CPF digital services will not be available on 9 Jan 2022, from 4am to 8am (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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What are the Basic Retirement Sum (BRS), Full Retirement Sum (FRS) and Enhanced Retirement Sum (ERS)?

Depending on your desired CPF LIFE monthly payout and your CPF balances, you can choose to set aside the Basic, Full or Enhanced Retirement Sum. Please click the links below to view the Retirement Sums and corresponding payouts for members turning age 55 in 2022:

Members who own a property may set aside a Basic Retirement Sum (BRS) when they turn 55.

 

Retirement Account savings required at 55

Your monthly payout for life from 65    

If you own a property with remaining lease that can last you to at least 95 years old and choose to withdraw your Retirement Account savings (excluding interest earned, any government grants received and top-ups made under the Retirement Sum Topping-up scheme) above your BRS.      

$96,000

$770 - $830

Note: These monthly payouts are estimates based on the CPF LIFE Standard Plan, for members who turn 65 in 2032, computed as of 2022. Payouts may also be adjusted to account for long-term changes in interest rates or life expectancy. Such adjustments (if any) are expected to be small and gradual.

Members without a property or who wish to receive the full monthly payout can choose to set aside a Full Retirement Sum (FRS) which is two times the Basic Retirement Sum (BRS).

 

Retirement Account savings required at 55

 

Your monthly payout for life from 65

If you do not own a property or choose not to withdraw your Retirement Account savings (excluding interest earned, any government grants received and top-ups made under the Retirement Sum Topping-up scheme) above your BRS.

$192,000

The FRS is 2 x BRS

$1,450 - $1,550 

Note: These monthly payouts are estimates based on the CPF LIFE Standard Plan, for members who turn 65 in 2032, computed as of 2022. Payouts may also be adjusted to account for long-term changes in interest rates or life expectancy. Such adjustments (if any) are expected to be small and gradual.

Members who wish to receive higher payouts can set aside the Enhanced Retirement Sum (ERS), which is three times the Basic Retirement Sum (BRS)

 

Retirement Account savings required at 55

Your monthly payout for life from 65

If you wish to put more savings in CPF LIFE.

$288,000

The ERS is 3 x BRS

$2,120 - $2,280 

Note: These monthly payouts are estimates based on the CPF LIFE Standard Plan, for members who turn 65 in 2032, computed as of 2022. Payouts may also be adjusted to account for long-term changes in interest rates or life expectancy. Such adjustments (if any) are expected to be small and gradual.