Project your CPF Retirement Account at 55, estimate your CPF LIFE monthly payout from 65, and compare the Standard, Escalating and Basic plans, based on your actual OA and SA balances rather than just one of them.
Same Retirement Account balance, three different payout shapes. CPF Board locks your plan choice 30 days after your first policy letter, so it's worth understanding the trade-off before then.
Not to be confused with the BRS/FRS/ERS toggle above: that's how much goes into your Retirement Account. This is how it pays out once it's there. CPF LIFE's "Basic Plan" below and the "Basic Retirement Sum" above are two different things that happen to share a name.
At age 55, CPF combines your Special Account balance with money from your Ordinary Account, up to your Full Retirement Sum, to form your Retirement Account. Your Special Account then closes for good, this is a one-time sweep, not an ongoing merger, so from 55 onward there's no more SA: just OA, Retirement Account, and MediSave. Anything above the cap stays in your Ordinary Account, where it remains accessible and doesn't affect your CPF LIFE payout. Many simpler calculators skip this step and look only at your Special Account, which understates the payout for anyone with a meaningful OA balance.
Your Full Retirement Sum also isn't fixed. CPF Board raises it most years, so the amount that applies to you depends on the year you actually turn 55, not today's figure. This calculator projects your Full Retirement Sum forward using CPF Board's historical growth rate of roughly 3.5% a year, and grows your Retirement Account with ongoing contributions the same way CPF does.
You're also not locked into FRS. If you own a Singapore property with a lease lasting to at least age 95, you can pledge it and set aside only the Basic Retirement Sum, half of FRS, keeping the difference in cash instead. Or top up beyond FRS toward the Enhanced Retirement Sum, double FRS, for a higher payout. The BRS/FRS/ERS toggle above recalculates everything on this page for whichever one applies to you.
The contribution rates, allocation ratios, and wage ceilings used here reflect CPF Board's tables effective 1 January 2026, taken directly from CPF Board's published documents rather than third-party summaries, which sometimes disagree with each other and with CPF Board itself.