OA Payout Planner
Turn your Ordinary Account savings into a steady monthly income, for the number of years you choose.
You could draw
every month from age 65 to 85 (20 years)
Estimated monthly withdrawalYour OA balance as you draw
Interest keeps working on the remaining balance as you withdraw.
Compare shorter and longer payouts
Tap a bar to switch. A shorter period gives you more each month; a longer period stretches your savings further.
Year-by-year breakdown
Show the full schedule
| Age at year end | Opening balance | Interest | Withdrawals | Closing balance |
|---|
Figures are rounded for display. The final payment may need a small rounding adjustment.
How this works
- Your monthly withdrawal is calculated to use up your starting balance and the interest it earns over your chosen period.
- The rate stays fixed in this estimate. Extra CPF interest, inflation and new contributions are not included.
- It assumes the full starting balance is withdrawable and withdrawals happen at month-end. Your actual withdrawal eligibility depends on CPF rules.
Calculation assumptions and CPF interest timing
We convert the annual interest rate to an equivalent monthly rate: r = (1 + annual rate)1/12 − 1. The level monthly withdrawal is P × r ÷ [1 − (1 + r)−n], where P is the starting balance and n is the number of months. At 0% interest, the payment is P ÷ n.
CPF computes interest monthly and credits it annually. Amounts withdrawn do not earn interest in their withdrawal month. This monthly-compounding annuity estimate therefore differs from an exact CPF transaction schedule.
Read CPF’s interest calculation rules ↗