CPF Account Value Thread 2026

[epsqps]

I wonder how much lower is the payout for meeting FRS @ age 55 vs meeting FRS @ age 65.

 

[Andrew833]

I wonder how much lower is the payout for meeting FRS @ age 55 vs meeting FRS @ age 65.

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

 

[BBCWatcher]

@sohguanh
FYI, after age 55, if RA less than FRS but more than BRS. Monthly salary contribution to OA and MA only.

Yes, if you've met at least the FRS inclusive of a property pledge or charge.

If MA already reach BHS then only to OA.

Yup.

I think at at age 65, CPF then transfer your OA to RA to fulfill FRS. (If OA got money to transfer)

There's no "second sweep" attempt if you've already met the FRS. A qualified property pledge or charge counts toward the FRS for these purposes. Also, even if there is a second sweep, I believe it now occurs shortly before you start CPF LIFE payouts. The default CPF LIFE payout starting age is age 70. If you want to start payouts any earlier, you have to ask.

 

[sohguanh]

FYI, after age 55, if RA less than FRS but more than BRS. Monthly salary contribution to OA and MA only

Where did you see this in cpf website? This was my earlier question and if true then one can withdraw out cpf via OA. My understanding is simple as long as RA not at FRS any new monies come in like say cpf contribution or you do housing refund all go into RA to try fill it up to FRS. No withdrawal (except that 5k) allowed. Just think of FRS as die die must have in RA in order to be able to withdraw from your OA if you want later

https://www.cpf.gov.sg/service/arti...-rates-for-senior-workers-from-1-january-2026

a) The increase in the CPF contributions for employees aged above 55 to 65 will be fully allocated to the Retirement Account (RA), up to the Full Retirement Sum (FRS), to help senior workers save more for retirement. If employees have set aside the FRS in their RA, these contributions will be channelled to their Ordinary Account.

 

[Andrew833]

Where did you see this in cpf website? This was my earlier question and if true then one can withdraw out cpf via OA. My understanding is simple as long as RA not at FRS any new monies come in like say cpf contribution or you do housing refund all go into RA to try fill it up to FRS. No withdrawal (except that 5k) allowed. Just think of FRS as die die must have in RA in order to be able to withdraw from your OA if you want later

That's my salary contribution

 

[Andrew833]

Where did you see this in cpf website? This was my earlier question and if true then one can withdraw out cpf via OA. My understanding is simple as long as RA not at FRS any new monies come in like say cpf contribution or you do housing refund all go into RA to try fill it up to FRS. No withdrawal (except that 5k) allowed. Just think of FRS as die die must have in RA in order to be able to withdraw from your OA if you want later

https://www.cpf.gov.sg/service/arti...-rates-for-senior-workers-from-1-january-2026

a) The increase in the CPF contributions for employees aged above 55 to 65 will be fully allocated to the Retirement Account (RA), up to the Full Retirement Sum (FRS), to help senior workers save more for retirement. If employees have set aside the FRS in their RA, these contributions will be channelled to their Ordinary Account.

a) The increase in the CPF contributions for employees aged above 55 to 65 will be fully allocated to the Retirement Account (RA), up to the Full Retirement Sum (FRS), to help senior workers save more for retirement. If employees have set aside the FRS in their RA, these contributions will be channelled to their Ordinary Account.

I think this part is for those below FRS and no property pledge, so did not fulfill FRS criteria.

 

[sohguanh]

That's my salary contribution

https://www.cpf.gov.sg/service/arti...-rates-for-senior-workers-from-1-january-2026

Same URL beneath there is a cpf allocation rate table pdf. Example 2 show it does go into OA and RA and MA hmmmm. Now for your case your RA below FRS ok now can you do a OA withdrawal? Help others in this forum. I want to verify my earlier assumption is not true as below FRS there is a way to withdraw from OA after RA is created?

 

[Andrew833]

https://www.cpf.gov.sg/service/arti...-rates-for-senior-workers-from-1-january-2026

Same URL beneath there is a cpf allocation rate table pdf. Example 2 show it does go into OA and RA and MA hmmmm. Now for your case your RA below FRS ok now can you do a OA withdrawal? Help others in this forum. I want to verify my earlier assumption is not true as below FRS there is a way to withdraw from OA after RA is created?

With auto property pledge, I can withdraw OA any time

 

[Andrew833]

If you want to insist you are right based on your own case study and the CPF rules are wrong, you would have to share your complete profile to prove your case.

1. At 55, you did not meet FRS?
2. Did you use OA to pay for your property? DId CPF use this money to form FRS at 55 for you? (check your CPF statement, it will show.) This amount + balance in RA at 55 = FRS?
3. If #2 is true, your RA at 55 is above BRS ?
4. You are now below 65, your RA is still below FRS but above BRS?
5. Your salary contributions go to OA/MA - noted

Pls confirm and add any other additional info. If you confirm the above, I can explain why.

Don't need to proof, I share what I experience. If you read my posts, all these details are in there.

