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CPF LIFE calculator: your payout from 65

The 2026 Full Retirement Sum (FRS) is S$220,400 for members turning 55 in 2026, with a Basic Retirement Sum (BRS) of S$110,200 and an Enhanced Retirement Sum (ERS) of S$440,800. Setting aside the FRS at 55 pays an estimated S$1,780 a month from age 65 on the CPF LIFE Standard Plan, about S$950 for the BRS and S$3,440 for the ERS (CPF Board figures, June 2026). CPF has announced the sums up to members turning 55 in 2027.

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Estimates from CPF's published tables · Last updated: October 2026

CPF retirement sums by the year you turn 55

At 55, CPF sets aside savings in your Retirement Account (RA) to pay CPF LIFE from 65. The amount depends on the year you turn 55. The Full Retirement Sum is the default; property owners whose lease lasts to at least 95 can set aside the Basic Retirement Sum instead, and anyone 55 or older can top up to the Enhanced Retirement Sum.

CPF Basic, Full and Enhanced Retirement Sums, by year of turning 55
Turning 55 in Basic Retirement Sum (BRS) Full Retirement Sum (FRS) Enhanced Retirement Sum (ERS)
2025 Announced by CPF S$106,500 S$213,000 S$426,000
2026 Announced by CPF S$110,200 S$220,400 S$440,800
2027 Announced by CPF S$114,100 S$228,200 S$456,400
2028 Projection S$118,100 S$236,200 S$472,400
2029 Projection S$122,200 S$244,400 S$488,800
2030 Projection S$126,500 S$253,000 S$506,000
2031 Projection S$130,900 S$261,800 S$523,600
2032 Projection S$135,500 S$271,000 S$542,000

Source: CPF Board, FRS table. Your sums stay fixed once you turn 55. Rows marked Projection are Perfingo projections, not CPF figures: Projected from the average 3.5% a year increase in the BRS from 2022 to 2027. CPF announces each cohort's sums a few years ahead; this is not an official figure. They assume the FRS stays 2 times and the ERS 4 times the BRS. How we project.

CPF LIFE payout calculator

Estimate your CPF LIFE payout

Tell us your age and what you plan to set aside at 55. We estimate your monthly payout from 65 on the Standard Plan.

Turning 55 in 2026: FRS S$220,400.

Your CPF LIFE estimate will appear here

Fill in the calculator above and hit Estimate my payout. You'll see:

  • Your retirement sums for the year you turn 55
  • What goes into your Retirement Account at 55
  • An estimated monthly payout range from 65

CPF LIFE estimate

Estimate
Estimated monthly payout from 65, Standard Plan
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An estimate, not your actual payout.
You turn 55 in
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RA savings at 55 used
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Top-ups counted
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Retirement sums

Basic Retirement Sum (BRS)-
Full Retirement Sum (FRS)-
Enhanced Retirement Sum (ERS)-

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An estimate, not financial advice. The range interpolates between CPF's published payout figures for the Standard Plan: the upper figure follows CPF's June 2026 table (for a male member), the lower figure follows the low end of CPF's 2025 payout ranges. From S$50,000 to just under S$60,000 only the June 2026 table has a figure, so you see one figure. Your actual payout depends on your gender, plan, top-up timing and CPF's rates. Check the official CPF LIFE Estimator before you decide anything.

Worked example

Illustrative only. Someone aged 54 in 2026 turns 55 in 2027, when the Full Retirement Sum is S$228,200.

  • Setting aside the FRS of S$228,200 gives an estimated S$1,720 to S$1,840 a month from 65.
  • Topping up S$50,000 more at 55 (RA S$278,200) lifts that to S$2,070 to S$2,220.
  • The most they can top up to is the ERS of S$456,400, which is four times the BRS.

How the estimate works

CPF publishes payouts for set amounts in the RA at 55 rather than a formula. We read your amount between CPF's published points.

