The CPF retirement sums for 2026 are S$110,200 for the Basic Retirement Sum (BRS), $220,400 for the Full Retirement Sum (FRS) and $440,800 for the Enhanced Retirement Sum (ERS). For 2027 they rise to $114,100, $228,200 and $456,400.
Which figures apply to you depends on the year you turn 55, not on today’s date. Here is how the three sums work, how they are set and what each one changes.
CPF Retirement Sums for 2026 and 2027
| Year you turn 55 | Basic Retirement Sum | Full Retirement Sum | Enhanced Retirement Sum that year |
|---|---|---|---|
| 2023 | $99,400 | $198,800 | $298,200 |
| 2024 | $102,900 | $205,800 | $308,700 |
| 2025 | $106,500 | $213,000 | $426,000 |
| 2026 | $110,200 | $220,400 | $440,800 |
| 2027 | $114,100 | $228,200 | $456,400 |
Figures are from CPF Board and its Budget 2022 schedule.
The sums beyond the 2027 cohort are not covered here. Check CPF Board’s retirement sum page for the latest announcement.
What Each Sum Is For
Basic Retirement Sum. CPF Board describes the BRS as the amount that provides monthly payouts for basic living needs, excluding rent. It assumes you own a home to live in.
Full Retirement Sum. The FRS is twice the BRS. CPF Board calls it an ideal reference point for how much you need in retirement. It is also the amount that moves into your Retirement Account (RA) at 55, if you have it.
Enhanced Retirement Sum. The ERS is four times the BRS. It is the most you may hold in your RA through top-ups, for those who want higher payouts.
None of the three is a target you are made to hit. If you have less than the BRS at 55, CPF Board does not require a cash top-up or a property sale. Your payouts are simply based on what you have.
The short version: The BRS and FRS that apply to you are fixed in the year you turn 55. The FRS is double the BRS. The ERS is four times the BRS, rises every January and is an optional ceiling for top-ups, not a requirement.
Which cohort each sum applies to
This is the part most often misread.
Your BRS and FRS are fixed for life in the year you turn 55. Someone who turned 55 in 2026 keeps $110,200 and $220,400, whatever is announced later. The 2027 figures apply only to members who turn 55 in 2027.
The ERS is different. It applies to everyone aged 55 and above, and it rises each January. A member who turned 55 in 2023 could top up to $298,200 that year, and can top up to $440,800 in 2026 and $456,400 from 1 January 2027.
One more reference matters if you are below 55. The limit for topping up your Special Account is the current year’s FRS: $220,400 in 2026 and $228,200 in 2027. It moves with the calendar, because your own cohort’s FRS has not been fixed yet.
How the Sums Are Set
According to CPF Board, the BRS and FRS are adjusted for each new cohort to account for long-term inflation, longer life expectancy and improvements in living standards.
For the five cohorts turning 55 from 2023 to 2027, the increase was announced in advance at Budget 2022. The BRS rises by about 3.5% a year across those cohorts. You can see it in the table: $110,200 to $114,100 is a rise of about 3.5%.
The FRS follows automatically at twice the BRS.
The ERS changed in 2025. Before that it was three times the BRS, which is why the 2024 figure is $308,700. From 2025 it is four times the BRS, so it jumped to $426,000.
What the Sums Mean in Monthly Payouts
CPF Board publishes estimates for a member turning 55 in 2026 who sets aside each sum and starts CPF LIFE at 65 on the Standard Plan.
| RA savings at 55 (2026) | Estimated monthly payout from 65 |
|---|---|
| $110,200 (BRS) | About $950 |
| $220,400 (FRS) | About $1,780 |
| $440,800 (ERS) | About $3,440 |
These are estimates, not guarantees. CPF Board bases them on current interest rates and life expectancy, and both can change.
The payouts are higher than the sums might suggest because the RA keeps earning interest for the ten years between 55 and 65.
To estimate your own position, use our CPF retirement sum planner. For the choice of payout pattern, see CPF LIFE Standard, Basic or Escalating.
The BRS and Your Property
The BRS matters most to home owners.
Normally, the FRS is what must stay in your RA before you can withdraw more than $5,000. But if you own a property in Singapore with a lease that lasts until you are at least 95, CPF Board allows the property to stand in for up to half the FRS.
In that case you can withdraw RA savings down to your BRS. The withdrawable amount generally excludes interest earned, government grants and top-ups.
There are two costs. Your RA is smaller, so your monthly payouts are lower. And if you later sell the property, the amount withdrawn has to be refunded from the sale proceeds, together with any CPF used for the property plus accrued interest, to restore your RA up to the FRS.
We set out the withdrawal amounts in how much CPF you can withdraw at 55 and 65.
A Quick Example
Take an illustrative member who turns 55 in March 2027 with $150,000 in her Special Account and $120,000 in her Ordinary Account.
Her FRS is the 2027 figure, $228,200. Her RA takes all $150,000 from the Special Account and $78,200 from the Ordinary Account. She is left with $41,800 in her Ordinary Account, which she can withdraw or leave to earn 2.5%.
If she later wants higher payouts, she can top up her RA by up to $228,200 more in 2027, taking it to the ERS of $456,400. That move is irreversible. See topping up your Retirement Account from 55 to 64.
What To Do Next
- Work out which year you turn 55. That year’s BRS and FRS are yours.
- Log in to your CPF Retirement dashboard to see how your savings compare with your FRS.
- Read what happens to your CPF at 55 for the step-by-step sequence.
- If you are below 55 and thinking about top-ups, compare the routes in cash top-ups versus OA-to-SA transfers.
- For the wider plan, see CPF strategies by age.
