Scheduled Maintenance: CPF digital services will not be available on 22 May 2022, from 2am to 5am (Singapore time) due to system maintenance. We apologise for any inconvenience caused.

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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What is the Basic Healthcare Sum?

The Basic Healthcare Sum (BHS) is the estimated savings you need in your MediSave Account for your basic subsidised healthcare needs in old age.

For CPF members below age 65, the BHS will be adjusted annually to keep pace with the expected growth in MediSave use by the elderly. This ensures that the BHS will stay relevant for each cohort when they arrive at retirement age.

Once CPF members reach age 65, their BHS will be fixed for the rest of their lives.
For CPF members aged below 65 in 2022
The prevailing BHS is $66,000, and will be adjusted yearly.

For CPF members who turn 65 in 2022
The cohort BHS is $66,000 and it will remain fixed for the rest of their lives.

The following table summarises the BHS for respective cohorts aged 65 and above in 2022:

Age in 2022

Year when cohort turned age 65

Cohort BHS

(fixed for life)



















71 and above

2016 or earlier



4 things to know about the Basic Healthcare Sum