  • The age you turn this year sets the year you turn 55, which sets your BRS, FRS and ERS. CPF has announced them up to 2027; for later years we show projected sums, labelled as projections (how).
  • Top-ups are counted as if made at 55 and capped at the ERS. A top-up made later earns less interest before 65, so this reads a little high for it.
  • CPF's tables already assume your RA keeps earning interest from 55 to 65, so we add no growth of our own.

CPF LIFE payout by Retirement Account savings at 55

Estimated CPF LIFE Standard Plan monthly payouts (CPF Board, for a male member)
RA savings at 55 RA savings at 65 Monthly payout from 65 Monthly payout from 70
S$50,000 S$82,400 S$490 S$670
S$110,200 S$170,100 S$950 S$1,280
S$150,000 S$227,900 S$1,250 S$1,670
S$220,400 S$330,100 S$1,780 S$2,380
S$300,000 S$445,600 S$2,380 S$3,170
S$440,800 S$650,100 S$3,440 S$4,580

Source: CPF Board, How much CPF payouts can I get every month? CPF assumes interest of up to 6% a year grows the RA after 55, and may adjust payouts for long-term changes in interest rates or life expectancy.

CPF interest on your retirement savings

CPF interest that grows the Retirement Account
Rule Rate
Retirement Account (RA), 1 Oct to 31 Dec 2026 4% a year
Floor on Special, MediSave and Retirement savings 4% a year, extended to 31 Dec 2027
Extra interest, aged 55 and above 2% on the first S$30,000 and 1% on the next S$30,000 of combined balances (OA counts up to S$20,000)
Extra interest, below 55 1% on the first S$60,000 of combined balances (OA counts up to S$20,000)

Sources: CPF interest rates, extra interest. From 2025 your Special Account (SA) closes at 55: SA savings move to the RA up to the FRS, and the rest moves to your Ordinary Account (OA) (CPF Board).

How we project the sums after 2027

CPF announces each cohort's retirement sums a few years ahead. For anyone turning 55 after 2027, we project the BRS from its own history: the average yearly increase from 2022 to 2027 was 3.5% (compound annual growth over the 5 yearly increases). The projected BRS is the 2027 BRS grown at that rate, rounded to the nearest S$100 as CPF does.

Basic Retirement Sum by year of turning 55, announced by CPF
Turning 55 in BRS Change on the year before
1 Jul 2015 to 2016 S$80,500 First year of the scheme
2017 S$83,000 +3.1% (over 18 months)
2018 S$85,500 +3.0%
2019 S$88,000 +2.9%
2020 S$90,500 +2.8%
2021 S$93,000 +2.8%
2022 S$96,000 +3.2%
2023 S$99,400 +3.5%
2024 S$102,900 +3.5%
2025 S$106,500 +3.5%
2026 S$110,200 +3.5%
2027 S$114,100 +3.5%
  • The FRS stays 2 times and the ERS 4 times the BRS, as under today's rules.
  • Projected payouts keep today's CPF LIFE payout per dollar: we read your amount against CPF's 2026 payout table at the same position relative to your cohort's sums. That holds only if CPF's interest rates and life expectancy assumptions stay where they are.
  • Projected payouts are in future dollars. We also show them in today's dollars, assuming prices rise 2% a year, the rate in CPF's own example that S$1,000 a month today is about S$1,500 in 20 years.
  • None of this is an official figure. CPF's announcement replaces it when it comes.

Sources: CPF Board, BRS table, CPF LIFE (inflation example).

How the CPF LIFE rules have changed

Rules change, and the date that counts is usually when you sign, apply or earn the income. This calculator uses the rules in force today; upcoming changes are listed so you can see what applies later.

  1. Upcoming

    Retirement sums for members turning 55 in 2027

    BRS S$114,100, FRS S$228,200, ERS S$456,400. The BRS is up 3.5% from S$110,200. Announced in Budget 2022 (18 Feb 2022).

    Applies to: Members turning 55 in 2027

    Source: CPF Board: How much is my Basic Retirement Sum?
  2. Upcoming

    4% interest floor extended to end-2027

    Announced on 22 Sep 2026: the 4% floor on Special, MediSave and Retirement Account savings continues from 1 Jan to 31 Dec 2027.

