CPF LIFE Payout Estimator
Estimate monthly CPF LIFE payouts from the retirement sum you set aside at 55.
About the CPF LIFE Payout Estimator
At 55 your Special and Ordinary Account savings move into a Retirement Account, up to the Full Retirement Sum ($220,400 for those turning 55 in 2026; $110,200 Basic and $440,800 Enhanced). CPF LIFE then pays a monthly income for life from 65. These are CPF's published estimates for the Standard Plan; your actual payout depends on your plan, gender, start age and interest rates. Use CPF's Retirement Payout Planner for a personal estimate.
The formula
Estimate interpolated between CPF's published BRS, FRS and ERS payouts
Worked example
Example: Estimated monthly payout from 65 = about $1,928
- Input: Retirement Account savings at 55 (including top-ups): $240,000.
- Formula: Estimate interpolated between CPF's published BRS, FRS and ERS payouts
- Result: Estimated monthly payout from 65 = about $1,928
Things to keep in mind
- An estimate; CPF's own planner is authoritative.
Questions people ask
Can I start later?
Yes, up to 70, with payouts about 6–7% higher for each year deferred.
Escalating Plan?
It starts lower but rises 2% a year to help with inflation.
Sources
The rules and rates this calculator uses come from the official pages below. Its results are estimates, not an official determination, and rules change, so check the latest figures there before you act on them.