The Fifth C

Will I Reach the Full Retirement Sum (FRS)?

Project your CPF balances year-by-year from today to retirement. Check if you are on track to meet the Full Retirement Sum (FRS) of $220,400 in 2026, and get an estimate of your CPF LIFE monthly payout.

CPF Retirement Planner

Project your CPF balances to retirement

FRS Status at Age 55

✓ FRS Met

FRS = $220,400

CPF Balance at 65

$1,498,402

OA: $657,393 · SA: $394,754

Est. CPF LIFE Payout

$1,570/month

Approx. from age 65 · Basic Plan estimate

Balance Projection

30
$61,420
35
$189,837
40
$339,699
45
$515,134
50
$720,972
55
$963,498
60
$1,227,946
65
$1,498,402
Show full year-by-year projection
AgeOASAMATotalAnnual Contrib.
30$34,302$13,999$13,119$61,420$22,200
31$48,962$18,158$18,443$85,563$22,200
32$63,988$22,483$23,980$110,451$22,200
33$79,390$26,981$29,738$136,109$22,200
34$95,177$31,659$35,727$162,563$22,200
35$111,358$36,524$41,955$189,837$22,200
36$126,745$42,183$49,032$217,960$22,200
37$142,517$48,068$56,392$246,977$22,200
38$158,683$54,189$64,047$276,919$22,200
39$175,253$60,555$72,008$307,816$22,200
40$192,237$67,175$80,287$339,699$22,200
41$209,646$74,060$88,897$372,603$22,200
42$227,490$81,220$97,852$406,562$22,200
43$245,780$88,667$107,165$441,612$22,200
44$264,528$96,412$116,851$477,791$22,200
45$283,744$104,466$126,924$515,134$22,200
46$302,240$113,445$137,999$553,684$22,200
47$321,198$122,783$149,517$593,498$22,200
48$340,630$132,494$161,496$634,620$22,200
49$360,548$142,594$173,954$677,096$22,200
50$380,964$153,098$186,910$720,972$22,200
51$399,490$166,122$200,684$766,296$22,200
52$418,479$179,667$215,009$813,155$22,200
53$437,943$193,754$229,907$861,604$22,200
54$457,894$208,404$245,401$911,699$22,200
55$478,343$223,640$261,515$963,498$22,200
56$496,656$238,674$277,534$1,012,864$18,000
57$515,426$254,309$294,193$1,063,928$18,000
58$534,666$270,569$311,519$1,116,754$18,000
59$554,387$287,480$329,538$1,171,405$18,000
60$574,601$305,067$348,278$1,227,946$18,000
61$590,352$321,626$366,367$1,278,345$9,900
62$606,497$338,847$385,180$1,330,524$9,900
63$623,045$356,757$404,745$1,384,547$9,900
64$640,007$375,383$425,093$1,440,483$9,900
65$657,393$394,754$446,255$1,498,402$9,900

Projection assumes constant salary and contribution rates. OA earns 2.5% p.a., SA and MA earn 4% p.a. CPF LIFE payout is an estimate — actual payouts depend on RA balance and scheme chosen. Not financial advice.

Understanding CPF LIFE

CPF LIFE (Lifelong Income For the Elderly) is a national annuity scheme that provides Singaporeans with a monthly income for life from age 65. You are automatically enrolled if your RA balance meets a minimum threshold.

Payouts depend on your RA balance at age 65. Setting aside the FRS ($220,400) provides the standard payout. The ERS ($440,800) gives about double. The Standard Plan provides higher payouts but less bequest; the Basic Plan is the reverse.

Related Calculators

CPF Contribution Calculator Know your monthly CPF contributions OA/SA/MA Breakdown How allocations shift with age FIRE Calculator CPF LIFE in your FIRE plan HDB Affordability Using CPF OA for housing

2026 Retirement Sums

BRS Basic Retirement Sum
$110,200

If you have pledged property

FRS Full Retirement Sum
$220,400

Standard target

ERS Enhanced Retirement Sum
$440,800

For higher CPF LIFE payouts

CPF Retirement — Frequently Asked Questions

What is the CPF Full Retirement Sum (FRS) in 2026?
The Full Retirement Sum (FRS) for 2026 is $220,400. Members who turn 55 in 2026 need this amount in their Retirement Account to receive a basic monthly payout from CPF LIFE from age 65. The Basic Retirement Sum is $110,200 and the Enhanced Retirement Sum is $440,800.
How much CPF LIFE payout will I receive?
CPF LIFE payouts depend on your Retirement Account balance at age 55 and the plan you choose. Under the Standard Plan, a member with the 2026 FRS of $220,400 can expect roughly $1,500–$1,600 per month from age 65. Higher balances up to the ERS of $440,800 can provide over $2,500 per month.
What happens to my CPF Special Account at age 55?
At age 55, CPF creates a Retirement Account (RA). Your SA and OA savings (up to the FRS) are transferred into the RA. If your SA already exceeds the FRS, only the FRS amount is transferred. Funds in excess of FRS can be withdrawn.
Can I withdraw my CPF at 55?
From age 55, you can withdraw CPF savings above the Basic Retirement Sum (BRS), provided the BRS is met in the RA or property pledge. A minimum withdrawal of $5,000 is available regardless of RA balance. Full flexibility on CPF OA and SA balances above BRS.
What interest rate does my CPF earn?
The Ordinary Account earns a base interest of 2.5% per annum. The Special Account, MediSave Account, and Retirement Account earn 4% per annum. The first $60,000 of combined CPF balances earns an extra 1% interest (capped at $20,000 for OA). Members aged 55+ earn an additional 1% on the first $30,000 of RA balances.