The Full Retirement Sum for 2026 is $220,400.
It's the amount you set aside in your CPF Retirement Account at 55 to receive a monthly income for life from 65 — under CPF LIFE. Check the exact figure for your cohort, then see if you're on track.
Are you on track for your sum?
Enter what's in your CPF today. We'll show how close you are and the lifelong payout you'd unlock.
How the Full Retirement Sum has risen
The sum is reviewed yearly so payouts keep pace with the cost of living. From 2023 to 2027 it rises a fixed 3.5% each year.
Basic, Full, or Enhanced?
Every member sets aside one of three sums. More set aside means a higher payout for life. Figures shown are for members turning 55 in 2026.
| Retirement sum | Amount | Est. monthly payout | Who it's for |
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Full Retirement Sum, explained
Important Disclaimer
For educational and informational purposes only. This page produces estimates based on the official CPF Board retirement sums for members turning 55 in 2026: a Basic Retirement Sum (BRS) of S$110,200, Full Retirement Sum (FRS) of S$220,400 and Enhanced Retirement Sum (ERS) of S$440,800. Retirement sums are fixed for your cohort once you turn 55. Estimated monthly payouts assume the CPF LIFE Standard Plan starting at age 65 and prevailing CPF interest rates; your actual payout depends on your plan, your balances and the age you start payouts.
No warranty of accuracy. While Money Snap takes reasonable care to source figures from official authorities (CPF Board), this page is provided "as is" without any express or implied warranty as to accuracy, completeness, timeliness, or fitness for any particular purpose. Retirement sums are revised each year for the next cohort turning 55 — figures shown may be out of date — and circumstances not captured here, including property pledges, CPF LIFE plan choice, top-ups and withdrawals, may materially affect your actual retirement sum and payouts.
Not financial advice. Information provided is general in nature only and does not take into account your personal objectives, financial situation, or needs. Results do not constitute financial, tax or legal advice and use of this page does not create an advisory relationship. For your personalised figures, log in to your CPF account, or obtain advice from a financial adviser licensed by the Monetary Authority of Singapore.
Limitation of liability. To the maximum extent permitted by law, Money Snap accepts no liability for any loss, damage, cost, or expense — direct or indirect — arising from reliance on this page or the information it produces. Users are responsible for verifying all figures with the relevant authority before relying on them. Use of this page is subject to our Terms of Use.