CPF & Retirement in Singapore
How CPF works in Singapore, and what it leaves you with at the end — how each month’s contribution splits across your Ordinary, Special and MediSave accounts, what the retirement sums mean for your cohort, and how CPF LIFE turns those savings into monthly payouts from 65. Everything here runs in your browser.
CPF Calculator
Project your CPF balances across OA, SA and MediSave to age 65, see where you land against your cohort’s retirement sum, and estimate your CPF LIFE monthly payouts.
Open CPF CalculatorRetirement · FIRERetirement Calculator
See what CPF LIFE covers of the monthly spend you want in retirement, size the gap it leaves, and see what a portfolio would sustain at a withdrawal rate you set.
Open Retirement CalculatorCPF · Housing refundAccrued-interest refund
Work out the CPF principal plus accrued interest you would need to refund to your CPF if you sell a property bought with CPF savings, and what is left of your sale proceeds.
Open Accrued-Interest CalculatorWhat CPF & Retirement covers on SGfi
CPF is three things at once: a payroll deduction, a savings account split three ways, and, from 55, a retirement income. The CPF Calculator is where those meet: it takes your age and salary, applies the contribution and allocation rates, and projects the balances forward to 55 and 65 so you can see the retirement sum and CPF LIFE payout they would fund. The two panels below are the reference layer behind it — the definitions, and the official figures.
CPF terms, defined
Plain-English definitions of the terms the figures rest on — what each account does, what the three retirement sums mean, and how CPF LIFE pays out.
Official CPF figures, sourced
The CPF section of the SGfi rates reference carries the contribution rates by age, the wage ceilings and annual limit, the interest floors, and the retirement sums — each row linked to the CPF Board page it was verified against.
CPF rates & figuresInformational only, not financial advice. Confirm current figures with the CPF Board before acting on them.