CPF digital services will not be available on 23 Jan 2022 from 2am to 5am (Singapore time) due to system maintenance. We apologise for any inconvenience caused.

Maintenance: CPF digital services at the website will not be available on 24 Dec 2021, from 9.30am to 11am (Singapore time) due to system maintenance. We apologise for any inconvenience caused. You may still access CPF digital services on CPF mobile app.

my cpf

View personal CPF information and transactions for retirement, home ownership, healthcare, and more.


CPF overview

CPF empowers you to secure your life goals. Save for retirement, home ownership, and healthcare protection.

Growing your savings

For greater peace of mind in your golden years, CPF provides you with a strong foundation for retirement by helping you save for your retirement income, home ownership and healthcare needs.

Retirement income

Build a strong foundation for your retirement and get more from what you save in your golden years.

Home ownership

Owning a home can be affordable. Take care of your mortgage repayment, while protecting your retirement nest egg.

Healthcare financing

Learn how CPF can give you peace of mind to manage your basic healthcare sum and meet the costs of your healthcare needs.

Account services

Throughout your working life and in retirement, you can easily access your CPF account information using Singpass. To better manage your CPF savings, keep up with the latest news by having your contact details updated and subscribe to our email notifications.

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How much CPF savings can I transfer to myself or my loved ones?

The amount of CPF savings you can transfer depends on your age and to whom you are making the CPF transfer.

If you are below 55

CPF transfer to

Amount of CPF transfer

Self

Any amount of your Ordinary Account (OA) savings to your Special Account (SA)

Spouse

Your OA savings after setting aside the current Basic Retirement Sum (BRS)1

Example (PDF, 60.7KB)

Parents and/or grandparents

Your OA savings after setting aside the current BRS1, provided you can meet the current Full Retirement Sum (FRS) with your OA savings, SA savings, and the net amounts withdrawn for investments and property2.

If you do not own a property2, you can transfer your OA savings after setting aside the current FRS with your OA savings, SA savings, and net amounts withdrawn for investments.

Example (PDF, 71.6KB)

Siblings, parents-in-law and/or grandparents-in-law

Your OA savings after setting aside the current FRS1.

Example (PDF, 60.1KB)

Find out what are the current retirement sums

 

If you are 55 and above

CPF transfer to

Amount of CPF transfer

Self

Any amount of your CPF savings* to your RA

Spouse

Your CPF savings4 after setting aside your BRS3.

Example (PDF, 60.7KB)

Parents and/or grandparents

Your CPF savings4 after setting aside your BRS3, if you can meet your FRS with your OA savings, SA savings, RA savings6, net amounts withdrawn for investments, and property2.

If you don’t have a property2, you can transfer your CPF savings4 after setting aside your FRS3 using your OA savings, SA savings, and net amounts withdrawn for investments.

Example (PDF, 71.6KB)

Siblings, parents-in-law and/or grandparents-in-law

​Your OA savings after setting aside your FRS3.

Example (PDF, 60.1KB)

Find out what are the retirement sums applicable to you.

 

1 Can be set aside using your OA savings, SA savings and net amount withdrawn for investments5

2 CPF savings used for property, including accrued interest (P+I). 

3 Can be set aside using your OA savings, SA savings, RA savings5, and net amount withdrawn for investments4.

4 Your OA savings will be transferred first, followed by your SA savings and then your RA savings. You can write to CPF Board to specify the CPF accounts to transfer from. If you use your RA savings for the transfer, you may not have enough savings to meet your FRS. When you make a withdrawal from your OA and SA, a portion of the savings will be used to meet your FRS in the RA.

5 Investments refer to amounts withdrawn for (i) an active investment account under the CPF Investment Scheme (CPFIS)-OA, and (ii) investments under the CPFIS-SA and discounted Singtel shares that have not been completely disposed of.

6 RA savings refer to the cash set aside in the RA (excluding amounts such as interest earned, any government grants received) plus retirement withdrawals.

* Your SA savings will be transferred first, followed by your OA savings.