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The CPF Retirement Sum is the principal amount¹ of savings in your CPF Retirement Account (RA). The more savings you have in your RA, the higher your monthly payouts will be in retirement.

 

There are three Retirement Sum reference points to guide you on the Retirement Sum to set aside based on your retirement needs.

If you are age 55 and above, visit the Retirement Dashboard to find out whether you have set aside your FRS and the amount you can top up to your RA for higher monthly payouts.

 

¹This includes CPF contributions, top-ups and transfers from other CPF accounts to the RA, but generally excludes government grants. Interest earned on RA savings is excluded.

²If you own a property in Singapore with remaining lease that lasts you until you are 95 or older, you may apply to withdraw RA savings down to your BRS.