新加坡储蓄债券收益计算器
估算持有新加坡储蓄债券1至10年的利息与金融管理局平均回报。默认SBOCT26（GX26100Z），也可粘贴其他发行的票息。
Minimum $500, in multiples of $500, up to $200,000 per issue.
You may redeem any month without penalty. Average return and total interest assume you hold whole years.
SBOCT26 / GX26100Z
Leave blank to use SBOCT26. To model another MAS issue, paste 10 annual coupon percentages separated by commas.
持有期估算
SSB pays interest every six months. Coupons are not automatically reinvested in the bond. MAS average returns are compounded averages linked to SGS yields (small rounding differences of up to 0.03% can appear). Not investment advice.
逐年明细
| 年 | 票息 | 平均回报 | 当年利息 | 累计利息 |
|---|
关于这个新加坡储蓄债券收益计算器
Singapore Savings Bonds are MAS-issued, individual-only bonds you can buy through DBS, OCBC or UOB (or SRS). You start with as little as $500, earn a step-up coupon for up to 10 years, and can exit in any month without capital loss.
This page defaults to SBOCT26 (GX26100Z), issued 1 October 2026. Year-1 coupon is 1.65%, year-10 is 3.01%, and the published 10-year average return is 2.32%. Holding $10,000 for 10 years pays $2,348 of cash interest (the sum of the annual coupons), then returns the $10,000 principal.
Interest is credited every six months. The “average return” column is MAS’s compound average if you hold for that many years — it is not the simple average of coupons, and it is not a promise that coupons are reinvested. Paste another issue’s 10 coupons to remodel; the page then estimates averages geometrically (MAS may differ by up to 0.03% from rounding).
Applications close on the fourth-last business day of the month. Allotment can be pro-rated when an issue is oversubscribed. This is not a live MAS feed.
Not investment advice. Confirm on mas.gov.sg/ssb. Coupons change every issue.
如何使用
- Enter a multiple of $500.
- Choose how many whole years you expect to hold.
- Optional: paste 10 coupons from a later MAS announcement.
- Read total interest, average return, and the year table.
关键术语与概念
Coupon is the interest rate paid in that year, in two half-yearly instalments.
Average return is the MAS compound average if you hold through that year.
Redemption returns principal plus accrued interest the following month, with no penalty.
常见用途
- Comparing a 2-year hold versus 10 years on the same issue.
- Checking cash interest on a $30,000 SRS subscription.
- Pasting next month’s coupons when MAS announces them.
示例
Example 1 — $10,000, 10 years, SBOCT26. Interest $2,348. Average 2.32%.
Example 2 — $10,000, 1 year. Interest $165. Average 1.65%.
Example 3 — $500, 10 years. Interest $117.40.
重要说明
Not investment advice. SSB is one cash-like option among T-bills, deposits and SGS.
Issue coupons change monthly. Refresh from MAS before applying.
Allotment is not guaranteed.
常见问题
What is the 10-year average return for SBOCT26?
2.32% p.a. if held 10 years. Year-1 coupon is 1.65%. $10,000 held 10 years receives $2,348 of interest.
Do I lose money if I redeem early?
No. MAS returns principal plus accrued interest. You simply miss later step-up coupons.
Is interest compounded inside the bond?
No. Coupons are paid out every six months. The average-return column is a MAS compound average of the coupon path, not automatic reinvestment.
What is the minimum investment?
$500, in multiples of $500, up to $200,000 per issue (subject to the individual aggregate cap MAS publishes).
Can I model a future issue?
Yes. Paste ten coupon percentages from the MAS announcement. Averages are then estimated geometrically.
Is this the same as the compound-interest calculator?
No. That tool is a generic compounding formula. This one uses SSB coupon tables and MAS hold-period averages.
When is interest paid?
Every six months on the issue’s payment dates (for SBOCT26, 1 April and 1 October).
Is this MAS advice?
No. Confirm on the Singapore Savings Bonds website. Coupons can differ each month.