CPF Retirement Calculator
Project your CPF balances to 55, see whether you will meet the Full Retirement Sum, and estimate your CPF LIFE monthly payout.
Your CPF Projection
Indicative CPF LIFE payout from 65
S$1,640 – S$1,780/mo
Retirement Account at 55: S$220,400 of S$220,400
On track to meet your target| Account at 55 | Balance |
|---|---|
| Retirement Account (RA) | S$220,400 |
| Ordinary Account (OA) | S$496,978 |
| Special Account (SA) | S$255,741 |
| MediSave (MA) | S$79,000 |
Estimates only. This tool is not affiliated with, or endorsed by, the CPF Board. Actual payouts depend on your CPF LIFE plan, your age when payouts begin, and the rules in force at the time. For an official figure, use the CPF LIFE Estimator.
CPF parameters last verified: 2026-08-03.
How It Works
Your CPF contributions are split across your Ordinary, Special and MediSave accounts, and the split changes as you get older. At 55 a Retirement Account is created, drawing from your Special Account first and then your Ordinary Account, up to the retirement sum you are working towards. That balance funds your CPF LIFE payouts from 65. This calculator projects each account forward using the statutory contribution and interest rates, including the extra interest paid on the first $60,000 of your combined balances.
Frequently Asked Questions
Written by the Tools & Deals Hub Editorial Team · Reviewed by Durga Prasad Mogulothu, Founder · Last reviewed:
Sources & further reading
- CFPB — Consumer tools (loans, mortgages, savings)
- Investor.gov — Free financial calculators (U.S. SEC)
Results are estimates for planning, not professional advice. Figures can change after publication — check the source for current numbers.