By MoneyBees
Enter the Retirement Account savings you set aside at 55 and when you want payouts to start. You get an estimated monthly CPF LIFE payout on the Standard Plan, built on CPF Board's published 2026 figures, plus what deferring adds and what the payout is worth after inflation.
Includes any top-ups made by 55. The estimate stops at the S$440,800 ERS.
Your own assumption, used only for the today's-dollars table.
Monthly payout from 65
$1,780
Standard Plan, level for life
A year
$21,360
paid for as long as you live
| If you live to | Total paid out |
|---|---|
| 80 | $320,400 |
| 85 | $427,200 |
| 90 | $534,000 |
| 95 | $640,800 |
CPF LIFE keeps paying past any of these ages. When you die, unused premiums and any RA savings left go to your beneficiaries.
| At age | Buys what this buys today |
|---|---|
| 75 | $1,460 |
| 85 | $1,198 |
| 90 | $1,085 |
At 2% inflation a year. The Escalating Plan starts lower and rises 2% a year to offset this.
For your own figure, use the CPF LIFE Estimator on cpf.gov.sg . It uses your actual balances, birth year and plan.
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| RA at 55 | Monthly from 65 | Monthly from 70 |
|---|---|---|
| $50,000 | $490 | $670 |
| $110,200 (BRS) | $950 | $1,280 |
| $150,000 | $1,250 | $1,670 |
| $220,400 (FRS) | $1,780 | $2,380 |
| $300,000 | $2,380 | $3,170 |
| $440,800 (ERS) | $3,440 | $4,580 |
CPF Board figures for a male member on the Standard Plan, with the RA growing at CPF interest of up to 6% a year.
| Turning 55 in | BRS | FRS | ERS |
|---|---|---|---|
| 2025 | $106,500 | $213,000 | $426,000 |
| 2026 | $110,200 | $220,400 | $440,800 |
| 2027 | $114,100 | $228,200 | $456,400 |
Worked example. You turn 55 in 2026 and set aside the FRS of S$220,400. From 65 the Standard Plan pays about S$1,780 a month, S$21,360 a year. Wait until 70 and CPF puts it at about S$2,380 a month.
It depends on the savings in your Retirement Account and the age you start. For members turning 55 in 2026, CPF Board estimates S$950 a month from 65 with the Basic Retirement Sum, S$1,780 with the Full Retirement Sum and S$3,440 with the Enhanced Retirement Sum, on the Standard Plan.
For members turning 55 in 2026: the Basic Retirement Sum is S$110,200, the Full Retirement Sum S$220,400 and the Enhanced Retirement Sum S$440,800. For 2027 they are S$114,100, S$228,200 and S$456,400.
From 65 at the earliest. You can start any time up to 70. Each year you wait raises your payouts by up to 7%, so starting at 70 pays up to 35% more a month.
It returns CPF Board's own figures at the BRS, FRS and ERS and draws a straight line between them, so it is close for members turning 55 in 2026. Your real payout depends on your birth year, balances and plan. The CPF LIFE Estimator on cpf.gov.sg gives your own figure.
The Standard Plan pays the same amount every month for life. The Escalating Plan starts lower and rises 2% a year for life, which helps as prices go up. The Basic Plan pays less and its payouts fall over time. All three pay for as long as you live.
Yes. You can top up your Retirement Account with cash or CPF transfers up to the Enhanced Retirement Sum, which is S$440,800 for members turning 55 in 2026. You can also start payouts later, up to age 70.
Any premium balance not yet paid out, plus savings left in your Retirement Account, goes to your beneficiaries. CPF Board says the expected bequest should not drive your choice of plan, since nobody knows how long they will live.
You are put on CPF LIFE automatically if you have at least S$60,000 in your retirement savings when payouts start. With less, you can still choose to join. Members with a pension or private annuity that pays at least as much can apply to be exempted.
CPF Board's table is in whole dollars. The calculator interpolates without rounding and shows the result to the nearest dollar. Your real payout depends on your exact balance, interest and plan, which CPF's own estimator uses.
These calculators provide general estimates for educational purposes only and are not personalised financial advice. Results may rely on rates and rules that change over time, so verify against official sources (IRAS, CPF Board, HDB, MAS) or consult a licensed financial adviser before making decisions.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).