CPF Account Value Thread 2026

[Andrew833]

He still meet FRS, so you must know the full story. CPF rules you interpreted are corrected, he met FRS! Because he never tell the whole story, is like we are wrong! and you get misled you can withdraw OA even tho never meet FRS! Here he said is step 3, pm you different story!

If he dun want to share his "secret", he should keep quiet from the start, then I dun have to ask him to bear all now!

He bear all to you, but cannot post "wrong info" here to mislead others!

I kpo only, dun affect me.

It's all in my previous posts, you just didn't read or understand then kpkb.

 

[epsqps]

https://www.cpf.gov.sg/member/tools-and-services/calculators/monthly-payout-estimator
Can use this calculator to know the different.

Sadly I'm not at the age to be eligible to use the calculator. Additionally, i don't see the function to set different age to see the payout at different ages - it seems to be hard locked to your actual age.

 

[BBCWatcher]

Sadly I'm not at the age to be eligible to use the calculator. Additionally, i don't see the function to set different age to see the payout at different ages - it seems to be hard locked to your actual age.

Current age 65 CPF LIFE Standard Plan "benchmark" estimated monthly payout figures are available here.

However, I much prefer looking at CPF LIFE Escalating Plan payout estimates from age 70. The Escalating Plan is the only payout plan that tries to combat inflation, and you must have viable inflation defense in retirement. Bridging to age 70 from other assets (including other CPF savings) is generally the smart play, too. Here are the CPF LIFE Escalating Plan initial monthly payout estimates for a person born in 1971 (age 55 in 2026), expressed in 2041 Singapore dollars:

• Basic Retirement Sum (S$110,200): S$1,020 male / S$930 female
• Full Retirement Sum (S$220,400): S$1,920 male / S$1,740 female
• Enhanced Retirement Sum (S$440,800): S$3,680 male / S$3,330 female

And here are the same estimates pulled back to 2026 Singapore dollars assuming 2%/year average inflation over the next 15 years:

• BRS: S$758 male / S$691 female
• FRS: S$1,427 male / S$1,293 female
• ERS: S$2,734 male / S$2,474 female

If your reaction is, "Those figures are quite low!" then you have a good reaction. Retirement financial math is not easy. How'd you like to live on ~S$700 of real (assuming 2%/year inflation) monthly income for the rest of your life? It wouldn't be fun, would it? So...don't do that! Try to do better, even much better.

 

[epsqps]

Current age 65 CPF LIFE Standard Plan "benchmark" estimated monthly payout figures are available here.

However, I much prefer looking at CPF LIFE Escalating Plan payout estimates from age 70. The Escalating Plan is the only payout plan that tries to combat inflation, and you must have viable inflation defense in retirement. Bridging to age 70 from other assets (including other CPF savings) is generally the smart play, too. Here are the CPF LIFE Escalating Plan initial monthly payout estimates for a person born in 1971 (age 55 in 2026), expressed in 2041 Singapore dollars:

• Basic Retirement Sum (S$110,200): S$1,020 male / S$930 female
• Full Retirement Sum (S$220,400): S$1,920 male / S$1,740 female
• Enhanced Retirement Sum (S$440,800): S$3,680 male / S$3,330 female

And here are the same estimates pulled back to 2026 Singapore dollars assuming 2%/year average inflation over the next 15 years:

• BRS: S$758 male / S$691 female
• FRS: S$1,427 male / S$1,293 female
• ERS: S$2,734 male / S$2,474 female

If your reaction is, "Those figures are quite low!" then you have a good reaction. Retirement financial math is not easy. How'd you like to live on ~S$700 of real (assuming 2%/year inflation) monthly income for the rest of your life? It wouldn't be fun, would it? So...don't do that! Try to do better, even much better

Thanks for the link but it doesn't really answer the question I have in my mind, which is how does the monthly payout changes if one reaches FRS at various age post 55.

Mathematically I'm looking at the impact of remaining tenor (if any) on the monthly payout.

 

[sohguanh]

Dunno which smart aleck decided to revamp whole website and removed all the useful information.

I am guessing previously opened for all ppl use already screenshot the numbers. Later they see in reality they don't get that number so complain to cpf with those screenshots proof and then ask is your cpf website tool calculation correct? Not correct then why let ppl use? etc etc

 

[BBCWatcher]

Thanks for the link but it doesn't really answer the question I have in my mind, which is how does the monthly payout changes if one reaches FRS at various age post 55.
Mathematically I'm looking at the impact of remaining tenor (if any) on the monthly payout.

Even without an AI assistant you may be able to compute reasonable payout estimates. Look at the "Savings in your RA at age 65" column. Those are the sample RA balances upon entry into CPF LIFE (age 65 payout start, Standard Plan). If you have a different CPF LIFE entry balance, compute that first. Then interpolate.

To compute the CPF LIFE entry balance you need to know some basic facts: RA interest is assumed to be 4.0% per annum, compounded annually, and typically you can also safely assume that maximum bonus interest of S$900 per year will be paid into RA. (The bonus interest will also compound.)