Calculators · Singapore · 2026
CPF retirement projector
Project your CPF balances to 55, 60, or 65.
Your inputs
Total CPF at target age
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RA at 55
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Monthly CPF LIFE
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From age 65 (Standard plan).
Retirement sum status
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Balance growth by age
What we assumed
• OA 2.5% + 1% bonus on first $20k. SA / MA / RA 4% + bonuses.
• 2026 Retirement Sums: BRS $110,200 · FRS $220,400 · ERS $440,800.
• CPF LIFE Standard plan payout approximated.
Frequently asked
What's the difference between BRS, FRS, and ERS?
BRS gives basic monthly payouts (with property). FRS 2× BRS. ERS 4× BRS.
Should I top up SA to hit FRS earlier?
Many do — SA earns ~4% risk-free and top-ups get tax relief up to $8,000.
Estimates only — not financial advice. Confirm with CPF Board, HDB, or IRAS before making financial decisions.