The standard CPF Retirement Sum benchmark. Setting aside the FRS in your Retirement Account at age 55 gives you a moderate monthly CPF LIFE payout from 65.
Example: FRS for those turning 55 in 2026 is S$220,400.
The Full Retirement Sum is the benchmark amount of CPF savings that, set aside in your Retirement Account at age 55, gives you a moderate monthly CPF LIFE payout from age 65.
FRS is reviewed annually and grows by roughly 3.5% each year to keep pace with cost-of-living changes and life-expectancy improvements.
For those turning 55 in: 2023 — S$198,800. 2024 — S$205,800. 2025 — S$213,000. 2026 — S$220,400.
The Basic Retirement Sum (BRS) is half of the FRS. The Enhanced Retirement Sum (ERS), which gives the highest CPF LIFE payouts, is 4× the BRS from 2025 onwards.
Your applicable FRS is the one in force in the year you turn 55 — it doesn't get re-indexed afterwards.
Setting aside the FRS at 55 produces an estimated monthly CPF LIFE payout (Standard Plan) of approximately S$1,780 from age 65 for life (CPF's official illustration for the 2026 FRS of S$220,400).
If you hold the FRS in cash equivalents, your RA earns 4% interest (with the first S$30,000 earning an extra 2%). Over the 10 years from 55 to 65, the RA continues to grow before payouts start.
Below FRS: you can withdraw any RA balance in excess of the BRS at 55, provided you own a property with a remaining lease that covers you to age 95.
Above FRS: voluntary top-ups via RSTU let you push toward ERS for larger payouts. Top-ups also qualify for income tax relief of up to S$8,000.
If your OA + SA at 55 exceeds the FRS, the surplus stays in your OA and remains accessible — you don't lose it.
S$220,400 for Singapore Citizens and PRs turning 55 in 2026. The FRS rises annually by roughly 3.5% to keep pace with cost-of-living. Your applicable FRS is the one in force the year you turn 55 — it's fixed at that level for you afterwards.
Approximately S$1,780 monthly under the Standard Plan, starting at age 65 (CPF's official illustration for the 2026 FRS of S$220,400). The exact figure depends on age, gender, and chosen plan. Deferring to age 70 adds roughly 6% per year of deferment.
BRS is half the FRS (allows higher CPF withdrawal at 55 if you own property). ERS is 4× the BRS from 2025 onwards (allows higher voluntary top-ups for bigger CPF LIFE payouts). FRS is the middle reference point — neither the floor nor the ceiling.
Yes — any OA + SA balance above your applicable FRS is withdrawable at 55, regardless of property ownership. If you own property and pledge it, you can withdraw down to the BRS instead.