CPF Retirement Sum Planner

Will you reach the Basic, Full or Enhanced Retirement Sum by 55? See the gap or surplus.

Projected Ordinary + Special Account at 55–

Year you turn 55: –
Ordinary Account at 55: –
Special Account at 55: –

Against The Retirement Sums For Your Year

Retirement sum	Amount	Your shortfall or surplus

The sums for your year are not announced. These are estimates using your assumed yearly increase.

What CPF Estimates Each Sum Pays

Set aside at 55 in 2026	Amount	Monthly payout from 65
Basic Retirement Sum	$110,200	about $950
Full Retirement Sum	$220,400	about $1,780
Enhanced Retirement Sum	$440,800	about $3,440

These are the CPF Board's published estimates for members turning 55 in 2026: a male member on the CPF LIFE Standard Plan, payouts starting at 65. CPF says they may be adjusted. They are shown for a sense of scale, not as a forecast for you. For your own figure, use the official CPF Monthly Payout Estimator.

What The Retirement Sums Are

When you turn 55, CPF opens a Retirement Account for you. Savings from your Special Account, and then your Ordinary Account, are moved into it up to the Full Retirement Sum for that year. Those savings later pay for your monthly payouts under CPF LIFE.

There are three reference amounts. The Full Retirement Sum (FRS) is $220,400 for members turning 55 in 2026 and $228,200 in 2027. The Basic Retirement Sum (BRS) is half of that. The Enhanced Retirement Sum (ERS) is four times the BRS and is the most you can choose to top up to.

This planner grows your balances at current CPF rates, currently 2.5% and 4% a year plus extra interest, adds your monthly contributions and compares the result with the three sums. The more you set aside, the higher your estimated lifelong payout. Money in the Retirement Account is reserved for payouts and cannot be taken out as a lump sum.

Assumptions And Limits

The retirement sums for members turning 55 in 2026 and 2027 are the published figures. Sums for later years have not been announced and are under review. The tool grows them from the 2027 figure at the yearly increase you enter. The default of 3.5% is the rate used for the 2023 to 2027 cohorts. It is an assumption.
Savings grow at the CPF rates for 1 October to 31 December 2026 (2.5% on the Ordinary Account, 4% on the Special and MediSave Accounts) plus extra interest, held for every year. Rates are reviewed quarterly; the 4% floor currently runs until 31 December 2027.
Contributions stay level until 55. Pay rises, changes in allocation as you age, housing payments from your Ordinary Account, withdrawals and top-ups are left out. Enter Ordinary Account contributions net of your housing instalment.
MediSave savings above the 2026 Basic Healthcare Sum are treated as flowing to your Special Account. Leave the MediSave fields at 0 to ignore this.
The monthly payout figures are the CPF Board's own published estimates for members turning 55 in 2026 (male, CPF LIFE Standard Plan, payouts from 65). They are not calculated by this tool and will differ for other cohorts, women, other plans and other start ages.
At 55, only savings up to the Full Retirement Sum move to your Retirement Account automatically. Reaching the Enhanced Retirement Sum takes a voluntary top-up. Property pledges and withdrawals at 55 are not covered.

This calculator was built with AI tools from published rules and may contain errors. Results are estimates for education only, not financial advice and not a guarantee. Rates and rules change; confirm with the official source before you act. Your figures stay in your browser: nothing you type is sent to us.

CPF Retirement Sum Planner

Your CPF Today

Going In Each Month Until 55

MediSave (Optional)

Future Retirement Sums

Against The Retirement Sums For Your Year

What CPF Estimates Each Sum Pays

What The Retirement Sums Are

Assumptions And Limits

Sources

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