Scheduled maintenance: Long-term care insurance information on Healthcare Dashboard is unavailable from 26 April 2024, 8pm to 28 April 2024, 11.30pm for upgrades.

Scheduled maintenance: CPF digital services will not be available on 28 Apr 2024, from 12am to 6am.

Scheduled maintenance: Long-term care insurance information on Healthcare Dashboard is unavailable from 26 April 2024, 8pm to 28 April 2024, 11.30pm for upgrades.

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I have not joined CPF LIFE yet. How can I increase my future monthly payouts?

There are a few ways to increase your future CPF LIFE monthly payouts:

  1. Topping up your Retirement Account (RA) under the Retirement Sum Topping-up Scheme
    You or your loved ones can make cash top-ups and CPF transfers to your RA up to the current Enhanced Retirement Sum by logging in with your Singpass at cpf.gov.sg/rstuform. The more RA savings you use to join CPF LIFE, the higher your monthly payouts.

  2. Deferring your monthly payouts (up to 70)
    Consider deferring your payouts if you are still working or have other income. Your monthly payouts will increase by up to 7% for each year that you defer. If you choose to defer until 70, you could get up to a 35% increase in payouts as your CPF savings would have accumulated more interest. You will only need to decide your CPF LIFE plan when you wish to start your payouts. The latest age you can start your payouts is 70, after which they will automatically begin.

  3. Monetising your property
    If you own a property, you can also consider monetising your property.

You can use the CPF LIFE Estimator to find out how much RA savings you need, or the age you need to start your payouts to get your desired monthly payout.