Beware of scam calls and scam messages impersonating as CPF officers asking for your personal details. Ignore them and do not share your Singpass ID/password or banking details with anyone. CPF officers will NOT ask for your Singpass, banking userid or password.

Scheduled Maintenance: CPF digital services will not be available on 29 Jan 2023, from 12am to 5am.

Message from GovTech: Some users may be experiencing difficulties accessing digital services with Singpass. We are working to resolve the issue. We apologise for any inconvenience caused, and will provide updates in due course.

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How are monthly payouts calculated if I am not on CPF LIFE?

If you are not on CPF LIFE, your monthly payouts are calculated to last you for up to 20 years. This takes into account the projected growth of your retirement savings at the current base interest rate of 4% p.a..

As Singaporeans live longer, more than half of Singaporeans who are 65 today are expected to live more than 20 years. To protect you against the risk of outliving your payouts, the extra interest paid by the Government (up to 2% per year) on your retirement savings is used to extend your payouts beyond 20 years, up to 90* or another five years, whichever ends later.

How are monthly payouts calculated if I am not on CPF LIFE?
*Up to age 90, or another five years, whichever ends later.
 
Use this payout estimator to check how much monthly payouts you can receive from your retirement savings.