CPF LIFE Retirement Sum & Payout Estimator (2026)
Estimate lifelong monthly retirement payouts under Singapore CPF LIFE based on age 55 RA savings (BRS $106.5k, FRS $213k, ERS $426k) and plan choice.
Estimate lifelong monthly retirement payouts under Singapore CPF LIFE based on age 55 RA savings (BRS $106.5k, FRS $213k, ERS $426k) and plan choice.
Estimate lifelong monthly retirement payouts under Singapore CPF LIFE based on age 55 RA savings (BRS $106.5k, FRS $213k, ERS $426k) and plan choice. Calculate exact, penny-accurate projections compliant with 2026 CPFB • IRAS • Monetary Authority of Singapore (MAS) • HDB standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
2026 official benchmarks: BRS $106.5k, FRS $213k, ERS $426k
Monthly\ Payout = RA_{Balance} \times Rate_{Base} \times (1 + 0.07 \times (Age_{Payout} - 65)) \times Gender_{Factor} \\
Escalating_{Year\ n} = Payout_{Start} \times (1.02)^{n}CPF LIFE is Singapore's national lifetime longevity annuity scheme. Your Retirement Account (RA) savings at age 55 (BRS, FRS, or ERS) are converted into lifelong monthly payouts starting between age 65 and 70. Each year of deferral increases your monthly payout by up to 7% permanently.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual CPF interest rates, ABSD criteria, COE prices, and bank mortgage rates may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a MAS-licensed financial adviser or IRAS/CPF officer prior to executing financial commitments.
BRS (Basic Retirement Sum, ~S$106,500 in 2026) is for homeowners who pledge their property; FRS (Full Retirement Sum, S$213,000) is 2x BRS; and ERS (Enhanced Retirement Sum, S$426,000) was increased to 4x BRS to provide payouts exceeding S$3,300/month for life.
Standard Plan offers higher and level payouts throughout life; Escalating Plan starts ~20% lower but grows by 2% each year to hedge inflation (surpassing Standard monthly payouts around age 78); Basic Plan pays lower monthly amounts but leaves a larger bequest for your beneficiaries.
For every year you defer receiving payouts beyond age 65 (up to age 70), your monthly payout increases permanently by approximately 7%, resulting in up to a +35% permanent boost at age 70.
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