CPF Withdrawal Calculator Singapore (Age 55 and 65)
See how much CPF you can withdraw at 55 once your Retirement Account is set up, and at 65 how much you can take as a lump sum and what goes into CPF LIFE.
Basic Retirement Sum $110,200.00 and Full Retirement Sum $220,400.00 for this year.
Your Special Account savings on your 55th birthday.
Your Ordinary Account savings on your 55th birthday.
Interest earned, government grants and top-ups are generally not withdrawable under the property route. Enter 0 if unsure.
This calculator covers members born in 1958 or later.
The FRS set for the year you turned 55. It is shown on your CPF Retirement Dashboard.
Your Retirement Account balance when you reach 65.
Your Ordinary Account balance when you reach 65.
CPF says the extra amount you can withdraw at 65 excludes these. They are taken out before the 20%. Enter 0 to take 20% of the whole RA.
At age 55
Your SA and OA savings cover the Full Retirement Sum, so the Retirement Account is set to the FRS and the excess Ordinary Account savings can be withdrawn.
The Special Account closes at 55 and its savings move into the Retirement Account first, then Ordinary Account savings, up to the FRS. Your CPF Retirement Dashboard shows the exact amount.
In-depth guide
Withdrawing CPF at 55 and 65: what you can take and what stays for retirement
What happens to your Special and Ordinary Account savings at 55, how much you can withdraw with or without the Full Retirement Sum or a property, what you can take at 65, and how the CPF LIFE premium is paid.
Key figures at a glance
- Retirement Account at 55
- SA first, then OA, up to the FRS
- Created on your 55th birthday. The Special Account then closes and any leftover goes to your OA.
- Source: CPF Board
- If you cannot set aside the FRS
- $5,000 can be withdrawn
- The rest goes to your Retirement Account.
- Source: CPF Board
- Property owners
- Up to half the FRS set aside with property
- Lease must last to at least age 95. RA savings above the BRS can then be withdrawn.
- Source: CPF Board
- At 65 (born 1958 or later)
- Up to 20% of RA savings
- What you do not withdraw or use to raise payouts moves to your Ordinary Account.
- Source: CPF Board
- Automatic CPF LIFE membership
- At least $60,000 of retirement savings
- Singapore Citizens and PRs born in 1958 or later, when payouts start.
- Source: CPF Board
- CPF LIFE payouts start
- Any time from 65 to 70
- Deferring raises payouts by up to 7% for each year.
- Source: CPF Board
Your CPF from 55 to 65: step by step
Most of this happens automatically; knowing the steps helps you decide what to withdraw.
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Step 1: Turn 55
Your 55th birthdayYour Retirement Account is created from SA savings, then OA savings, up to the Full Retirement Sum. The Special Account then closes.
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Step 2: Decide what to withdraw
From 55If the FRS is set aside, OA savings above it can be withdrawn, in as many withdrawals as you like. If not, $5,000 can be withdrawn. Property owners can use the property route.
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Step 3: Choose when payouts start
Between 65 and 70CPF LIFE payouts can start any time from 65 to 70. Deferring raises them by up to 7% for each year.
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Step 4: Pay the CPF LIFE premium
One week before payouts startThe premium is paid from your RA. If you have not met the FRS in cash, OA savings move into the RA up to the FRS first.
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Step 5: Decide on the 65 withdrawal
From 65Up to 20% of RA savings at 65 can be withdrawn. What you do not withdraw or use to raise payouts moves to your OA.
What happens at 55
On your 55th birthday CPF creates your Retirement Account (RA). Your Special Account savings move in first, then your Ordinary Account savings, up to the Full Retirement Sum (FRS) for the year you turn 55. The Special Account then closes and any leftover goes to your Ordinary Account.
