CPF & retirement

CPF Retirement Adequacy Calculator

Project your credited CPF Retirement Account to a selected age from 55 to 65 using current balances, future contributions, official interest settings and age-55 account rules.

✓ Results shown free✓ Dated source references✓ General information only

Live calculator

RA-focused projection using official CPF interest, allocation and age-55 rules. Rules verified 24 Aug 2026.

Your retirement adequacy path

Choose a retirement sum target, then project your CPF Retirement Account to a selected age from 55 to 65.

CPF Board · verified 24 Aug 2026

Retirement target

Official targets use the retirement sums for the year you turn 55. Amounts after 2027 are clearly marked projections.

Basic Retirement Sum (BRS)Lower official benchmark; setting aside BRS can depend on a sufficient property pledge.Full Retirement Sum (FRS)Default official retirement-savings benchmark at age 55.Enhanced Retirement Sum (ERS)Higher voluntary top-up benchmark under the applicable age-55 policy.Custom RA targetCompare the projected RA with your own nominal savings amount.

Target retirement age*

years

Choose a whole age from 55 to 65, not below your current age.

Current CPF position

Balance month*Current age — years*

Use completed years and months.Additional months*

Ordinary Account (OA)*

Special Account (SA)*

RA should be zero before age 55.MediSave Account (MA)*

Expected CPF contributions

Enter total employee + employer CPF—not salary. Automatic mode applies official 2026/2027 account-allocation tables.

Automatic official allocationApply official age-based account allocation and contribution-rate changes.Manual account contributionsEnter monthly OA, SA/RA and MA contributions directly.

Current total monthly CPF contribution*

Monthly contribution above 55 to 60

Optional 2027-and-later override. Leave blank to derive from current contribution and official total rates.Monthly contribution above 60 to 65

Optional 2027-and-later override. Leave blank to derive from current contribution and official total rates.

Annual contribution growth

Applied once every 12 projection months.

Planned CPF use and top-ups

Optional recurring flows can reflect housing use, medical use and retirement top-ups.

Monthly OA use

Annual MA use

Annual SA / RA top-up

Modelled in January. Actual top-up limits, eligibility and tax relief are not determined here.

Advanced CPF assumptions

Current rates are held constant as a scenario. Future FRS and BHS amounts are estimates, not official forecasts.

OA base interest rate

SA / MA / RA base interest rate

Future FRS annual growth

Future BHS annual growth

FRS at age 55 override

Optional. This changes age-55 routing and the BRS/FRS/ERS target derived from it.

What counts toward the target

The verdict compares credited RA at the selected retirement age with the chosen nominal target. OA and MA are shown separately but do not count toward the retirement-sum target. CPF LIFE payouts are not estimated.

⌁ Calculated in your browser. Inputs leave your device only if you save or export.

Clear outputs

What this tool will show

Each result stays connected to the inputs and rules used.

01Projected Retirement Account balance
02Target amount and progress
03Surplus or shortfall
04Account, contribution and interest breakdown
05Annual path, assumptions and official sources

Transparency standard

The workings stay visible from day one.

✓

Official rules

Applied parameters include a source and verification date.

✓

Assumptions

User inputs and defaults are clearly separated.

✓

Limits

Scope and exclusions appear beside the result.

Read the full methodology→

interest.sg provides general information, dated reference data and calculation tools. Results are estimates—not financial, investment, legal, tax, property, valuation, CPF, HDB, lending, insurance or protection advice. Verify material decisions with the relevant authority or a qualified professional.

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CPF Retirement Adequacy Calculator

Your retirement adequacy path

What this tool will show

The workings stay visible from day one.

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