 

[royalmix]

If you want to insist you are right based on your own case study and the CPF rules are wrong, you would have to share your complete profile to prove your case.

1. At 55, you did not meet FRS?
2. Did you use OA to pay for your property? DId CPF use this money to form FRS at 55 for you? (check your CPF statement, it will show.) This amount + balance in RA at 55 = FRS?
3. If #2 is true, your RA at 55 is above BRS ?
4. You are now below 65, your RA is still below FRS but above BRS?
5. Your salary contributions go to OA/MA - noted
6. You have withdrawn OA more than 5k?

Pls confirm and add any other additional info. If you confirm the above, I can explain why.

With auto property pledge, I can withdraw OA any time

Your auto property pledge refers to my step # 2? You just need to confirm this.

 

[BBCWatcher]

With auto property pledge, I can withdraw OA any time

You must mean property charge. "Auto property pledge" doesn't exist. The CPF Board uses different words for different things.

You presumably used OA dollars for housing, haven't repaid them all, and thus have a property charge. Your CPF Retirement Dashboard should reflect your property charge in terms of computing how much you're eligible to withdraw from your RA. If you don't have a valid property charge, you can make a property pledge (something that isn't automatic) if you ever want to make a large lump sum withdrawal from your RA.

 

[Andrew833]

Your auto property pledge refers to my step # 2? You just need to confirm this.

2. Did you use OA to pay for your property? DId CPF use this money to form FRS at 55 for you? (check your CPF statement, it will show.) This amount + balance in RA at 55 = FRS?

Yes, I use OA to buy property.
DId CPF use this money to form FRS at 55 for you? Yes, cos I can still withdraw OA when my RA is below FRS.
I didn't made/ email or speak to officer about property pledge.
My property + RA = more than FRS

 

[royalmix]

2. Did you use OA to pay for your property? DId CPF use this money to form FRS at 55 for you? (check your CPF statement, it will show.) This amount + balance in RA at 55 = FRS?

Yes, I use OA to buy property.
DId CPF use this money to form FRS at 55 for you? Yes, cos I can still withdraw OA when my RA is below FRS.
I didn't made/ email or speak to officer about property pledge.
My property + RA = more than FRS

ok puzzle solved!

 

[Andrew833]

sohuguanh, u still remember my step# 3 in my prior post? I suspect he is referring to that.

You cannot rely on what he post. Why, just refer to the post on how extra interest is computed, look how confused he is.

You didn't see the link I share? And you said I'm confuse?

 

[BBCWatcher]

Yes, I use OA to buy property.
I didn't made/ email or speak to officer about property pledge.

Yes, OK, so you have a property charge in place, not a property pledge.

 

[Andrew833]

You are confused, I refuse to correct your post, waste of my time when I already clearly explained in my post.

Haha nvm let CPF explain themselves

 

[Andrew833]

Puzzle solved!

Remember my step #3

1. IF X < FRS, the system will check if you have CPF savings used for your property (including accrued interest) say C, if so it will automatically be counted towards meeting up to half of your FRS = X+C = Y. If Y = FRS, you have met FRS at 55. If Y< FRS, you still have not met FRS at 55.

Your questions mostly focus on Step #3. Members in this situation face a more complicated situation after 55. I have seen a case but only saw what happened at 65. The system will attempt to sweep OA amounts needed from OA to RA to form FRS. I believe there is more complexity so if you are going to be in this situation, pls talk to CPFB to understand the implications.

(That person is not bothered with CPF, self employed so has low CPF, only meets mandatory MA contributions, focus on making as much from business and relies on wealth outside CPF.)

Step # 3 – CPF website references: CPFB | What happens if I have used my CPF savings to pay for my home and do not have enough CPF savings left to set aside Full Retirement Sum when I turn 55?

Andrew called the above auto property pledge!

You can set aside your Full Retirement Sum (FRS) with a mixture of CPF savings in your Retirement Account (RA) and CPF savings used for your property. At age 55, if your RA savings is less than your FRS, the CPF savings used for your property (including accrued interest) will automatically be counted towards meeting up to half of your FRS.

 

[Andrew833]

Hi Andrew833 assume you PM me is true you need to lay down in point form your case to royalmix

1. At 55 RA is formed with FRS
2. After RA formed later you use pay for house this then lead to a fall from FRS

Your case is at Step 1 your RA is FRS. Then later it drop because buy house and then you notice cpf contribution go into your OA

Don't need to tell so much detail in open and to him. It's personal, so I PM you. Pls delete the detail.

 

[royalmix]

Hi Andrew833 assume you PM me is true you need to lay down in point form your case to royalmix

1. At 55 RA is formed with FRS
2. After RA formed later you use pay for house this then lead to a fall from FRS

Your case is at Step 1 your RA is FRS. Then later it drop because buy house and then you notice cpf contribution go into your OA

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.

 

[sohguanh]

Don't need to tell so much detail in open and to him. It's personal, so I PM you. Pls delete the detail.

Deleted as requested