios, and withdrawal rules.

Methodology

Our Singapore calculators follow income tax rates, CPF contribution rates, and GST rates published by IRAS and the Ministry of Finance. Economic data is sourced from SingStat and the Department of Statistics. All figures are for educational purposes and should be verified with a qualified professional.

Data Sources

All tax brackets, contribution rates, and economic data used in our calculators are sourced from the official government publications listed above. Rates are updated at least annually to reflect the latest tax year and regulatory changes. Users should verify critical figures with official sources or qualified professionals.

Last updated: June 2026. Information may change; always verify with official sources.