CPF at 55 Calculator (2026)
See how your Retirement Account is created, what you can withdraw, and how property pledge works.
What is the CPF at 55 Calculator?
The CPF at 55 Calculator estimates how your Retirement Account is created when you turn 55, how much you can withdraw as a lump sum, and whether a property pledge can lower your minimum set-aside amount. It uses the CPF Board's retirement sum rules for your cohort year.
See what happens to your CPF when you turn 55
Quick Reference
- • RA is created at age 55 using SA savings first, then OA savings up to FRS
- • Property pledge reduces minimum set-aside from FRS to BRS (half the FRS)
- • Excess above required retirement sum can be withdrawn as a lump sum
- • SA closed from January 2025 for members aged 55 and above
What Happens to Your CPF at 55
When you turn 55, CPF creates a Retirement Account (RA) to consolidate your retirement savings. Your SA savings are transferred first, followed by OA savings if needed, up to the Full Retirement Sum (FRS).
If you own a property, you can use a property pledge to reduce the minimum set-aside amount from the FRS to the Basic Retirement Sum (BRS), which is half the FRS. This frees up more savings for withdrawal.
Any CPF savings above the required retirement sum in your RA, OA, and remaining SA (if any) can be withdrawn as a lump sum. The RA balance will be used for CPF LIFE monthly payouts starting from age 65.
Basic Retirement Sum (BRS)
Minimum with property pledge
Half of the FRS
Full Retirement Sum (FRS)
Default set-aside amount without property pledge
Standard retirement target
Enhanced Retirement Sum (ERS)
Voluntary top-up for higher CPF LIFE payouts
3x the BRS
Frequently Asked Questions
What happens to my CPF when I turn 55?expand_more
When you turn 55, a Retirement Account (RA) is created using your savings. Your Special Account (SA) savings are first transferred to the RA. If the SA is not enough to meet the Full Retirement Sum (FRS), savings from your Ordinary Account (OA) are transferred to make up the difference, up to the FRS.
How is my Retirement Account created?expand_more
Your RA is created by first moving all your SA savings into the RA. If this amount is less than the Full Retirement Sum (FRS), CPF will then transfer OA savings to top up the RA, up to the FRS. From January 2025, the SA was closed for members aged 55 and above, so all future contributions for retirement go directly to the RA.
Can I withdraw my CPF at 55?expand_more
Yes. Once your RA has been set aside with at least the Basic Retirement Sum (BRS) — or the Full Retirement Sum (FRS) if you have no property pledge — you can withdraw any excess CPF savings above the required amount. The withdrawable amount includes remaining OA and SA (if any) balances.
What is the property pledge and how does it lower my minimum?expand_more
If you own a property, you can pledge it to lower the amount you need to set aside in your RA from the Full Retirement Sum (FRS) to the Basic Retirement Sum (BRS). The BRS is half of the FRS. This means more of your CPF savings become available for withdrawal at 55.
Can I top up my RA to the Enhanced Retirement Sum (ERS)?expand_more
Yes. You can voluntarily top up your RA up to the Enhanced Retirement Sum (ERS), which is 3 times the BRS. Topping up to a higher retirement sum means larger monthly payouts under CPF LIFE when you reach 65. Cash top-ups to the RA also qualify for tax relief under the RSTU scheme.
Sources
- • CPF Board (cpf.gov.sg) — Retirement Account creation rules, withdrawal policies, and property pledge scheme
- • CPF Board — BRS, FRS, and ERS amounts by cohort year