CPF Retirement Planner

Monthly CPF projection • Educational estimate • Not affiliated with CPF Board

v2.3.2 Beta

CPF Planner Guide

v2.3.2 monthly engine

Start here if you are new, or hide this guide for future visits.

Enter the CPF balances you want to use as the starting point for this scenario, then choose your retirement settings, RA target and CPF LIFE payout age. Optional fields can be left blank for a first scenario.

The planner now uses monthly age milestones and monthly CPF interest accrual. Year-end balances are credited balances; interest earned during the year is shown separately as pending interest and credited the following January.

1. Enter balances

Use your latest CPF OA, SA, MA and RA balances. Below 55, RA can usually be left blank.

2. Choose assumptions

Set retirement age, payout start age, CPF LIFE plan, RA target and top-up source.

3. Review scenarios

Compare projected RA formation, pending interest, CPF LIFE premium and payout range.

Important: This is an educational projection based on your inputs and simplified CPF assumptions. It is not financial advice and is not affiliated with CPF Board. For official figures and personal decisions, verify with CPF Board or a qualified adviser.

What's your retirement lifestyle goal?

I want to enter my own target amount

Your Details

Used to estimate your current age, CPF contribution period, RA creation at 55, and CPF LIFE timeline.

Birth Year

Used with birth month to estimate age-based CPF milestones.

Birth Month

Used for RA creation and CPF LIFE start month.

Gender

Projection Until Age

How long the projection should run. Default 95.

Can CPF LIFE cover your retirement lifestyle?

Estimated CPF LIFE payout

$0 – $0 / month

Midpoint estimate: $0 / month

Confidence: High

Educational estimate: This payout range is not an official CPF Board quote. Use it for scenario planning and verify important decisions with CPF Board or a qualified adviser.

Midpoint estimate covers part of your $3,500/mo target.

$0/mo midpoint$3,500/mo target

0%100%

You may need $3500/mo from other sources.

Note: Your projected RA at 55 ($0) is $220,400 short of the FRS target ($220,400). Projected payouts are based on your actual balance. To meet FRS, you would need an additional $220,400 in your CPF by age 55.

Monthly CPF LIFE

$0 – $0

Mid: $0

Standard Plan

At age 65 · High confidence

Projected CPF at 65

$0k

Includes any CPF LIFE premium committed

CPF LIFE Premium

$0k

Committed at payout start

Monthly Surplus / Shortfall

-$3500

Shortfall

Suggested Next Steps

→Try starting at 68 — Payout becomes ~$0/mo, covering ~0% of your target. Your gap shrinks from $3500 to ~$3500/mo.Click the 68 card below to select this option.

→Consider ERS instead of FRS — ERS could give ~$0/mo, covering ~0% of your target. That's ~$0/mo more than your current FRS projection.Select "ERS" in Retirement Settings and use "Top up to max ERS every year" if you want to model annual ERS cap top-ups.

→Adjust your lifestyle target — Lowering from $3,500 to $2800/mo would bring coverage to ~0%.

What if I start CPF LIFE later?

Start at 65

/month

Earliest payout

Selected

Start at 68

/month

+$0 vs 65

Wait 3 years

Start at 70

/month

+$0 vs 65

Wait 5 years

Note: Break-even age compares total payouts only. It does not account for opportunity cost, investment returns, or inflation. A later start means fewer years of payouts overall. Use this as a rough guide, not a precise decision tool.

Will CPF LIFE cover your lifestyle?

Red dashed line = your $3,500/mo target. Green area = projected CPF LIFE payout. The gap between them is what you need from other sources.

CPF Balance Projection ($'000)

Projection until age 95. Dashed line shows SA closure at 55.

Detailed Tables

Important disclaimer: CPF Retirement Planner Beta is an educational scenario-planning tool. It is not affiliated with CPF Board and does not provide financial, CPF, tax, legal, insurance or investment advice. Results are estimates only and may differ from actual CPF balances, CPF LIFE payouts and CPF Board calculations.