What you can withdraw from 55
| Your situation | What you can withdraw |
|---|---|
| FRS set aside (in cash, or with property and cash) | Ordinary Account savings above the FRS, in as many withdrawals as you like |
| FRS cannot be set aside | $5,000. The rest goes to your Retirement Account |
| You own property with a lease lasting to at least age 95 | Set aside up to half the FRS with the property, and withdraw RA savings above the Basic Retirement Sum |
If you sell the property you must refund the withdrawn savings with interest, which restores your RA to the FRS. Interest earned, government grants and top-ups are generally not withdrawable under the property route.
At 65
For members born in 1958 or later:
- Up to 20% of your RA savings at 65 can be withdrawn from 65. What you do not withdraw or use to raise your payouts moves to your Ordinary Account for later cash withdrawals.
- Your CPF LIFE premium is paid from your RA one week before payouts start. If you have not set aside the FRS in cash, OA savings move into the RA up to the FRS first.
- You are included in CPF LIFE automatically with at least $60,000 of retirement savings when payouts start.
- Payouts can start any time from 65 to 70, and deferring raises them by up to 7% a year.
CPF's pages say the additional amount at 65 excludes cash top-ups, CPF transfers and government grants, but do not say whether the 20% is taken before or after removing them. The calculator removes the amount you enter first and then takes 20%. Your Retirement Dashboard is the authority.
Worked examples
| Case | Result |
|---|---|
| Turn 55 in 2026, SA $150,000 and OA $100,000 | RA set to $220,400; $29,600 can be withdrawn |
| Same, using the property route | RA kept at $110,200; $139,800 can be withdrawn |
| Turn 55 with $80,000 in total | $5,000 withdrawn; $75,000 to the RA |
| At 65, RA $213,000, OA $40,000, FRS $213,000 | Lump sum $42,600; premium $170,400 if withdrawn |
Withdrawal limits
Online withdrawals have a default daily limit of $2,000, which you can raise to a maximum of $50,000.
Common mistakes
- Expecting a Special Account at 55. It closes.
- Forgetting the refund on the property route. Selling the property means refunding the withdrawn savings with interest.
- Treating the 20% as guaranteed. Check your Retirement Dashboard.
- Withdrawing everything at 65. A lower RA means lower lifelong payouts.
Related tools
- CPF retirement sum calculator — FRS, BRS, ERS and example payouts.
- CPF contribution calculator — how your accounts grow.
- CPF top-up tax relief calculator — topping up your RA.
Frequently asked questions
How much CPF can I withdraw at 55?
If your savings cover the Full Retirement Sum, you can withdraw the Ordinary Account savings above it. If not, you can withdraw $5,000. Property owners can also withdraw RA savings above the Basic Retirement Sum by pledging the property.
What happens to my Special Account at 55?
It closes. Its savings move into your Retirement Account up to the FRS, and any leftover goes to your Ordinary Account.
How much can I withdraw at 65?
For members born in 1958 or later, up to 20% of RA savings at 65. What is not withdrawn or used to raise payouts moves to the Ordinary Account.
When do CPF LIFE payouts start?
Any time between 65 and 70. Deferring raises payouts by up to 7% for each year.
Am I included in CPF LIFE automatically?
If you are a Singapore Citizen or PR born in 1958 or later with at least $60,000 of retirement savings when payouts start.
Is this the exact amount CPF will allow?
No. It is an estimate. Your CPF Retirement Dashboard shows your exact withdrawable amount.
Sources
- CPF Board — Reaching age 55 — Retirement Account creation, the Special Account closing and the $5,000 (page updated 17 Dec 2025).
- CPF Board — Withdrawing for immediate retirement needs — Withdrawing from 55, the property route and the daily withdrawal limit (page updated 11 Jun 2026).
- CPF Board — How much CPF savings can I withdraw from age 55 to 64? — Withdrawals with and without the FRS (page updated 4 Feb 2026).
- CPF Board — Reaching age 65 — Payout start age, the premium, the OA transfer and CPF LIFE eligibility (page updated 14 Sep 2026).
- CPF Board — What will happen to my CPF savings when my monthly payouts start? — The 20% of RA savings at 65 (page updated 21 Aug 2026).
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.