Retirement calculators
Seven tools covering CPF contributions, interest, retirement sums, CPF LIFE payouts and property withdrawals — modelled on CPF Board schedules.
Updated July 2026 Source: CPF Board 2026 figures
Key CPF figures · 2026
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CPF questions change with life stage — pick yours to see the tools that apply.
Working and contributing
Monthly contributions are set by age band, subject to the Ordinary Wage ceiling of SGD 8,000 from 1 January 2026. Each CPF account earns a different interest rate.
What each tool tells you
Inputs and outputs for the seven Singapore retirement tools. Rate references require no inputs.
| Tool | Type | You provide | The result |
|---|---|---|---|
| CPF Calculator | CALCULATOR | Monthly wage and age band | Estimated monthly contributions and the OA/SA/MA split |
| CPF Contribution Rates | REFERENCE | — | Contribution rates by age band and PR year, with the wage ceiling |
| CPF Interest Rates | REFERENCE | — | Interest rate per account and the extra interest tiers |
| Full Retirement Sum | REFERENCE | Birth year (cohort) | BRS, FRS and ERS figures for the cohort and the associated payout tier |
| CPF LIFE Plan Comparator | CALCULATOR | Retirement Account savings at 65 and plan choice | Estimated monthly payout under the Standard, Basic and Escalating plans |
| CPF Housing Withdrawal Calculator | CALCULATOR | Property price and OA balance | Estimated OA amount usable and the remaining withdrawal limit |
| CPF Accrued Interest Calculator | CALCULATOR | OA amount used and holding period | Estimated principal plus accrued interest refundable to CPF on sale |
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Figures reflect CPF Board schedules as at July 2026. Rates and retirement sums are subject to change.
Key CPF figures for 2026
The figures the seven tools are modelled on, as published by the CPF Board.
| Figure | Value | Applies to |
|---|---|---|
| Ordinary Wage ceiling | SGD 8,000 / month | From 1 January 2026 |
| Total contribution rate | 37% (20% + 17%) | Employees aged 55 and below |
| OA interest floor | 2.5% p.a. | Ordinary Account |
| SA, MA & RA interest floor | 4.0% p.a. | Special, MediSave and Retirement Accounts |
| Extra interest, below 55 | +1% | First SGD 60,000 of combined balances (up to SGD 20,000 from the OA) |
| Extra interest, 55 and above | +2% / +1% | First SGD 30,000 / next SGD 30,000 (up to SGD 20,000 from the OA) |
| BRS · FRS · ERS | SGD 110,200 · 220,400 · 440,800 | Members turning 55 in 2026 |
| Payout eligibility age | 65 | CPF LIFE monthly payouts |
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Source: CPF Board, verified July 2026. Interest floors shown; prevailing rates are reviewed quarterly and the 4% floor is legislated to 31 December 2026.
Frequently asked questions
Common questions across the Singapore retirement tools. Detailed FAQs are on each tool's page.
How much CPF can be used to buy a property?
Ordinary Account savings can be used for the downpayment, stamp duty and monthly loan repayments, subject to the property's remaining lease and CPF withdrawal limits. For bank-financed purchases, usage is capped at the Valuation Limit, and beyond it at the Withdrawal Limit. Use the CPF Housing Withdrawal Calculator to estimate the usable amount.
What is CPF accrued interest?
Accrued interest is the interest CPF savings would have earned had they not been withdrawn for property. It compounds at the OA rate of 2.5% p.a. and is refunded to the CPF accounts, together with the principal, when the property is sold. Use the CPF Accrued Interest Calculator to estimate the amount.
What happens to CPF savings at 55?
A Retirement Account is created on the member's 55th birthday. Savings from the Special Account, then the Ordinary Account, are transferred into it up to the Full Retirement Sum for the member's cohort. The Special Account is then closed, and amounts above the applicable retirement sum can be withdrawn, subject to CPF Board rules.
What is the Full Retirement Sum for 2026?
The Full Retirement Sum is SGD 220,400 for members turning 55 in 2026, as published by the CPF Board. The Basic Retirement Sum is SGD 110,200 and the Enhanced Retirement Sum is SGD 440,800. Sums for each cohort are listed on the Full Retirement Sum page.
How do the three CPF LIFE plans differ?
The Standard Plan pays a level monthly amount, the Escalating Plan starts lower and increases by 2% each year, and the Basic Plan pays progressively lower amounts with a larger bequest. All three pay for life from the payout eligibility age of 65. Use the CPF LIFE Plan Comparator to view estimated payouts side by side.
What are the CPF contribution rates in 2026?
Employees aged 55 and below contribute 20% of wages, with a 17% employer contribution — 37% in total. Rates taper at older age bands, and the Ordinary Wage ceiling is SGD 8,000 per month from 1 January 2026. The full tables are on the CPF Contribution Rates page.
Which CPF balances earn extra interest?
Members below 55 earn an extra 1% on the first SGD 60,000 of combined balances. Members aged 55 and above earn an extra 2% on the first SGD 30,000 and 1% on the next SGD 30,000. In both cases up to SGD 20,000 of the amount may come from the Ordinary Account. Current rates are listed on the CPF Interest Rates page.
Can CPF LIFE payouts start later than 65?
Payouts can be deferred to any age up to 70. Each year of deferral increases the monthly payout by up to 7%, as savings continue to earn interest in the Retirement Account. Deferral rules are set by the CPF Board.
Important disclaimer
For educational and informational purposes only. The tools listed on this page produce estimates based on the inputs provided and do not constitute financial, tax or retirement-planning advice. Figures shown here reflect CPF Board schedules verified in July 2026.
Results are estimates. Contribution rates, allocation rates, interest rates, retirement sums, withdrawal limits and CPF LIFE payouts are set by the CPF Board and are subject to change. CPF LIFE payout figures are illustrative and depend on the plan selected, the savings committed and the age payouts begin. Interest floors are shown; prevailing rates are reviewed quarterly.
No warranty of accuracy. While Money Snap takes reasonable care to source figures from the 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.
Verify before acting. Check your own balances, cohort retirement sums and payout estimates in your CPF account at cpf.gov.sg, and seek independent advice from a licensed financial adviser before acting on any figure shown. Use of Money Snap is subject to our Terms of Use.