Scheduled Maintenance: CPF digital services will not be available on 22 May 2022, from 2am to 5am (Singapore time) due to system maintenance. We apologise for any inconvenience caused.

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View personal CPF information and transactions for retirement, home ownership, healthcare, and more.

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CPF empowers you to secure your life goals. Save for retirement, home ownership, and healthcare protection.

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For greater peace of mind in your golden years, CPF provides you with a strong foundation for retirement by helping you save for your retirement income, home ownership and healthcare needs.

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Build a strong foundation for your retirement and get more from what you save in your golden years.

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Owning a home can be affordable. Take care of your mortgage repayment, while protecting your retirement nest egg.

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Learn how CPF can give you peace of mind to manage your basic healthcare sum and meet the costs of your healthcare needs.

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Throughout your working life and in retirement, you can easily access your CPF account information using Singpass. To better manage your CPF savings, keep up with the latest news by having your contact details updated and subscribe to our email notifications.

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Monthly payouts
Receive retirement income no matter how long you live.
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Withdrawals for immediate needs
Make withdrawals for immediate cash needs.
Retirement income

Monthly payouts

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We cannot predict how long we'll live. Hence it’s not easy to decide how much we need for our retirement.  Spend too much and you might not have enough. Save too much and you end up depriving yourself. 

 

That's why we launched CPF LIFE. A scheme that provides you with monthly payouts no matter how long you live. With CPF LIFE, you can fully enjoy the savings you've built, with greater peace of mind.

 

The monthly payouts you’ll receive depends on how much retirement savings you have.

More on how your retirement savings are set aside More on monthly payouts
Unlock the value of your property

Did you know your property can be an additional source of retirement income?  

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Moving to a 3-room or smaller flat and receive a bonus

If you are moving to a 3-room or smaller flat, you can supplement your retirement income by topping up your CPF Retirement Account through the Silver Housing Bonus scheme to boost your CPF monthly payouts, and receive a cash bonus of up to $30,000.

More details
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Ageing in place and monetise your housing property

If you own a HDB flat

You can sell part of your flat’s lease to HDB through the Lease Buyback Scheme, and use the proceeds to top up your CPF Retirement Account to boost your CPF monthly payouts in retirement, while continuing to live in your flat. You can also receive a cash bonus of up to $30,000.

More details

If you own a private property

You can consider speaking with your financial institution or advisor on the available products in the market that allow you to monetise your private property to supplement your retirement income while ageing in place. As with all important financial decisions, please understand the nature of the product, and assess your risk tolerance and retirement needs before deciding if it is appropriate for you.

Retirement withdrawals

Withdrawals for immediate needs

If you have an immediate need, you can withdraw up to $5,000 after 55. You can withdraw more, if you have set aside the required retirement sum in your Retirement Account.

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Early retirement
Withdrawing on reduced life expectancy

If you have been certified by an accredited doctor to have a reduced life expectancy, you can apply to withdraw some of your CPF savings.

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Cash payouts for the elderly

Eligible seniors aged 65 and above will automatically receive payouts every three months. This benefits Singaporeans who had low incomes through life and now have little or no family support.

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