CPF Retirement Sum Calculator (2026)
See your BRS, FRS, and ERS amounts based on the year you turn 55.
What is the CPF Retirement Sum Calculator?
The CPF Retirement Sum Calculator shows your Basic Retirement Sum (BRS), Full Retirement Sum (FRS), and Enhanced Retirement Sum (ERS) based on the year you turn 55. These amounts, set by the CPF Board, determine how much you need in your Retirement Account for CPF LIFE payouts.
infoYou will turn 55 in 2045. Retirement sums are set in the year you turn 55.
Enter your birth year to see your estimated CPF retirement sums
Quick Reference
- • Retirement sums grow by approximately 3.5% per year per cohort
- • ERS = 3x the BRS; FRS = 2x the BRS
- • Property pledge reduces required set-aside from FRS to BRS
- • Cash top-ups to RA qualify for up to $8,000 tax relief (self) under RSTU
How CPF Retirement Sums Work
When you turn 55, CPF creates a Retirement Account (RA) and sets aside savings up to your applicable retirement sum. The amount you need depends on which tier you fall under — and this is determined by the year you turn 55.
There are three tiers. The Basic Retirement Sum (BRS) is the minimum if you pledge a property to CPF. The Full Retirement Sum (FRS) is the standard amount without a property pledge. The Enhanced Retirement Sum (ERS) is the maximum — 3 times the BRS — for those who want higher CPF LIFE payouts.
Retirement sums grow by approximately 3.5% per year for each new cohort. This means younger workers will have higher nominal retirement sum targets, adjusted for inflation and rising costs of living in Singapore.
Basic Retirement Sum (BRS)
Minimum amount with property pledge
Lowest tier, lowest CPF LIFE payouts
Full Retirement Sum (FRS)
Standard amount, no property pledge needed
Default tier for most Singaporeans
Enhanced Retirement Sum (ERS)
Maximum amount — 3x the BRS
Highest CPF LIFE monthly payouts
Frequently Asked Questions
What is the difference between BRS, FRS, and ERS?expand_more
The Basic Retirement Sum (BRS) is the minimum amount you need if you pledge a property. The Full Retirement Sum (FRS) is the standard amount for those without a property pledge. The Enhanced Retirement Sum (ERS) is the maximum you can set aside for higher CPF LIFE payouts — it is 3 times the BRS. Each tier provides different monthly payout levels under CPF LIFE.
How much do the retirement sums grow each year?expand_more
CPF retirement sums increase by approximately 3.5% per year for each new cohort turning 55. This adjustment accounts for inflation and rising living costs. The amounts are fixed based on the year you turn 55 — once set, your retirement sum target does not change.
What happens if I don't meet the Full Retirement Sum?expand_more
If you do not meet the FRS at age 55, CPF will automatically transfer available savings from your Special Account and Ordinary Account into your Retirement Account up to the FRS. If you still fall short, you can continue working and contributing, make voluntary top-ups, or pledge a property to reduce the required amount to the BRS.
Can I top up my CPF to the Enhanced Retirement Sum?expand_more
Yes, you can make voluntary cash top-ups to your Retirement Account up to the ERS. This is done through the CPF Retirement Sum Topping-Up Scheme. You can also enjoy tax relief of up to $8,000 per year for topping up your own account, and an additional $8,000 for topping up a loved one's account.
When are the retirement sum amounts set for me?expand_more
Your retirement sum amounts (BRS, FRS, ERS) are determined and fixed in the year you turn 55. CPF Board announces the amounts for each cohort, and once set, they do not change for your cohort. This means the amounts that apply to you depend on your birth year.
Sources
- • CPF Board (cpf.gov.sg) — BRS, FRS, and ERS amounts by cohort year
- • CPF Board — Retirement Sum Topping-Up Scheme (RSTU) and property pledge rules