These examples show what real Singaporean retirees spend each month today. Your own needs may differ and shift with inflation, depending on when you retire. The Retirement Payout Planner factors that in, so you can see what you'll actually need.
$900 a month
Kim Choo lives with her two older sisters. She lives fully on less: home-cooked meals, catch-ups with friends at food courts, takes public transport, SkillsFuture courses, and time for writing.
$1,300 a month
Ganesan lives with his wife and son. He keeps a healthy routine: home-cooked meals, daily walks, ActiveSG gym twice weekly, buys fresh produce, and a regional trip yearly.
$2,400 a month
Zubaidah maintains a family-centred life: meals at the hawker centre, daily walks, errands with her husband and monthly trips to Malaysia. She used to care for her parents and in-laws who have passed on.
$3,600 a month
Peter leads an enriching, active life: hawker meals with occasional restaurant treats, volunteers as a tutor, weekly strength training with an instructor, and travels with friends.
$900 a month
Kim Choo lives with her two older sisters. She lives fully on less: home-cooked meals, catch-ups with friends at food courts, takes public transport, SkillsFuture courses, and time for writing.
$1,300 a month
Ganesan lives with his wife and son. He keeps a healthy routine: home-cooked meals, daily walks, ActiveSG gym twice weekly, buys fresh produce, and a regional trip yearly.
$2,400 a month
Zubaidah maintains a family-centred life: meals at the hawker centre, daily walks, errands with her husband and monthly trips to Malaysia. She used to care for her parents and in-laws who have passed on.
$3,600 a month
Peter leads an enriching, active life: hawker meals with occasional restaurant treats, volunteers as a tutor, weekly strength training with an instructor, and travels with friends.
These are based on real retirees. The names and identifying details have been changed. Individuals shown are for illustration only. Your needs may differ and change with inflation. Use the Retirement Payout Planner to estimate yours.
Figures are illustrative, based on the current floor interest rate of 2.5% and 4% per annum on Ordinary Account (OA), Special Account (SA) or Retirement Account (RA) respectively. Actual amount of CPF savings you can transfer depends on your top-up limit. Savings from your SA will automatically move to your RA at age 55 and continue earning interest towards your monthly payouts. Actual returns will vary if prevailing CPF interest rates change.
The Retirement Payout Planner gives you a clear estimate of your monthly retirement payouts and lets you simulate different top-up scenarios to raise them, so you can plan with confidence.
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Rosita from CPF Board breaks down the retirement sums, CPF LIFE plans, and how she's preparing for her own retirement.
Bring your future into focus with a café-inspired take on retirement planning. Explore interactive zones, collect charms, picture your dream retirement, and leave with practical tips you can use straight away.
