If you are not on CPF LIFE* in retirement, topping up your Special or Retirement Account will generally increase your monthly payouts. However, if your remaining payout duration is short, the top-up will extend your payout duration instead so that your Retirement Account can continue to provide you with monthly payouts during your retirement.
For more personalised estimates, use the
CPF Monthly Payout Estimator. This tool helps you project your monthly CPF payouts in retirement and simulate the effect of different top-up amounts on your monthly payout.
*Members born in 1958 or later will be placed on CPF LIFE if they have at least $60,000 in their Retirement Account when they commence their monthly payouts.
