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.
At 55, CPF opens a Retirement Account (RA) for you, and savings are transferred into it up to your chosen retirement sum. This RA balance later becomes the premium for your CPF LIFE annuity. Since 19 January 2025 the Special Account has been closed for members aged 55 and above, so for this group balances sit in the Ordinary Account, MediSave and the RA.
Each cohort turning 55 has three reference sums. For the 2026 cohort these are the Basic Retirement Sum (BRS, $110,200), the Full Retirement Sum (FRS, $220,400 — set at 2× the BRS) and the Enhanced Retirement Sum (ERS, $440,800 — 4× the BRS since 2025). Setting aside more produces a higher lifelong payout; amounts above your retirement sum can be withdrawn from 55. Setting aside only the BRS is generally tied to owning a property.
Payouts start from the payout-eligibility age of 65, and you can defer the start to as late as 70 — each year of deferral raises the monthly amount. The Standard Plan pays a level monthly amount, while the Escalating Plan starts lower and increases by 2% a year.
While you are still working, contributions keep flowing in. In 2026 the Ordinary Wage ceiling is $8,000 a month and the annual salary ceiling is $102,000. Combined employee-plus-employer rates step down with age — 37% of wages up to 55, 34% to 60, 25% to 65, 16.5% to 70 and 12.5% beyond — which is why the calculator asks for your age and monthly wage.
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 | ~$3,180–3,440/mo |
Interest earned along the way
Between 55 and your payout start, the Retirement Account keeps compounding at these rates:
| Balance | Under 55 | 55 and above |
|---|---|---|
| Ordinary Account (base) | 2.5% | 2.5% |
| Special / MediSave / Retirement Account (base) | 4% floor | 4% floor |
| Extra interest | +1% on first $60,000 (OA share capped at $20,000) | +2% on first $30,000, +1% on next $30,000 |
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. Step by step:
- Set aside the sum. At 55 in 2026, $220,400 (the FRS for this cohort) is transferred into the Retirement Account.
- Earn interest from 55 to 65. The RA earns the 4% floor rate, plus extra interest for members 55 and above: +2% on the first $30,000 and +1% on the next $30,000. On those first two tranches alone that is up to $600 + $300 = $900 of extra interest a year, on top of the base rate.
- Payouts begin at 65. CPF Board's illustrative figure for this cohort on the Standard Plan is about $1,780 a month, payable for life.
- Optional deferral. Choosing a later start — any age up to 70 — leaves the premium earning interest for longer, so the monthly amount is higher once payouts begin.
The same mechanics scale with the sum set aside: roughly $950/month for the BRS and about $3,180–3,440/month for the ERS, on the same illustrative basis.
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)
Common mistakes and good to know
- Many people mix up 55 and 65. Age 55 is when the Retirement Account is created and some withdrawal becomes possible; 65 is when CPF LIFE payouts can start.
- The retirement sums are cohort-based — this page's figures apply to those turning 55 in 2026; check the numbers for your own year.
- The payout figures are illustrative, not fixed amounts. Actual payouts depend on the premium, plan, start age and prevailing actuarial factors.
- It is easy to overlook that the Escalating Plan starts lower than the Standard Plan for the same premium — the 2% annual step-up is the trade-off.
- Deferring to 70 raises the monthly payout, but also means more years with no CPF LIFE income before it starts.
- Since 19 January 2025 there is no Special Account for members 55 and above, so older projections that assume SA balances after 55 are out of date.
How the calculator helps
The PlanLiaoMah CPF calculator models exactly what this page describes. It projects your Ordinary, Special/Retirement and MediSave balances forward using the 2026 contribution rates, wage ceilings and interest floors shown above, then displays the illustrative CPF LIFE payout for the retirement sum you select — BRS, FRS or ERS. Change your age, wage or target sum and the projection updates immediately. It is free, bilingual and requires no sign-up.
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 July 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 $3,180–3,440 (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.