CPF LIFE Calculator

Under 55, this model transfers SA first, then OA, up to that year's projected Full Retirement Sum (FRS) to form your Retirement Account (RA); any leftover stays in OA. At 55 or older, CPF has already done that transfer for you, so the RA balance you enter is used directly instead. Retirement Sums after 2027 (not yet announced by CPF) are assumed to rise 3.5% a year. Interest uses CPF's floor rates of 2.5% (OA) and 4% (SA/RA), which the Government has guaranteed until 31 December 2027 and this model assumes continue after that. On top of these, CPF also pays extra interest on smaller balances — an extra 1%/yr on the first $60,000 of combined OA and SA (or RA) savings, and a further 1%/yr on the first $30,000 once you're 55 or older — and this model includes that bonus. Your MediSave (MA) balance is for reference only here — under CPF's own rules it's last in line for that bonus interest (after OA and SA/RA), so it doesn't change any figure on this page. Yearly contributions use the OA/SA amounts you set, held flat — they don't follow CPF's age-banded allocation rates or pay rises. From 55, your SA closes and moves into your RA up to the Full Retirement Sum, with any excess going to your OA. The monthly payout is estimated by scaling your projected RA-at-65 against CPF Board's own published reference points — the RA balances members following the Basic, Full and Enhanced Retirement Sum path are projected to hold at 65, and the matching 2026-cohort Standard Plan payout examples at each ($950 / $1,780 / $3,440, among other published points) — interpolated in between. Deferring past 65 assumes a 7%-per-year compounding increase, consistent with CPF's published deferral bonus; ages 63–64 are a mirrored extrapolation, since CPF LIFE payouts officially start from 65. Basic and Escalating plan figures apply a rough illustrative adjustment (Escalating starts ~20% lower and grows 2%/yr; Basic starts ~10% lower) since CPF Board does not publish an exact plan-to-plan formula — use the official CPF LIFE Estimator to compare real payout amounts for your plan choice. Reference anchors: CPF Board's published 2026 Retirement Sums and Standard Plan payout examples.