CPFB | Build my desired retirement income

Build my desired retirement income

Turn your retirement dreams into reality through early planning. CPF LIFE ensures you'll always have a steady stream of income every month, no matter how long you live.

Retirement Retreat

Plan for your desired retirement lifestyle

If you saved $200,000 at 55 years old, you'll get monthly payouts of about $1,600 at 65 years old.

This is almost equivalent to starting with a sum of $300,000 at 65 years old, around $100,000 more than you started off with.

Enjoy a reliable stream of income in your retirement years

As life expectancies rise, you should plan for longer retirement years.

More than 1 in 2 Singaporeans aged 65 can expect to live beyond 85 today.

Choose from three CPF LIFE plans that best support your lifestyle

CPF LIFE is a national longevity insurance annuity scheme that insures you against running out of your retirement savings, by providing you with a monthly payout no matter how long you live.

Whether it's Escalating Plan, Standard Plan or Basic Plan, consider which best suits your needs.

Start your payouts anytime from age 65 to 70

Decide on your CPF LIFE plan when you want to start your payouts. If you do not need the monthly payouts at 65, you have the option to defer.

For every year you defer, your payouts will increase by up to 7%. Payouts will start automatically at age 70 if you have not chosen to start earlier.

Start planning today

Retirement Payout Planner

Calculate your estimated monthly payouts based on your current CPF savings. See how your monthly payouts change when you top up your CPF savings, or choose different CPF LIFE plans.

Let's start

Make a cash top-up

Top up your CPF savings today for higher payouts. With stable interest rates and tax benefits, every dollar you save now brings you closer to your desired lifestyle.

Top up now

Dorothy's retirement recipes: Pineapple tarts

Watch this heart-warming kitchen session where traditional baking meets modern retirement planning. Dorothy and Jimmy discuss how CPF LIFE plans are just like different pineapple tart recipes: there's one perfect for everyone.

Uncertain about retirement? Start planning with confidence

Learn how Singaporeans in their 50s are tackling retirement planning confidently. With some intentionality, clarity, and the right CPF tools and resources, retirement can be the start of a new and rewarding chapter.

Find out how

Looking to explore more resources?

Give your future the star treatment it deserves. Make use of Plan Life Ahead, Now! (PLAN) with CPF, a one-stop portal empowering you to take charge of your financial journey and build a strong foundation with CPF at every life stage, via a suite of resources.

Find out how

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Retirement dreams in action

"One of the best financial decisions I made was topping up my Retirement Account (RA). The higher interest rates on my CPF savings have really helped grow my retirement nest egg. What's even better is that this translates to higher monthly CPF LIFE payouts when I retire. It's a practical way to secure a more comfortable retirement!"

- Audrey, 64, Retiree

"When planning for retirement, it's important to think about the lifestyle you want, your goals, and the possible limitations. Distinguish between essential expenses, like daily living costs and healthcare, and luxury spending such as travelling or dining out. This helps you plan more effectively. Retirement takes years to prepare for, so it's best to start early!"

- Victor, 63, Self-employed

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Plan for your desired retirement lifestyle