Project your retirement income
Enter your CPF balance and savings rate — see your monthly income at 65.
Enter your details to project your retirement savings
Disclaimer
This calculator provides estimates and should not be viewed as a prediction. Actual retirement income may vary due to changing CPF interest rates, market conditions, and individual circumstances. It is not intended to be your sole source of financial guidance.
Rates last verified: 4 Apr 2026.
Verify with CPF Board (https://www.cpf.gov.sg). Full disclaimer at smartcalculator.sg/disclaimer.
Want a deeper breakdown? Try our specialised retirement calculators →
CPF LIFE Retirement Sums & Monthly Payouts (2026)
For members turning 55 in 2026. Monthly payouts shown are estimated CPF LIFE Standard Plan amounts starting from age 65. Source: CPF Board. Verify current figures at cpf.gov.sg.
| Retirement sum tier | Amount at 55 | Est. monthly payout (from 65) | Notes |
|---|---|---|---|
| Basic Retirement Sum (BRS) | $110,200 | $850–$950 | For members with property pledge |
| Full Retirement Sum (FRS) | $220,400 | $1,640–$1,780 | Default target for most members |
| Enhanced Retirement Sum (ERS) | $440,800 | $3,150–$3,440 | Top-up cap for higher payouts |
Payout ranges depend on your chosen CPF LIFE plan (Standard, Basic, or Escalating) and the year you start payouts. See the CPF LIFE Payout Calculator for your personalised projection.
All Retirement Calculators
Retirement Savings Calculator
Are you saving enough? Enter your monthly savings and expected returns — see if you'll hit your retirement target by your chosen age. Compound interest works both ways.
CPF Life Estimator
How much will CPF LIFE pay you every month? Enter your RA balance at 55 — compare Standard, Escalating, and Basic plan payouts side by side.
SRS Calculator
Contributing to SRS? See your tax savings NOW and your future withdrawal value. Only 50% of withdrawals are taxed after 62 — see the real benefit.
Retirement Income Calculator
Combine all your income sources — CPF LIFE, SRS, investments, rental — and see if your total retirement income meets your target. One number, full picture.
Singapore FIRE Number Calculator
Calculate your Financial Independence number — Singapore-adjusted to include CPF Life offset. Lean, Standard, and Fat FIRE tiers. Years to FI at your current savings rate.
SRS 10-Year Withdrawal Optimizer
Minimize income tax on your SRS withdrawals across the 10-year penalty-free window (age 63–72). Bracket-filling strategy with year-by-year plan.
Singapore's Three-Pillar Retirement System
Retirement in Singapore is built on three pillars — and most people only think about the first one.
Pillar 1: CPF LIFE provides lifelong monthly payouts starting from age 65 (or later if you defer). The amount depends on your Retirement Account balance at 55. For 2026, the Full Retirement Sum is $220,400, the Basic is $110,200, and the Enhanced is $440,800. Deferring payouts increases your monthly amount.
Pillar 2: SRS (Supplementary Retirement Scheme) lets you contribute up to $15,300/year for immediate tax relief. When you withdraw after 63, only 50% of the amount is taxable — a significant long-term advantage most people underuse.
Pillar 3: Personal savings and investments — everything else, from your brokerage portfolio to rental income to cash savings.
The Retirement Income Calculator combines all three pillars so you can see if your total monthly income will meet your target. One number, no guesswork.
Basic Retirement Sum (BRS)
$110,200 (2026)
Full Retirement Sum (FRS)
$220,400 (2026)
Enhanced Retirement Sum (ERS)
$440,800 (2026)
SRS Contribution Cap
$15,300/year
Read the Complete Retirement Planning Guide
Everything you need to plan retirement in Singapore — CPF LIFE plans compared, SRS tax strategies, the FRS vs ERS decision, and how to combine all three pillars for the income you actually want at 65.
Frequently Asked Questions
What is the CPF Full Retirement Sum (FRS) in 2026?expand_more
The CPF Full Retirement Sum for members turning 55 in 2026 is $220,400. The Basic Retirement Sum (BRS) is half the FRS at $110,200, and the Enhanced Retirement Sum (ERS) is 2x the FRS at $440,800. Check your target with the Retirement Savings Calculator.
What is the SRS contribution cap?expand_more
The SRS annual contribution cap is $15,300 for Singapore citizens and PRs, and $35,700 for foreigners. See your tax savings and future value with the SRS Calculator.
When can I withdraw CPF?expand_more
You can withdraw your CPF savings above the Full Retirement Sum at age 55. CPF Life monthly payouts begin at age 65 (or later, depending on your plan). Use the CPF Life Estimator to see your projected monthly payout.