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 from 26 Nov 2022, 10pm to 27 Nov 2022, 7am.

Maintenance: CPF digital services are not available on 22 Nov 2022 from 12.30pm to 2.30pm. You may access CPF Mobile app.

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

You can get higher CPF LIFE monthly payouts by:

  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 Enhanced Retirement Sum by following the steps below:
            1. Head to
            2. Log in using your Singpass
    The more RA savings you use to join CPF LIFE, the higher your monthly payouts.

  2. Starting your monthly payouts later (up to 70)
    You can start your payouts at a later age. For each year that you start later, your CPF LIFE monthly payouts will increase by up to 7%. This will give you up to 35% increase in payouts if you choose to start your payouts at 70 as your CPF savings will accumulate more interest. You will only need to apply for 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.