See what you will have at 55, 65 and after. Estimate your CPF LIFE payouts, check this year's retirement sums, plan SRS withdrawals and test how long your savings last.
Your monthly CPF LIFE payout from your RA at 55, on CPF Board's 2026 figures, with what deferring to 70 adds and the 2025 to 2027 retirement sums.
Open calculatorTax saved by an SRS top-up up to the S$15,300 cap, the projected balance, and the tax when you withdraw from your penalty-free age of 62, 63 or 64.
Open calculatorYour FIRE number, years to reach it, Coast FIRE number and how long savings last, with CPF LIFE payouts and inflation built in.
Open calculatorThe 2026 Basic, Full and Enhanced Retirement Sums, the CPF LIFE payout CPF Board gives for each, and what you can withdraw at 55 from your own OA and SA balances.
Open calculatorTax on SRS withdrawals: 50% taxable from your penalty-free age of 62, 63 or 64 over up to 10 years, or fully taxed plus a 5% penalty if you withdraw early.
Open calculatorSee what the HDB Lease Buyback Scheme gives you in 2026: the RA top-up each owner needs, cash of up to S$100,000, the LBS bonus and an estimate of your CPF LIFE payout.
Open calculatorSee your Silver Housing Bonus for right-sizing to a 3-room or smaller flat at 55 or older: net sale proceeds, the up to S$60,000 RA commitment and the cash bonus of up to S$40,000.
Open calculatorCheck if you qualify for the Matched Retirement Savings Scheme in 2026 and the grant on your cash top-up: up to S$2,000 a year, S$20,000 in a lifetime.
Open calculatorWhat your nominees get back from CPF LIFE if you pass away: the premium minus payouts received, by plan and age, and when the refund runs out.
Open calculatorHow much more CPF you can withdraw at 55 by pledging your property and setting aside only the Basic Retirement Sum, and how much lower your CPF LIFE payouts will be.
Open calculatorCompare putting cash into SRS or topping up your CPF Special or Retirement Account: tax relief, value at 65, SRS withdrawal tax and the extra CPF LIFE payout for life.
Open calculatorCheck which CPF rules let you set aside less than the Full Retirement Sum at 55, or none of it, and how much you could withdraw: property pledge, pension or annuity, medical grounds or the S$5,000.
Open calculatorCount down to the day your SRS withdrawals stop carrying the 5% penalty, at 62, 63 or 64 by your first contribution date, and see your 10-year withdrawal window.
Open calculatorPlan SRS withdrawals over the 10-year window: tax year by year with half of each withdrawal taxable, the S$40,000 tax-free amount and when to start.
Open calculatorSee where your Special Account savings go when it closes at 55, how much moves to the OA at 2.5% instead of 4%, the interest difference over the years and what you could move to the RA.
What the Basic, Full and Enhanced Retirement Sums are for 2026, how each one turns into a monthly CPF LIFE payout for life, and what actually happens to your CPF when you turn 55.
Your CPF payout in 2026 ranges from about $950 to $3,440 a month for life. Here is how CPF LIFE works out the number, by sum, plan and start age.
At 55 you can take out at least $5,000, plus everything above your Full Retirement Sum. Here is exactly how the maths works in 2026, with the property option and CPF LIFE timing.
How CPF voluntary contributions and Retirement Sum top-ups work in 2026, the tax relief you get, the deadline to claim it, and how a top-up turns into a bigger CPF LIFE payout for life.
The average Singaporean's CPF balance by age, using the latest 2025 CPF Board data, plus what those numbers mean for hitting your retirement sum.
The current CPF interest rates for OA, SA, MA and RA, how the extra 1% and 2% interest tiers work, and how CPF computes and credits the interest that quietly compounds your retirement savings.
A CPF property pledge lets you set aside the FRS with half cash, half home, and withdraw the rest at 55. The 2026 rules, limits and the payout you give up.
Turning 64 doesn't end your job. Here's what actually changes: re-employment rights, CPF rates, EAP payouts, SRS tax rules and your CPF LIFE payout date.
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