Singapore rates
6-month T-bill cut-off yield
Source: MAS auction results · 34 published readings on record, 5 Jun 25 to 10 Sep 26 · Open the full 6-month T-bill cut-off yield page
Change pills and trend lines show direction only — teal for a rise, red for a fall — and are not a view on whether a move helps or hurts you. A trend, range or chart appears only where the publishing authority releases a time series; single-value figures such as the SGS yield curve are left blank rather than estimated. The trend and range cover the last 12 months for a rate published quarterly or more often, and the full published record for a yearly one — hover a cell for the exact window. Always check the official source before relying on any figure.
Open any rate in full
Each rate has its own page with the complete breakdown, the published history and a calculator where one applies.
CPF interest rates
What your Ordinary, Special, MediSave and Retirement accounts earn each year — including the extra interest on your first balances.
CPF contribution rates
How much you and your employer put into CPF each month. The split steps down as you move through the senior-worker age bands.
Full Retirement Sum
The amount set aside in your Retirement Account at 55 to fund CPF LIFE payouts from 65. It steps up about 3.5% each cohort year.
T-bill rate
The cut-off yield from the latest 6-month and 1-year Singapore Treasury bill auctions — a short, government-backed place to park cash.
Singapore Savings Bond rate
The step-up return on the current SSB tranche. Lock in for up to 10 years, redeem any month with no penalty.
SGS bond yield
What Singapore Government bonds pay across every tenor from 2 to 50 years — the long end of the government's borrowing curve, with a fixed coupon paid twice a year.
SORA
The Singapore Overnight Rate Average — the benchmark most SGD home loans are now priced against, published daily by MAS.
HDB loan rate
The concessionary interest rate on an HDB housing loan — pegged just above the CPF Ordinary Account rate and reviewed each quarter.
COE price
What it costs to own a vehicle in Singapore for 10 years. Premiums are set by open bidding twice a month, and every successful bidder in a category pays the same price.
How the rates compare
| Rate | Current | Time horizon | Access to money | Backed by | Typically used by |
|---|---|---|---|---|---|
| CPF interest | 2.50% – 4.00% | While in CPF | Restricted | Government | Everyone with CPF |
| CPF contribution | 37% of wages | Monthly | Auto-deducted | — | Employees & employers |
| Full Retirement Sum | SGD 220,400 | From age 55 | CPF LIFE at 65 | Government | Retirement planning |
| T-bill | 1.90% | 6–12 months | At maturity | Government | Short-term cash |
| Singapore Savings Bond | 2.45% avg | Up to 10 years | Any month | Government | Flexible long savers |
| SORA | 1.25% | Floating | Benchmark | MAS published | Home loan borrowers |
| HDB loan rate | 2.60% | Loan tenure | — | HDB | HDB flat buyers |
| SGS bond | 1.87% – 2.61% | 2–50 years | Sell on the market | Government | Long-term fixed income |
| COE | SGD 130,001 | 10 years | Not refundable | LTA | Vehicle buyers |
Which rate applies to what?
Pick the situation closest to yours and go straight to the number behind it.
See exactly how much leaves your salary for CPF each month, and how the split changes with age.
CPF contribution ratesKnow the BRS, FRS and ERS targets for your cohort, and what each means for CPF LIFE payouts.
Full Retirement SumThe concessionary rate, pegged just above the CPF OA rate — and how it compares to a bank loan.
HDB loan rateThe benchmark your floating rate moves with, so you can see where repayments are heading.
SORAThe cut-off yield set at each MAS auction of 6-month and 1-year Treasury bills.
T-bill rateStep-up interest over up to 10 years; each bond can be redeemed in any month without penalty.
Singapore Savings BondFixed coupons twice a year on Singapore Government Securities running from 2 up to 50 years.
SGS bond yieldWhat the certificate costs at the latest bidding exercise, and what renewal costs when it expires.
COE priceOfficial sources, nothing in between.
Every figure on this page is taken from the authority that publishes it — the CPF Board, the Monetary Authority of Singapore, HDB and the Land Transport Authority — and is refreshed as each new rate is released.
History is shown only where the authority publishes a series. Where a rate is released as a single current value, the trend and range columns stay blank instead of carrying an estimate.
Common questions
CPF interest is reviewed every quarter. CPF contribution rates change on 1 January when adjusted. T-bill yields are set at each auction, about every two weeks. SSB rates are announced monthly with each new tranche. SORA is published daily by MAS, and COE premiums are set at two bidding exercises a month by LTA.
Important Disclaimer
For educational and informational purposes only. This page summarises a range of Singapore interest rates and figures — CPF interest and contribution rates, the CPF retirement sums, T-bill and Singapore Savings Bond yields, SGS bond yields, SORA, the HDB loan rate and COE premiums — drawn from official sources including the CPF Board, the Monetary Authority of Singapore (MAS), HDB and the Land Transport Authority (LTA). Headline figures are current as published and are summaries only; open each linked page for the full breakdown, methodology and history.
No warranty of accuracy. While Money Snap takes reasonable care to source figures from official authorities, this page is provided "as is" without any express or implied warranty as to accuracy, completeness, timeliness, or fitness for any particular purpose. These rates change at different frequencies — SORA daily, T-bills roughly fortnightly, COE twice monthly, Savings Bonds monthly, CPF interest and the HDB loan rate quarterly and CPF contribution rates annually — so figures shown may be out of date. Always verify the latest figures on the official source before relying on them.
Not financial advice. Information provided is general in nature only and does not take into account your personal objectives, financial situation, or needs. Nothing here constitutes financial, tax or legal advice, and use of this page does not create an advisory relationship. Colour and direction indicators describe movement in a published number and are not a recommendation. For decisions, obtain advice from a professional licensed by the Monetary Authority of Singapore.
Limitation of liability. To the maximum extent permitted by law, Money Snap accepts no liability for any loss, damage, cost, or expense — direct or indirect — arising from reliance on this page or the information it produces. Use of this page is subject to our Terms of Use.
Official data sources
CPF, SGS, SORA, HDB and COE figures · latest reading dated 22 Sep 2026 · Verified September 2026