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CPF Retirement Sum Calculator (BRS, FRS, ERS)
Free CPF retirement sum calculator: the Basic, Full and Enhanced Retirement Sums for the year you turn 55 (S$110,200 / S$220,400 / S$440,800 in 2026), what you must set aside, and how much you can withdraw.
You at 55
Your Full Retirement Sum (turning 55 in 2026)
S$220,400
| Basic Retirement Sum (BRS) | S$110,200 |
| Full Retirement Sum (FRS) | S$220,400 |
| Enhanced Retirement Sum (ERS) | S$440,800 |
| Set aside in your Retirement Account (BRS with pledge) | S$110,200 |
| You can withdraw at 55 | S$139,800 |
CPF estimates monthly CPF LIFE payouts from 65 of about S$950 (BRS), S$1,780 (FRS) and S$3,440 (ERS) on the Standard Plan.
Announced sums
| Turning 55 in 2025 | S$106,500 / S$213,000 / S$426,000 |
| Turning 55 in 2026 | S$110,200 / S$220,400 / S$440,800 |
| Turning 55 in 2027 | S$114,100 / S$228,200 / S$456,400 |
BRS / FRS / ERS. Your BRS and FRS stay fixed once you turn 55. You can always withdraw at least $5,000 at 55. The ERS is the most you can top up to.
Rules last checked October 2026. Simplified; CPF works out your exact amounts at 55. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: CPF: CPF LIFE and retirement sums
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
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Questions people ask
What is the Full Retirement Sum in 2026?+
S$220,400 for members turning 55 in 2026. The BRS is S$110,200 and the ERS S$440,800.
How much can I withdraw at 55?+
Your savings above the FRS (or above the BRS if you pledge a property), and at least S$5,000.
What are the 2027 sums?+
For members turning 55 in 2027: BRS S$114,100, FRS S$228,200, ERS S$456,400.