CPF Planning Tool

Your CPF retirement picture

Enter your details once. Every tab below adjusts to them.

Year of birth

Gender

Retirement Account balance

Target monthly income

Age this year —

Projected RA at 55 —

Your position

Choose your year of birth to begin.

What the three sums mean

Basic Retirement Sum

What CPF estimates covers basic living needs, assuming you own a property you can live in and pay no rent. You may set aside the BRS instead of the FRS if you pledge that property.

Full Retirement Sum

Exactly double the BRS. The default amount moved into your Retirement Account at 55, and the reference point for withdrawal rules. Savings above it can generally be withdrawn from 55.

Enhanced Retirement Sum

The ceiling you may voluntarily top up to for higher payouts. Since 2025 it has been four times the BRS. It is the one sum that does not lock to your cohort.

The distinction that catches most people out. Your BRS and FRS are fixed in the year you turn 55 and never change again. The ERS is not tied to your age or cohort at all — it rises every 1 January and applies to everyone aged 55 and above in that year. So if you turned 55 some years ago, your BRS and FRS come from your own row below, but your ERS is the one on this year's row.

Retirement sums by the year you turn 55

Announced figures from CPF. Your cohort row is marked.

Turn 55 in	Born	BRS	FRS	ERS that year

Projected sums, 2028 onward

CPF has announced figures through 2027 only. Everything past that is an illustration on the growth rate below, not an official number.

Assumed yearly increase 3.5% Budget 2022 set the 2023–2027 increases at 3.5% a year. The longer series since 2003 has averaged about 4.5%.

Turn 55 in	Born	BRS	FRS	ERS

Sources: CPF Board retirement sum tables and Ministry of Finance Budget annexes. Projected rows are estimates produced by this tool and are not CPF figures.

The three CPF LIFE plans

Monthly payout from age 65 through 95. Pick a retirement sum to compare.

Standard — level for life Basic — steps down, largest bequest Escalating — starts lowest, rises 2% a year

Age	Standard	Basic	Escalating

Starting at 65 versus later

Every year you defer raises the payout for life. Nothing is lost by waiting except the payouts you skip.

Start age	Standard	vs 65	Basic	vs 65	Escalating	vs 65

Where the lines cross

Two crossover points decide most of this: when deferring catches up, and when Escalating overtakes Standard.

Deferring to each age — cumulative total received

Start age	Monthly	Break-even age	Total by 85	Total by 90	Total by 95

Where you stand, and how to close a gap

Measured against your own cohort's sums.

Your position

Enter your balances above.

Routes to close a shortfall

Property pledge

If you own a property, you can set aside the BRS rather than the FRS and withdraw the difference. No cash required. Payouts are correspondingly lower.

Cash top-up (RSTU)

Top up your RA with cash for tax relief of up to $8,000 a year for yourself, and another $8,000 for family members. Top up in January rather than December — CPF pays interest on the lowest balance in the year.

CPF transfer

Move OA savings to your RA to earn 4% instead of 2.5%. No tax relief, and the move cannot be reversed, so only transfer what you will not need for housing.

Your income gap

What CPF LIFE covers, and what is left to plan for.

What is left behind

The bequest is any unused premium plus whatever remains in your Retirement Account. Payouts assumed to start at 65.

Standard — level for life Basic — steps down, largest bequest Escalating — starts lowest, rises 2% a year

Age at death	Standard	Basic	Escalating