CPF Projection Calculator 2026: How Much Will You Have at Retirement?
Last updated: February 2026
Wondering how much you'll have in your CPF when you retire? You're not alone. With CPF interest rates at 2.5% (OA) and 4% (SA/RA), and contribution rates changing as you age, it is difficult to calculate mentally.
That is why we built this CPF projection calculator. Enter your details and see estimates for age 55, 60, or 65.
CPF Projection Calculator
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Open CPF Projection PreviewWhat is CPF Projection?
CPF projection estimates how much money you will have in CPF at a future date, typically age 55, 60, or 65. It takes into account:
- Your current CPF balances
- Monthly contributions from your salary
- CPF interest rates (2.5% for OA, 4% for SA/RA)
- Your age and expected retirement age
- Any voluntary contributions or transfers
Why CPF Projection Matters
- Plan for retirement: Will you have enough to live on?
- Decide on property: Should you use OA for housing or keep it for retirement?
- Optimize CPF transfers: Should you transfer OA to SA for higher interest?
- Plan SRS contributions: Do you need additional retirement savings?
How to Use This CPF Projection Calculator
Step 1: Enter Your Current Balances
Log in to CPF.gov.sg and check your OA balance, SA balance, and RA balance (if you are over 55).
Step 2: Input Your Monthly Salary
Use your gross monthly salary (before CPF deduction). The calculator applies age-based contribution rates.
| Age | Employee | Employer | Total |
|---|---|---|---|
| ≤55 | 20% | 17% | 37% |
| 55-60 | 13% | 13% | 26% |
| 60-65 | 7.5% | 9% | 16.5% |
| >65 | 5% | 7.5% | 12.5% |
Step 3: Choose Your Projection Age
- Age 55: First withdrawal opportunity (if you meet FRS)
- Age 60: Early retirement option
- Age 65: Standard retirement age (CPF LIFE payout start)
Step 4: Review Your Results
- Total projected balance
- Interest earned over time
- Whether you can withdraw at 55
- Monthly payout estimate (if applicable)
Understanding CPF Retirement Sums (2026 planning)
| Retirement Sum | Amount | Monthly Payout (Age 65) |
|---|---|---|
| Basic Retirement Sum (BRS) | $102,900 | $1,000 - $1,100 |
| Full Retirement Sum (FRS) | $205,800 | $1,800 - $2,000 |
| Enhanced Retirement Sum (ERS) | $308,700 | $2,600 - $2,900 |
- Meet BRS or FRS: can generally withdraw amounts above required sum at 55.
- Meet ERS: higher payout target; withdrawal depends on balances above ERS.
- Below BRS: limited withdrawal and more funds remain for retirement income.
CPF Projection FAQ
How accurate is CPF projection?
CPF projection is an estimate based on current interest rates and salary assumptions. Actual outcomes vary with salary changes, policy updates, top-ups, and OA usage.
Our calculator assumes constant salary and current rates unless changed.
What is the CPF interest rate?
- OA: 2.5% per annum
- SA: 4.0% per annum
- RA: 4.0% per annum
- MA: 4.0% per annum
- Extra interest may apply for eligible balances from age 55.
How much CPF do I need to retire?
A practical benchmark is BRS for basic needs, FRS for a more comfortable baseline, and ERS for higher CPF LIFE payouts.
Can I withdraw CPF at 55?
You can withdraw eligible amounts from 55 subject to retirement sum rules and account balances.
What happens to my CPF at 65?
RA savings are used for CPF LIFE monthly payouts. Final payout depends on your RA balance and chosen CPF LIFE plan.
Should I transfer OA to SA?
Transferring OA to SA can increase long-term growth because SA rate is higher. It reduces liquidity in OA, so it depends on housing and cash needs.
What is CPF LIFE?
CPF LIFE provides monthly payouts for life from age 65, based on your RA balances and selected payout plan.
CPF Projection Examples
Example 1: Age 30
OA $50,000, SA $30,000, salary $6,000, project to age 65.
Projected total: ~$890,000.
Potential payout range: ~$2,600-$2,900.
Example 2: Age 45
OA $150,000, SA $80,000, salary $8,000, project to age 65.
Projected total: ~$620,000.
Likely above FRS with withdrawal flexibility at 55.
Example 3: Age 55
RA $180,000, OA $50,000, no further contributions, project to age 65.
Projected RA at 65: ~$266,000 (interest-driven growth).
CPF LIFE payout estimate: ~$1,800-$2,000.
Tips to Maximize Your CPF Projection
- Consider OA to SA transfer (before 55) if you do not need OA liquidity.
- Use eligible voluntary top-ups for tax relief and long-term compounding.
- Avoid early withdrawal at 55 unless needed to preserve future payout power.
- Compare CPF LIFE plan options against inflation and income needs.
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Summary
CPF projection helps you estimate balances and retirement income at 55, 60, and 65 so you can make better decisions now on housing, transfers, and additional savings.
Key takeaways: OA grows at 2.5%, SA/RA at 4%, withdrawal at 55 depends on retirement sum rules, and CPF LIFE turns retirement balances into lifelong payouts from 65.
Try the calculator preview and validate your path early:open CPF projection.