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snowlearning

06 Aug 2026

CPF

How much CPF should someone realistically have by 30 and is comparing against the average actually helpful?

Do you compare your CPF balance against the average, or focus more on whether you’re on track for your own goals?

Curious what people think is a realistic amount by 30.

Discussion (10)

What are your thoughts?

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Focus more on whether your OA, SA and MediSave are growing in line with your housing, healthcare and retirement goals.

For reference, CPF contributions for those aged 55 and below can total up to 37% of salary, including employee and employer contributions, subject to the CPF wage ceilings.

Use this SingSaver CPF guide covering contribution rates, CPF interest rates and what the different CPF accounts are for: https://www.singsaver.com.sg/investment/blog/co...

For me if you’re around 30 and already have a decent 5-figure CPF balance and consistently contributing, I’d say you’re doing okay.

I don't really compare CPF against the average since there are people who will pump extra money into...

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