    Applies to: Interest earned in 2027

    Source: CPF Board: 4% interest rate floor extended to 31 December 2027
  3. In force

    Retirement sums for members turning 55 in 2026

    BRS S$110,200, FRS S$220,400, ERS S$440,800. The BRS is up 3.5% from S$106,500. Announced in Budget 2022 (18 Feb 2022).

    Applies to: Members turning 55 in 2026

    Source: CPF Board: How much is my Basic Retirement Sum?
  4. In force

    4% interest floor on retirement savings extended to end-2026

    Special, MediSave and Retirement Account savings earn at least 4% a year from 1 Jan to 31 Dec 2026.

    Applies to: Interest earned in 2026

    Source: CPF Board: 4% interest rate floor extended to 31 December 2026
  5. In force

    Special Account closed at 55

    SA savings of members 55 and over moved to the RA up to the FRS; the rest moved to the OA. Members turning 55 later have their SA closed when their RA is created.

    Applies to: Members aged 55 and above from 19 Jan 2025, and everyone turning 55 after

    Source: CPF Board: Closure of Special Account and other CPF enhancements (19 Jan 2025)
  6. In force

    Enhanced Retirement Sum raised to 4 times the BRS

    The ERS rose from 3 to 4 times the BRS (2 times the FRS): S$426,000 in 2025, up from S$319,500 under the old rule. Announced in Budget 2024.

    Applies to: Top-ups to the RA from 1 Jan 2025, for members 55 and over

    Source: CPF Board: Closure of Special Account and other CPF enhancements (19 Jan 2025)
Show earlier changes (11)
  1. Earlier

    Retirement sums for members turning 55 in 2025

    BRS S$106,500, FRS S$213,000, ERS S$426,000. The BRS is up 3.5% from S$102,900. Announced in Budget 2022 (18 Feb 2022).

    Applies to: Members turning 55 in 2025

    Source: CPF Board: How much is my Basic Retirement Sum?
  2. Earlier

    Retirement sums for members turning 55 in 2024

    BRS S$102,900, FRS S$205,800, ERS S$308,700. The BRS is up 3.5% from S$99,400. Announced in Budget 2022 (18 Feb 2022).

    Applies to: Members turning 55 in 2024

    Source: CPF Board: How much is my Basic Retirement Sum?
  3. Earlier

    Retirement sums for members turning 55 in 2023

    BRS S$99,400, FRS S$198,800, ERS S$298,200. The BRS is up 3.5% from S$96,000. Announced in Budget 2022 (18 Feb 2022).

    Applies to: Members turning 55 in 2023

    Source: CPF Board: How much is my Basic Retirement Sum?
  4. Earlier

    Retirement sums for members turning 55 in 2022

    BRS S$96,000, FRS S$192,000, ERS S$288,000. The BRS is up 3.2% from S$93,000. Announced in Budget 2020 (18 Feb 2020).

    Applies to: Members turning 55 in 2022

    Source: CPF Board: Retirement sums for members turning 55 from 2017 to 2022 (PDF)
  5. Earlier

    Retirement sums for members turning 55 in 2021

    BRS S$93,000, FRS S$186,000, ERS S$279,000. The BRS is up 2.8% from S$90,500. Announced in Budget 2020 (18 Feb 2020).

    Applies to: Members turning 55 in 2021

    Source: CPF Board: Retirement sums for members turning 55 from 2017 to 2022 (PDF)
  6. Earlier

    Retirement sums for members turning 55 in 2020

    BRS S$90,500, FRS S$181,000, ERS S$271,500. The BRS is up 2.8% from S$88,000.

    Applies to: Members turning 55 in 2020

    Source: CPF Board: Retirement sums for members turning 55 from 2017 to 2022 (PDF)
  7. Earlier

    Retirement sums for members turning 55 in 2019

    BRS S$88,000, FRS S$176,000, ERS S$264,000. The BRS is up 2.9% from S$85,500.

