CPF LIFE Payout Estimator
Estimate your monthly CPF LIFE payouts based on your Retirement Account balance. Uses official CPF Board examples as anchor points.
What This Result Means
CPF LIFE (Lifelong Income For the Elderly) provides monthly payouts for life from your Retirement Account savings. This estimator uses official CPF Board examples as anchor points and interpolates between them for planning purposes. Actual payouts depend on your age at join, the plan you choose, and prevailing CPF LIFE rules at the time.
Assumptions and Limitations
- •This is a planning estimate, NOT an official CPF LIFE quote.
- •Anchor examples: BRS $110,200 → ~$950/mo, FRS $220,400 → ~$1,780/mo, ERS $440,800 → ~$3,440/mo.
- •Estimates show ±5% range to account for plan differences and timing.
- •Payout start age deferral: ~7% increase per year from 65 to 70.
- •Does not account for future changes to CPF LIFE rules.
How We Calculate This
We use linear interpolation between official anchor points (BRS, FRS, ERS). Plan adjustments are applied as conservative multipliers. Payout deferral from 65 adds approximately 7% per year.
Learn more about our methodology →CPF Calculator SG is an independent planning tool and is not affiliated with or endorsed by the Central Provident Fund Board, IRAS or the Singapore Government. Results are estimates based on the inputs and policy data shown. For payroll, tax filing or retirement decisions, verify the result with the relevant official service.
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Reviewed by the CPF Calculator SG editorial team
Last reviewed: 16 August 2026
Rules effective: 1 January 2026