How much CPF will I have at 65?

Your CPF balance at 65 depends on your salary, contribution rates, and interest earned. Use the SGfi CPF calculator to project your balance based on current 2026 rates.

What is the CPF contribution rate in 2026?

For Singapore citizens aged 55 and below earning above $750/month, the total CPF contribution rate is 37% — 20% from employees and 17% from employers. Rates vary by age group.

How much CPF LIFE payout will I receive monthly?

CPF LIFE payouts depend on your Retirement Account balance at 65. For example, a Full Retirement Sum of $220,400 gives approximately $1,780/month under the Standard Plan.

What is the Full Retirement Sum (FRS) for 2026?

The Full Retirement Sum for 2026 is $220,400. The Basic Retirement Sum (BRS) is $110,200, and the Enhanced Retirement Sum (ERS) is $440,800.

Can I invest my CPF savings?

Yes, you can invest your OA savings above $20,000 and SA savings above $40,000 through the CPF Investment Scheme (CPFIS) in approved instruments like unit trusts, ETFs, and bonds.

CPF Contribution Calculator

Accurately forecast your monthly and annual CPF allocations across Ordinary, Special, and Medisave accounts based on the latest 2026 regulations.

account_balance_walletInput Details

Current Age

Monthly Salary (Ordinary Wages)

Residency Status

Applicable Rates

Age 30, Citizen

Employee: 20.0%Employer: 17.0%Total: 37.0%

Total Monthly Contribution

S$1,850

Employee (20%)

S$1,000

Employer (17%)

S$850

home

62.2% Share

Ordinary Account

S$1,150

Used for housing, insurance, and investment.

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16.2% Share

Special Account

S$300

For old age and retirement-related investments.

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21.6% Share

Medisave Account

S$400

For hospitalization and approved medical insurance.

Est. Total Annual Addition

S$22,200

Based on 12 months of contributions.

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Project Your CPF Growth

Enter your current CPF balances to see projected growth to age 70, including compound interest, bonus interest, and age-55 transitions.

Current OA Balance

Current SA Balance

Current MA Balance

Annual Salary Growth

Find your balances on my cpfopen_in_new

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At Age 55

S$1,234,231

Retirement AccountS$542,980

Ordinary AccountS$519,104

MediSaveS$172,147

FRS (2051)S$520,859

FRS met

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At Age 65 — CPF LIFE

Est. Monthly Payout (Standard)

S$7,820/mo

Basic Plan~S$6,803/mo

Escalating Plan~S$6,021/mo

RA BalanceS$1,101,122

elderly

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Interest vs Contributions

Total Contributions

S$1,008,624

Total Interest Earned

S$1,417,166

Final Balance at 70

S$2,558,750

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CPF LIFE payout estimates are approximate projections based on 2026 reference figures. Actual payouts are determined by CPF Board based on cohort life expectancy and prevailing interest rates. Projections assume constant CPF policies, interest rates, and OW ceiling.

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Your Retirement Income

Estimate your CPF LIFE monthly payouts based on your projected Retirement Account balance. Compare plans and see how deferring your payout start age increases income.

Payout Start Age

Deferring payouts increases your monthly income by ~7% per year

6570

Standard PlanRecommended

S$7,820

per month

Higher fixed payouts for life

Payouts do not change over time

Lower bequest upon death

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Basic Plan

S$6,803

per month

Lower fixed payouts for life

Payouts do not change over time

Higher bequest upon death

Escalating Plan

S$6,021

per month (starting)

Lower starting payouts

Increases 2% yearly to offset inflation

Lower bequest upon death

Retirement Sum Progress

Your projected RA balance at 65 relative to official retirement sums (2026 values).

BRSS$110,200

FRSS$220,400

ERSS$440,800

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Enhanced Retirement Sum

Projected RA at 65: S$1,101,122

Retirement Readiness

CPF LIFE Monthly Income

S$7,820

Standard Plan, starting age 65

Annual Payout

S$93,840

vs. Median Household Expenses

156%

of S$5,000/mo

Based on median monthly household expenditure (retiree)

Withdrawable OA at 55

S$519,104

Above RA minimum, can be withdrawn as lump sum

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How CPF LIFE Works

CPF LIFE provides monthly payouts for life from your Retirement Account. You choose from three plans when you turn 65. Payouts begin at your selected start age (65–70), with higher payouts for later starts.

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Boost Your Payouts

Top up your SA/RA annually (up to $8,000 tax relief), delay payout start age, and transfer OA to SA before 55 for higher interest. Even small top-ups compound significantly over decades.

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Retirement sum figures are based on 2026 values published by CPF Board. Actual retirement sums grow annually and will differ for your cohort. CPF LIFE payout estimates are indicative and based on interpolation from published reference points. Actual payouts depend on cohort pool size, prevailing interest rates, and plan selection. This is not financial advice — consult CPF Board or a licensed advisor for personalized guidance.