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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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How does the CPF LIFE Basic Plan work?

CPF LIFE Basic Plan is a legacy plan carried over from the time CPF LIFE was first introduced in 2009. Many members would find the Standard or Escalating Plan more suited to their needs. Unlike the CPF LIFE Standard Plan that gives higher and level monthly payouts, the monthly payouts under the Basic Plan are lower and will get progressively lower when your combined CPF balances eventually fall below $60,000. This is because the extra interest is earned on the first $60,000 of your combined CPF balances are credited to the Retirement Account (RA) and paid as part of your monthly payouts. As balances fall due to payouts, the extra interest earned and subsequent payouts will decline as well.

Under the LIFE Basic Plan, about 10-20% of your RA savings will be deducted as CPF LIFE premium when you join CPF LIFE, which can be any time from 65 to 70.

Your monthly payout will first be paid from your RA and is estimated to last until 90. Thereafter, monthly payouts will be paid from your CPF LIFE premium. If your CPF LIFE premium is depleted, you will continue to receive monthly payouts no matter how long you live.