CPF LIFE & Retirement-Sum Calculator (Singapore)
See illustrative CPF LIFE monthly payouts from 65 for each retirement sum, and project your CPF Ordinary, Special/Retirement and MediSave balances.
Open the free calculator →What you'll need
- Date of birth / age
- Current CPF balances
- Monthly wage (for contributions)
- Chosen retirement sum (BRS/FRS/ERS)
How it works
CPF LIFE pays a lifelong monthly income from your payout-eligibility age (currently 65). The payout depends on how much you set aside in your Retirement Account. The 2026 retirement sums apply to members turning 55 in 2026.
Current Singapore rules
| Sum | Amount (2026) | Payout from 65 (illustrative) |
|---|---|---|
| Basic (BRS) | $110,200 | ~$950/mo |
| Full (FRS) | $220,400 | ~$1,780/mo |
| Enhanced (ERS) | $440,800 | ~$3,440/mo |
Worked example
A member who sets aside the FRS of $220,400 at 55 in 2026 could receive about $1,780/month from age 65 on the Standard Plan. Deferring the payout start age beyond 65 increases the monthly amount, up to age 70.
Important assumptions
- CPF Board illustrative figures — not guaranteed or personalised
- FRS = 2× BRS; ERS = 4× BRS from 2025
- 55 withdrawal and 65 payout start are separate milestones
Cases not fully modelled:
- Exact CPF LIFE premium actuarial calculation
- Voluntary top-ups and their tax relief
- CPF interest beyond officially confirmed periods (projection assumption)
Official sources and verification
- CPF Board — CPF LIFE monthly payouts
- CPF Board — Retirement sums (BRS / FRS / ERS)
- CPF Board — How much CPF contributions to pay
Direct links to the relevant official pages. Rules and rates change; last checked 21 June 2026. Always confirm against the official source.
Open the free calculator →Frequently asked questions
How much CPF LIFE will I get at 65?
For a member turning 55 in 2026 (Standard Plan), CPF Board illustrative payouts from 65 are about $950 (BRS), $1,780 (FRS) and $3,440 (ERS) a month. Illustrative, not guaranteed.
What are the 2026 retirement sums?
BRS $110,200, FRS $220,400 (2× BRS) and ERS $440,800 (4× BRS) for those turning 55 in 2026.
When can I withdraw vs start payouts?
You may withdraw some CPF from 55 after setting aside your retirement sum; CPF LIFE monthly payouts start from your payout-eligibility age (65), which can be deferred to 70.