Singapore CPF Retirement Sum Calculator

For 2026, the CPF Board sets the Basic Retirement Sum (BRS) at 110,200 dollars, the Full Retirement Sum (FRS) at 220,400 dollars (exactly twice the BRS), and the Enhanced Retirement Sum (ERS) at 440,800 dollars. These sums apply to members turning 55 in 2026 and set the CPF LIFE payout tier your balance can support.

From 1 January 2025, the CPF Board raised the ERS ceiling from 3 times the BRS to 4 times the BRS, letting members top up to a higher CPF LIFE payout in retirement. Before that date the ERS was 3x BRS. Some older calculators and PDFs still show the 3x figure, so double check any source you use is current for 2025 and 2026.

The calculator compounds your current balance annually at 4%, the CPF interest rate that applies to Special, MediSave and Retirement Account monies, and adds your expected annual contribution at the end of each year until you turn 55. If you are already 55 or older, no projection is shown because the CPF Board sets your retirement sum at 55 based on your balance at that point, not a future one.

Before age 55, use your combined Ordinary Account and Special Account balance, since both are swept into your new Retirement Account at 55. From age 55 onward, use your Retirement Account balance directly. This calculator treats whatever figure you enter as the amount being measured against the three retirement sums.

No, deliberately. The CPF Board does not publish the formula that converts an arbitrary retirement sum balance into a CPF LIFE monthly payout; it only publishes payouts at the standard BRS, FRS and ERS anchor points for a given cohort. Any calculator that shows you a precise monthly payout for a custom balance is interpolating and presenting a guess as a fact. For a reliable payout estimate, use the official CPF LIFE Estimator at cpf.gov.sg.

If your balance meets or exceeds the ERS, this calculator shows all three sums as met with a shortfall of zero to each. You have reached the highest CPF LIFE payout tier the scheme currently allows; contributing further to your Retirement Account beyond the ERS is not permitted.

No. This tool only computes where your numbers currently sit and projects a compounding balance; it does not recommend a savings rate, a top-up amount, or any other course of action. For advice tailored to your retirement plans, speak to a licensed financial adviser or use the planning tools at cpf.gov.sg.

The Basic Healthcare Sum (BHS) is the 2026 ceiling on your MediSave Account, set at 79,000 dollars; it is separate from the three retirement sums and caps how much you need to keep in MediSave for healthcare needs rather than for CPF LIFE payouts. It is included here for reference because it is set annually alongside the retirement sums and is often confused with them.