    Applies to: Members turning 55 in 2019

    Source: CPF Board: Retirement sums for members turning 55 from 2017 to 2022 (PDF)
  8. Earlier

    Retirement sums for members turning 55 in 2018

    BRS S$85,500, FRS S$171,000, ERS S$256,500. The BRS is up 3.0% from S$83,000.

    Applies to: Members turning 55 in 2018

    Source: CPF Board: Retirement sums for members turning 55 from 2017 to 2022 (PDF)
  9. Earlier

    Retirement sums for members turning 55 in 2017

    BRS S$83,000, FRS S$166,000, ERS S$249,000. The BRS is up 3.1% from S$80,500.

    Applies to: Members turning 55 in 2017

    Source: CPF Board: Retirement sums for members turning 55 from 2017 to 2022 (PDF)
  10. Earlier

    Retirement sums for members turning 55 from 1 Jul 2015 to 2016

    BRS S$80,500, FRS S$161,000, ERS S$241,500. The first cohort of the Basic, Full and Enhanced Retirement Sums, which replaced the Minimum Sum.

    Applies to: Members turning 55 from 1 Jul 2015 to 31 Dec 2016

    Source: CPF Board: How much is my Full Retirement Sum?
  11. Earlier

    Enhanced Retirement Sum set at 3 times the BRS

    The ERS, the most members 55 and over can top up their RA to, is 3 times the BRS (1.5 times the FRS): S$241,500 for the first cohort. Set when the Basic, Full and Enhanced Retirement Sums started.

    Applies to: Top-ups to the RA from 1 Jul 2015 to 31 Dec 2024

    Source: CPF Board: Committee of Supply Speeches 2015, CPF highlights

Good to know

CPF LIFE and retirement sum questions

How much is the CPF Full Retirement Sum in 2026?

The Full Retirement Sum (FRS) is S$220,400 for members turning 55 in 2026. It is double the Basic Retirement Sum (BRS) of S$110,200, and rises to S$228,200 for members turning 55 in 2027.

Source: CPF Board: How much is my Full Retirement Sum?

How much will I get from CPF LIFE every month?

If you set aside the 2026 FRS of S$220,400 at 55, CPF estimates about S$1,780 a month from age 65 on the CPF LIFE Standard Plan. The BRS gives about S$950 and the Enhanced Retirement Sum (ERS) about S$3,440, based on CPF's figures for a male member.

Source: CPF Board: How much CPF payouts can I get every month?

What are the CPF retirement sums after 2027?

CPF has announced the retirement sums up to members turning 55 in 2027, when the BRS is S$114,100. Later years are not announced yet. The calculator projects them from the BRS's average increase of 3.5% a year from 2022 to 2027, and labels every projected figure as a projection, not an official CPF figure.

Source: CPF Board: How much is my Basic Retirement Sum?

What is the Enhanced Retirement Sum (ERS) in 2026?

The ERS is S$440,800 in 2026, the most you can top up your Retirement Account (RA) to once you are 55 or older. From 2025 the ERS is double the current year's FRS, which is four times the BRS.

Source: CPF Board: What is the current Enhanced Retirement Sum?

What happens to my CPF Special Account at 55?

Your Special Account (SA) closes when you turn 55. SA savings move to your new Retirement Account (RA) up to the FRS, and any remaining SA savings move to your Ordinary Account (OA).

Source: CPF Board: Closure of Special Account for members aged 55 and above

When do CPF LIFE payouts start?

CPF LIFE payouts can start from age 65, and you can defer them to as late as 70 for up to 7% more for each year deferred, or up to 35% in total. You are included automatically if you are a Singapore Citizen or Permanent Resident born in 1958 or after with at least S$60,000 in retirement savings when payouts start.

Source: CPF Board: Receive lifelong monthly payouts with CPF LIFE

Sources

Last updated: October 2026. Every figure on this page comes from the CPF Board. Rules change, so check the official CPF LIFE Estimator for your own payout.

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