CPF Retirement Sum Calculator (BRS / FRS / ERS)
See the Basic, Full and Enhanced Retirement Sums for the year you turn 55, compare them with your OA/SA/RA savings, and view published CPF LIFE Standard Plan payout examples for the 2026 cohort.
BRS and FRS are fixed by this cohort year. ERS is the calendar-year ceiling for members already 55 or older — this page shows the ERS published for the same year.
At 55, SA and some OA are used to form the Retirement Account up to FRS. Enter the balances you can set aside, not investment forecasts.
Retirement sum progress
BRS/FRS follow the year you turn 55. ERS is a prevailing top-up ceiling (4× BRS from 2025). Payout figures are CPF’s published illustrations at 4% interest for the 2026 cohort, not a guaranteed personal payout.
In-depth guide
CPF retirement sums explained: BRS, FRS, ERS and what they mean for your CPF LIFE payout
What the Basic, Full and Enhanced Retirement Sums are, which amount applies to you, how the Retirement Account is formed at 55, how property can count towards it, and what monthly CPF LIFE payouts the 2026 examples show.
Key figures at a glance
- Basic Retirement Sum (turning 55 in 2026)
- $110,200
- Set by the year you turn 55 and does not change afterwards. 2025: $106,500; 2027: $114,100.
- Source: CPF Board
- Full Retirement Sum (turning 55 in 2026)
- $220,400
- Twice the BRS. 2025: $213,000; 2027: $228,200.
- Source: CPF Board
- Enhanced Retirement Sum (2026)
- $440,800
- Four times the BRS from 2025. A top-up ceiling that rises each calendar year.
- Source: CPF Board
- CPF LIFE examples from age 65 (2026 cohort, Standard Plan)
- BRS about $950 · FRS about $1,780 · ERS about $3,440 a month
- CPF's illustrations at 4% interest, not a personal quote.
- Source: CPF Board
- Using property for the FRS
- Up to half of the FRS, the rest in cash
- If the property's lease lasts until you are at least 95. CPF's rules decide the details.
- Source: CPF Board
Reaching 55 and setting up your retirement income: step by step
Most of this happens automatically, but knowing the steps lets you decide whether to top up beforehand.
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Step 1: Find your cohort sums
Years before 55BRS and FRS are fixed by the year you turn 55. Use this calculator to compare your savings with them.
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Step 2: Decide on top-ups
Before 55Cash top-ups to your SA or RA raise your retirement savings and can earn tax relief. Compare them with other uses of cash.
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Step 3: Retirement Account is formed
At 55CPF moves savings from your Special Account, then Ordinary Account, into a Retirement Account. The transfer is capped at the FRS.
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Step 4: Choose how to meet the sum
At 55You can meet the FRS with cash, or with property (up to half the FRS) if the lease lasts until 95. Check my cpf.
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Step 5: Pick a CPF LIFE plan
Before payouts startStandard, Basic and Escalating plans give different monthly payouts. Use CPF's own estimator for your figures.
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Step 6: Payouts begin
From age 65, or later if you deferCPF LIFE pays a monthly amount for life.
The three sums
| Sum | What it is | 2025 | 2026 | 2027 |
|---|---|---|---|---|
| Basic Retirement Sum (BRS) | A base amount for basic retirement needs, excluding rent | $106,500 | $110,200 | $114,100 |
| Full Retirement Sum (FRS) | Twice the BRS | $213,000 | $220,400 | $228,200 |
| Enhanced Retirement Sum (ERS) | Four times the BRS (from 2025), the most you can top up to | $426,000 | $440,800 | $456,400 |
The year in the header is the year you turn 55. The BRS and FRS for your cohort stay the same after that; the ERS is a ceiling that moves each calendar year.
What happens at 55
CPF forms your Retirement Account from your Special Account, then your Ordinary Account. The amount transferred is capped at the FRS. The money then earns interest and funds your CPF LIFE payouts.
Using property
If you own property with a lease that lasts until you are at least 95, you can use it for part of your sum: up to half of the FRS can be met with property, the remainder in cash. This calculator compares only the balances you enter with the published sums, so a property pledge changes how much cash you need to set aside.
Payout examples
CPF's illustrations for members turning 55 in 2026, on the CPF LIFE Standard Plan at 4% interest:
| Set aside at 55 | Monthly payout from 65 |
|---|---|
| BRS — $110,200 | about $950 |
| FRS — $220,400 | about $1,780 |
| ERS — $440,800 | about $3,440 |
These are examples. Your payout depends on the plan you choose, when payouts start and what is in your account.
Tip: Doubling the amount set aside roughly doubles the payout, so each extra dollar in your Retirement Account buys a similar amount of lifetime income. Compare that with putting cash elsewhere.
Worked examples
| Turning 55 in 2026 with | BRS shortfall | FRS shortfall |
|---|---|---|
| $80,000 | $30,200 | $140,400 |
| $110,200 | $0 | $110,200 |
| $220,400 | $0 | $0 |
Common mistakes
- Using the wrong cohort year. The BRS and FRS depend on the year you turn 55, not today's date.
- Treating the ERS as fixed. It is a calendar-year ceiling.
- Reading the payouts as a promise. They are illustrations for one cohort.
- Forgetting property rules. A pledge can reduce the cash needed but is subject to CPF's conditions.
- Not checking my cpf. Your actual balances and options are shown there.
Related tools
- CPF contribution calculator — how monthly CPF is split between OA, SA and MA.
- SRS contribution calculator — another tax-efficient way to save for retirement.
- HDB lease and CPF calculator — how the remaining lease affects CPF use on a flat.
Frequently asked questions
What is the CPF Full Retirement Sum in 2026?
$220,400 for members who turn 55 in 2026. The Basic Retirement Sum is $110,200. The Enhanced Retirement Sum ceiling in calendar year 2026 is $440,800.
Is ERS fixed when I turn 55?
No. BRS and FRS are cohort-fixed. ERS is a calendar-year ceiling you can top up to later.
Does this predict my CPF LIFE payout?
No. The $950 / $1,780 / $3,440 figures are CPF illustrations for the 2026 cohort Standard Plan. Use CPF’s estimator for a personal quote.
Can I meet BRS with a property pledge?
Often yes, subject to CPF rules. This page only compares cash/balances you enter with the published sums.
How is this different from the CPF contribution calculator?
Contributions split a monthly wage into OA/SA/MA. This tool measures retirement adequacy against BRS/FRS/ERS.
What if I turn 55 after 2027?
CPF has not published those sums here. Do not interpolate; wait for CPF’s announcement.
Are payouts guaranteed at 4%?
No. CPF states the illustration assumptions. Extra interest and plan choice matter.
Is this CPF Board advice?
No. Confirm in my cpf. Figures verified 30 Sep 2026 from CPF’s retirement-sum article.
Sources
This guide explains published rules in plain language. It is not financial, legal or official advice — rules change, so confirm with the agency linked above before you commit.