What happens to my CPF at 55?

At 55, your OA and SA are used to create a Retirement Account (RA). The transfer is capped at the Full Retirement Sum (FRS: $220,400 in 2026). Any excess stays in your OA.

What if I do not reach FRS?

You will still receive CPF LIFE payouts, but they will be lower. You can continue working, make voluntary top-ups, or defer payouts to age 70 for higher monthly amounts.

CPF Retirement Calculator

Project your Retirement Account balance at retirement. See if you are on track for the Basic, Full, or Enhanced Retirement Sum.

verifiedUpdated for 2026

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What This Result Means

At age 55, your OA and SA savings are transferred to a Retirement Account (RA). The RA is used to provide monthly CPF LIFE payouts from age 65. The 2026 retirement sums are: BRS $110,200, FRS $220,400, ERS $440,800.

Assumptions and Limitations

•Projection uses 2026 CPF rules. Beyond 2026, the latest known rules are held constant with a warning.
•Salary growth is applied annually (default 3%).
•MA overflow at BHS is redirected to OA.
•At 55, SA is closed and transferred to RA (up to FRS).
•Does not model partial withdrawals, housing claims, or CPFIS.

How We Calculate This

We simulate month by month: calculate contributions, allocate to accounts, apply interest (including extra interest), handle MA→BHS overflow, and at 55 close SA and create/top up RA. Each year shows a snapshot.

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.