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Your CPF Income Ceiling$8,000.00Effective from 1 January 2026+$2,000 from pre-2023
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How Much CPF LIFE Could You Get?

Estimate your monthly CPF LIFE payout from your Retirement Account balance and compare the Standard, Escalating, Basic, and defer-to-70 scenarios without logging in.

CPF LIFE Inputs
Enter your Retirement Account balance and age to estimate CPF LIFE payouts.

These are simplified estimates for planning and comparison. Official CPF LIFE payouts can differ.

Estimated payout for the standard plan
$1,763per month
This estimate is based on your current age of 65 and the RA balance entered above.
Standard plan
$1,763per month
Higher starting payout based on the current RA balance.
Escalating plan
$1,410per month
Starts lower, then grows over time.
Basic plan
$1,587per month
Lower monthly payout with more money left in RA early on.
If you defer to age 70
$2,380per month
Uses the simplified deferment uplift based on your current age.
2026 retirement sums
Reference checkpoints for comparing your RA balance.

BRS

$110,200

FRS

$220,400

ERS

$440,800

How to read this estimate

SimplyCPF uses a simplified payout factor to estimate CPF LIFE from your Retirement Account balance.

  • Standard, Escalating, and Basic are shown side by side.
  • Defer-to-70 adjusts the uplift based on your current age.
  • Balances below S$60,000 are treated as below the current simplified estimate threshold.
What is CPF LIFE?

CPF LIFE (Lifelong Income For the Elderly) is Singapore's national annuity scheme that provides retirees with a monthly payout for life, no matter how long they live. It ensures you will not outlive your retirement savings.

When you turn 65, you can start receiving monthly payouts from your CPF LIFE plan. The amount you receive depends on:

  • Your Retirement Account (RA) balance — built from CPF savings and top-ups
  • The CPF LIFE plan you choose — Standard, Escalating, or Basic
  • When you start payouts — deferring to age 70 gives higher monthly amounts

To join CPF LIFE, you need at least S$110,200 in your Retirement Account (the Basic Retirement Sum for 2026).

You can defer your payouts up to age 70. Each year you defer increases your monthly payout by about 7% per annum — meaning a 35% increase if you defer from 65 to 70.

CPF Retirement Sums (2026)

The Retirement Sums determine how much you need in your CPF Retirement Account (RA) for different levels of CPF LIFE payouts. These amounts increase yearly to keep pace with inflation and longer life expectancy.

Basic Retirement Sum

S$110,200

Minimum for CPF LIFE. Provides basic monthly payouts for life.

Full Retirement Sum

S$220,400

2× BRS. Higher monthly payouts for a more comfortable retirement.

Enhanced Retirement Sum

S$440,800

3× BRS. Maximum monthly payouts for enhanced retirement income.

Tip: You can withdraw the amount above your FRS at age 55, or transfer it to RA for higher CPF LIFE payouts later.

CPF Cheat Sheet
Keep the core CPF rates, ceilings, PR transitions, retirement sums, and top-up limits in one printable PDF.

Useful if you want the reference numbers close by while using the calculator, projection page, or CPF LIFE estimator.

Open the cheat sheet
Retirement Readiness Score
Answer 5 quick questions to see where your CPF planning is clear, thin, or missing.

Useful if you want a faster starting point before opening the projection calculator or CPF LIFE estimator.

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