CPF Life Payout Calculator
CPF LIFE provides eligible CPF members with monthly payouts for as long as they live, forming an important source of retirement income.
Use this CPF LIFE Payout Calculator to estimate how much you could receive each month based on your Retirement Account savings, payout start age, gender, and selected CPF LIFE plan. You'll get a clearer view of your potential CPF LIFE payout, see how different choices may affect it, and identify whether you may need other savings or investments to support the retirement lifestyle you want.
Try it
Estimate your CPF LIFE payout
Estimate how much monthly CPF LIFE income your retirement savings could provide. Enter the amount you expect to have in your Retirement Account at age 55 and choose when you plan to start your payouts.
Based on CPF Board's published 2026 reference figures
The 2026 figures show estimated CPF LIFE payouts based on the amount set aside in the Retirement Account at age 55. Future retirement sums and actual payouts may differ.
Enter the amount you expect to set aside when your Retirement Account is created at age 55. You may also use the 2026 retirement sums below as reference points.
Use a 2026 reference amount
Age you plan to start your payouts
CPF LIFE payouts can start any time from 65 to 70. Starting later increases your monthly payout.
Estimated payout
About S$1,780 per month
Standard Plan · Payouts from age 65 · Payable for life
CPF Board 2026 reference scenario
Monthly payout by plan
| Plan | Estimate |
|---|---|
| Standard | S$1,780CPF Board 2026 reference figure |
| Basic | S$1,538Illustrative mapped estimate |
| Escalating | S$1,339Illustrative mapped estimate, first year |
Basic, Escalating and female estimates are approximate comparisons derived from limited reference scenarios. Actual CPF LIFE payouts may differ.
Retirement Account savings at 55
S$220,400
Annual estimate
S$21,360
For figures based on your actual account, use the official CPF Monthly Payout Estimator (opens in a new tab) at cpf.gov.sg.
If you have already started receiving CPF LIFE payouts, check your CPF retirement dashboard (opens in a new tab) for your actual payout.
CPF LIFE is your income floor, not your whole plan
CPF LIFE gives you a guaranteed income floor for life, but it's rarely enough on its own to fund the retirement lifestyle you want. Building a separate investment portfolio lets you grow additional wealth to close that gap.
Grow Your Wealth with StashAway General InvestingInvesting involves risk, including possible loss of principal. This is general information only and doesn't take into account your personal financial situation. Not financial advice, nor a solicitation to purchase any product.
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