CPF Calculator: Project Your Balance, Retirement Sum & CPF LIFE Payout

It depends on salary, age, and contribution history. For example, a 30-year-old Singapore Citizen earning S$5,000/month with 3% annual salary growth can expect approximately S$1,000,000–S$1,200,000 in total CPF balances by age 55, and S$2,000,000–S$2,200,000 by age 65, assuming current 2026 interest rates (OA: 2.5%, SA: 4.0%, MA: 4.0%). Use the SGfi CPF calculator above to project balances based on your actual salary and age.

For Singapore Citizens aged 55 and below earning above S$750/month, the total CPF contribution rate is 37% of gross salary — 20% from the employee and 17% from the employer. Rates decrease in stages after age 55: 34% for ages 55–60, 25% for ages 60–65, 16.5% for ages 65–70, and 12.5% for ages above 70. Permanent Residents follow graduated rates depending on PR year (1st, 2nd, or 3rd year and beyond).

The CPF Ordinary Wage (OW) ceiling is S$8,000 per month as of 2026. This means CPF contributions are calculated on a maximum of S$8,000 of monthly salary, even if gross pay exceeds this amount. The Annual Salary Ceiling is S$102,000, and the total CPF Annual Limit (across Ordinary and Additional Wages) is S$37,740.

Your CPF LIFE monthly payout depends on the retirement sum you set aside at 55. On the Standard Plan, CPF publishes these figures: setting aside the Basic Retirement Sum (S$110,200) pays S$950 a month from 65, the Full Retirement Sum (S$220,400) pays S$1,780, and the Enhanced Retirement Sum (S$440,800) pays S$3,440. CPF publishes those figures for a male member on the Standard Plan, and states that males receive higher payouts than females, as they have a shorter average life expectancy. CPF does not publish a payout table for female members, so SGfi does not show one: a female member's payout is lower than the figures above, and CPF's Retirement Payout Planner can give you your own figure from your CPF records. Those sums keep growing in your Retirement Account between 55 and 65, which is why a S$220,400 sum set aside at 55 becomes about S$330,100 by 65 and still pays S$1,780. Deferring the start age from 65 to 70 raises the payout by about a third, so the Full Retirement Sum pays S$2,380 from 70. The calculator above estimates your own payout from your projected balance; where your figure falls between CPF's published rows, SGfi interpolates, and you can check the result against CPF's Retirement Payout Planner.

The CPF Retirement Sums for members turning 55 in 2026 are: Basic Retirement Sum (BRS) S$110,200, Full Retirement Sum (FRS) S$220,400, and Enhanced Retirement Sum (ERS) S$440,800. The sums are cohort-based — the amounts above apply to the 2026 cohort, and the figures are raised for each later cohort to keep pace with living costs. Once you turn 55, the sum set for your cohort is the one that applies to you; it does not rise afterwards.

The Full Retirement Sum (FRS) for members turning 55 in 2026 is S$220,400 — exactly twice the Basic Retirement Sum of S$110,200. The FRS is the amount set aside in your Retirement Account by default when you turn 55; CPF savings above it can be withdrawn as a lump sum. The FRS is cohort-based: the figure that applies to you is the one published for the year you turn 55, and it stays fixed from then on. Enter your age and salary in the calculator above to see whether your projected balance reaches the FRS by 55.

The Basic Retirement Sum (BRS) for the 2026 cohort is S$110,200, half the Full Retirement Sum. It funds monthly payouts for basic living needs, excluding rent. You may set aside the BRS rather than the FRS if you own a property with a remaining lease that lasts you to at least age 95 — the property stands in for the other half of your retirement income. Setting aside less means a smaller CPF LIFE payout, which the calculator above lets you compare.

The Enhanced Retirement Sum (ERS) for the 2026 cohort is S$440,800 — twice the Full Retirement Sum. It is the ceiling you can voluntarily top your Retirement Account up to, in exchange for higher CPF LIFE payouts for life. Topping up beyond the FRS is optional; the trade-off is that the money is committed to lifelong payouts rather than available as a lump sum. Cash top-ups also qualify for tax relief, subject to the annual cap.

"CPF Minimum Sum" is the former name for what is now called the CPF Retirement Sum — the scheme was renamed in 2016, so "Minimum Sum" is no longer the official term, though many people still search for it. In today's terms, the figure most people mean by the CPF Minimum Sum is the Full Retirement Sum, which is S$220,400 for members turning 55 in 2026. The lower Basic Retirement Sum of S$110,200 applies if you own a property with a sufficient remaining lease.

No. The retirement sums are cohort-based: the BRS, FRS and ERS published for the year you turn 55 are the figures that apply to you, and they do not increase in later years even though the sums announced for younger cohorts do. This is why the retirement sum that applies to you depends on your year of birth. The calculator above projects your balance to age 55 so you can see where you land against your own cohort's sum.

For Singapore Citizens aged 35 and below, contributions are split roughly 62.17% to the Ordinary Account (OA), 16.21% to the Special Account (SA), and 21.62% to the MediSave Account (MA). The OA share decreases with age while the MA share increases — by age 60–65 the OA share is just 14% and MA is 42%. After age 55, the SA is closed and balances are transferred to the Retirement Account (RA).

Permanent Residents follow graduated CPF contribution rates. In the 1st year of PR status, total contributions can be as low as 4% employer + 5% employee. In the 2nd year these rise to 9% + 15%. By the 3rd year and beyond, PR contribution rates match Singapore Citizens at 17% employer + 20% employee for those aged 55 and below. Employers may opt for full rates from the 1st year via joint application with the employee.

The CPF Ordinary Account (OA) earns 2.5% per annum (the floor rate). The Special Account (SA), MediSave Account (MA), and Retirement Account (RA) earn 4.0% per annum (the floor rate). Members below 55 earn an extra 1% on the first S$60,000 of combined balances (with up to S$20,000 from OA). Members aged 55 and above earn an extra 1% on the first S$30,000 and an additional 1% on the next S$30,000 of combined balances. Interest rates are reviewed quarterly by the CPF Board.

From 2025 onwards, the Special Account (SA) is closed when a member turns 55. SA savings are first transferred to the newly created Retirement Account (RA) up to the Full Retirement Sum. Any remaining SA balance flows to the Ordinary Account, where it can be withdrawn or kept earning OA interest. From age 55, ongoing CPF contributions that previously went to SA are allocated directly to the RA instead.

CPF savings are generally locked until age 55. Limited withdrawals before 55 are allowed for specific purposes such as housing (HDB and private property under the Public/Private Housing Scheme), approved investments (CPFIS), insurance, education (CPF Education Scheme), and approved medical expenses. From age 55, members can withdraw a lump sum above their Full Retirement Sum, and CPF LIFE payouts begin from the chosen start age (between 65 and 70).

Mandatory employee CPF contributions are tax-exempt — they are deducted from gross salary before income tax is computed. Voluntary cash top-ups to your own Special / Retirement Account or MediSave (under the Retirement Sum Topping-Up Scheme) qualify for tax relief of up to S$8,000 per year. An additional S$8,000 relief is available for top-ups made to family members’ CPF accounts. Total personal income tax relief from all sources is capped at S$80,000 per year.