CPF · Retirement planning · Singapore

The Full Retirement Sum for 2026 is SGD 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.

Source: CPF Board Fixed for life once you turn 55
Am I on track? Compare BRS · FRS · ERS
The number, for members turning 55 in
Full Retirement Sum (FRS)
SGD 220,400
Est. SGD 1,780/month for life from age 65 · CPF LIFE Standard Plan
Multiple of BRS
2×
Yearly increase
3.5%
Withdraw at 55
Above FRS
Payouts start
65 yrs
Interactive check

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.

SGD
Progress toward your Full Retirement Sum
On track
67%
SGD 0SGD 220,400
Still to set aside
SGD 72,400
to reach the FRS
Est. monthly payout
SGD 1,780
for life from age 65
You're 67% of the way to the Full Retirement Sum. Topping up your Retirement Account or transferring from OA can close the gap — and top-ups may qualify for tax relief.
History

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.

Full Retirement Sum (turning 55)
+3.5% every year
SGD 237kSGD 218kSGD 198kSGD 179kSGD 159k'17'18'19'20'21'22'23'24'25'26'27SGD 220,400SGD 237kSGD 218kSGD 198kSGD 179kSGD 159k'17'18'19'20'21'22'23'24'25'26'27SGD 220,400
The three tiers

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 sumAmountEst. monthly payoutWho it's for
Basic (BRS)1× base
SGD 110,200SGD 950/moFor those who own a property that can cover housing in retirement — the lowest sum, the lowest payout.
Full (FRS)MOST COMMON2× the BRS
SGD 220,400SGD 1,780/moThe standard target most members aim for. A balanced lifelong payout without needing property.
Enhanced (ERS)4× the BRS
SGD 440,800SGD 3,440/moFor those who want the highest payout and can top up beyond the FRS, up to the yearly cap.
Common questions

Full Retirement Sum, explained

The FRS is the amount you set aside in your CPF Retirement Account when you turn 55. In return, you receive a monthly payout for life from age 65 under CPF LIFE. For members turning 55 in 2026 it's SGD 220,400 — double the Basic Retirement Sum.
SGD 220,400 for members turning 55 in 2026. The sum is fixed for your cohort for the rest of your life, even though it rises for later cohorts. Basic is SGD 110,200 and Enhanced is SGD 440,800.
You can still receive CPF LIFE payouts from 65 — they'll just be lower, based on what you've set aside. You can also keep topping up your Retirement Account later with cash or your Ordinary Account savings to raise your future payout.
To keep pace with the cost of living, longer life expectancy, and a higher standard of living. From 2023 to 2027 the sums rise a fixed 3.5% each year — which is why a younger cohort's FRS is higher than an older one's.
Yes. At 55, a Retirement Account is created with your FRS. Savings above the FRS can generally be withdrawn in cash. If you own a property, you may set aside just the Basic Retirement Sum and withdraw more.
The Enhanced Retirement Sum (ERS) is the maximum you can top up your Retirement Account to for a higher payout. From 2026 the ERS is twice the FRS — SGD 440,800 — and can pay roughly SGD 3,440/month for life.

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 SGD 110,200, Full Retirement Sum (FRS) of SGD 220,400 and Enhanced Retirement Sum (ERS) of SGD 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.

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