Will You Have Enough? Find Out Now.
4 calculators for CPF LIFE payouts, SRS tax savings, retirement savings projections, and total retirement income. The 2026 Full Retirement Sum is $213,000 — see where you stand with official CPF Board rates.
All Retirement Calculators
Retirement Savings Calculator
Are you saving enough? Enter your monthly savings and expected returns — see if you'll hit your retirement target by your chosen age. Compound interest works both ways.
CPF Life Estimator
How much will CPF LIFE pay you every month? Enter your RA balance at 55 — compare Standard, Escalating, and Basic plan payouts side by side.
SRS Calculator
Contributing to SRS? See your tax savings NOW and your future withdrawal value. Only 50% of withdrawals are taxed after 62 — see the real benefit.
Retirement Income Calculator
Combine all your income sources — CPF LIFE, SRS, investments, rental — and see if your total retirement income meets your target. One number, full picture.
Singapore's Three-Pillar Retirement System
Retirement in Singapore is built on three pillars — and most people only think about the first one.
Pillar 1: CPF LIFE provides lifelong monthly payouts starting from age 65 (or later if you defer). The amount depends on your Retirement Account balance at 55. For 2026, the Full Retirement Sum is $213,000, the Basic is $106,500, and the Enhanced is $426,000. Deferring payouts increases your monthly amount.
Pillar 2: SRS (Supplementary Retirement Scheme) lets you contribute up to $15,300/year for immediate tax relief. When you withdraw after 62, only 50% of the amount is taxable — a significant long-term advantage most people underuse.
Pillar 3: Personal savings and investments — everything else, from your brokerage portfolio to rental income to cash savings.
The Retirement Income Calculator combines all three pillars so you can see if your total monthly income will meet your target. One number, no guesswork.
Basic Retirement Sum (BRS)
$106,500 (2026)
Full Retirement Sum (FRS)
$213,000 (2026)
Enhanced Retirement Sum (ERS)
$426,000 (2026)
SRS Contribution Cap
$15,300/year
Frequently Asked Questions
What is the CPF Full Retirement Sum (FRS) in 2026?expand_more
The CPF Full Retirement Sum for members turning 55 in 2026 is approximately $213,000. The Basic Retirement Sum (BRS) is half the FRS, and the Enhanced Retirement Sum (ERS) is 1.5x the FRS. Check your target with the Retirement Savings Calculator.
What is the SRS contribution cap?expand_more
The SRS annual contribution cap is $15,300 for Singapore citizens and PRs, and $35,700 for foreigners. See your tax savings and future value with the SRS Calculator.
When can I withdraw CPF?expand_more
You can withdraw your CPF savings above the Full Retirement Sum at age 55. CPF Life monthly payouts begin at age 65 (or 70, depending on your plan). Use the CPF Life Estimator to see your projected monthly payout.