When do CPF LIFE payouts start?

From age 65, for life. The calculator uses the Standard Plan, whose payout stays level.

What is the Full Retirement Sum?

The amount set aside in your Retirement Account at 55: S$220,400 for members turning 55 in 2026. Later years are assumed to rise with inflation.

Does it work for foreigners on a work pass?

CPF applies to Singapore Citizens and Permanent Residents only. Foreigners can still use SRS, with a higher cap than the one used here.

Is my Ordinary Account counted in the income?

No. What stays in the Ordinary Account after 55 is shown separately and not counted in the CPF LIFE income.

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🇸🇬 CPF · CPF LIFE · SRS

Singapore CPF retirement calculator

Your salary and CPF balances: see your CPF LIFE payout from 65, in today’s dollars.

7-day free trial · Not financial advice

Your numbersDrag, click anywhere on a bar, or tap a number to type it

Your age35

Monthly salary

Ordinary Account (OA)

Special Account (SA)

MediSave (MA)S$30,000

Stop work at65

SRS contributionsS$0 / yr

Capped at the Citizen / PR limit.

SRS growth after fees6%

Inflation3%

Estimated income a year from 65

S$15,799CPF LIFE S$15,799

CPF LIFE a month at 65S$1,317

OA left at 65S$591,251

Today’s money: growth 6% and inflation 3% a year by default (both editable). Pots are read as income at 4% a year. Gross, before tax. One Citizen or PR under 55. An estimate, not advice. CPF LIFE Standard Plan; no housing withdrawals.
Illustration, not financial advice. Investments can fall as well as rise.

Move any slider: the figure above updates as you drag.

S$15,799 / yr

Estimated income from 65 · Illustration, not advice

How CPF works

The Central Provident Fund (CPF) is compulsory saving for Singapore Citizens and Permanent Residents. Up to age 55, employees pay 20% of wages and employers 17%, on wages up to S$8,000 a month and S$102,000 a year. The money is split between the Ordinary Account (2.5% interest), the Special Account and MediSave (4%), with extra interest on the first balances.

At 55 a Retirement Account is formed, up to the Full Retirement Sum (S$220,400 for members turning 55 in 2026). From 65 it pays CPF LIFE, a monthly income for life: CPF estimates about S$1,780 a month for the Full Retirement Sum.

The Supplementary Retirement Scheme (SRS) is voluntary: up to S$15,300 a year for Citizens and PRs, tax-deductible, and 50% of each withdrawal is taxed from the statutory retirement age.

What the calculator assumes

It runs the same month-by-month CPF ledger as the Moola app: contributions by age band, the wage ceilings, interest credited each December, the Retirement Account at 55 and CPF LIFE (Standard Plan) at 65. Pay, ceilings and retirement sums rise with inflation, and the payout is shown in today’s dollars. Housing and other withdrawals are not modelled.

The headline figure is the gross yearly income your pensions could give from the age shown, in today’s dollars, so it can be set against what you spend now. The tiles under it show the pot behind that income and a second figure for context. Move any slider to see how a later age, a higher contribution or a different growth figure changes the estimate.

Frequently asked questions

When do CPF LIFE payouts start?: From age 65, for life. The calculator uses the Standard Plan, whose payout stays level.
What is the Full Retirement Sum?: The amount set aside in your Retirement Account at 55: S$220,400 for members turning 55 in 2026. Later years are assumed to rise with inflation.
Does it work for foreigners on a work pass?: CPF applies to Singapore Citizens and Permanent Residents only. Foreigners can still use SRS, with a higher cap than the one used here.
Is my Ordinary Account counted in the income?: No. What stays in the Ordinary Account after 55 is shown separately and not counted in the CPF LIFE income.