Calculators · Singapore · 2026
CPF retirement projector
Project your CPF balances to 55, 60, or 65. See whether you'll hit the Basic, Full, or Enhanced Retirement Sum — and your CPF LIFE monthly payout.
Your inputs
Total CPF at target age
—
RA at 55
—
Monthly CPF LIFE
—
From age 65 (Standard plan).
Retirement sum status
—
—
Balance growth by age
What we assumed
• OA 2.5% + 1% bonus on first $20k. SA / MA / RA 4% + 1% bonus on next $40k (60k combined cap). Age 55+ gets extra 1% on first $30k of RA.
• 2026 Retirement Sums: BRS $110,200 · FRS $220,400 · ERS $440,800. At 55, SA closes and the contents (plus OA up to FRS) transfer to RA.
• CPF LIFE Standard plan monthly payout from 65 is approximated as 0.55% of RA. Use CPF Board's official estimator for precise figures.
Frequently asked
What's the difference between BRS, FRS, and ERS?
BRS gives basic monthly payouts — assumes you own a property. FRS (2× BRS) gives ~1.7× that payout. ERS (4× BRS, new 2025 formula) gives the maximum CPF LIFE tier.
Should I top up SA to hit FRS earlier?
Many do — SA earns 4–5% risk-free and top-ups get tax relief up to $8,000. Once SA reaches FRS, further top-ups earn the bonus interest in RA instead.
Estimates only — not financial advice. Rates, brackets, and grants change; confirm with CPF Board, HDB, or IRAS before making any financial decisions.
Related tools
Take-home pay calculator
See exactly what you take home after CPF and income tax, including your annual bonus. Built on YA 2026 brackets and the Jan 2026 CPF rates.
BTO affordability calculator
See the maximum flat price you can afford, your monthly mortgage under MSR / TDSR, CPF grants applied, and how much cash you'll need upfront.