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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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As I am reaching 55 years old, can I continue to use my CPF savings to pay my housing loan after I turn age 55?

On your 55th birthday, a Retirement Account will be created for you. Savings up to your Full Retirement Sum from your Special Account and Ordinary Account will be transferred to your Retirement Account.

You can continue to use the following from your CPF savings to pay your housing loan:

  • Your savings which you have applied to reserve in your Ordinary Account before your 55th birthday. This reserved amount 1  will not be transferred to your Retirement Account. Hence, you can continue to use it to pay your housing loan after turning 55 years old. To reserve your Ordinary Account savings, please log on using your Singpass to my cpf Online Services > Click on “My Requests” > Select “Retirement (eg. Retirement Sum & Age 55 applications)” > Select "Decide on my CPF options for members reaching 55";
  • Your new CPF contributions to your Ordinary Account (if you continue working after 55).

When you start your monthly payouts under CPF Life or the Retirement Sum Scheme, your reserved OA savings will be transferred to your Retirement Account if you have not set aside your Full Retirement Sum. This transfer increases your RA savings and will enhance your monthly payouts.