CPF Life Payout Estimator Singapore 2026
Estimate your monthly CPF Life payouts at retirement. Enter your current CPF balances and see projected payouts across all three CPF Life plans.
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Years to Retirement30 years
Projected Balance at Age 65$573,125.99
Estimated Monthly CPF Life Payouts
| Plan | Est. Monthly Payout | Description |
|---|---|---|
| Basic Plan | $3,324.13 | Higher bequest, lower payout |
| Standard Plan | $4,126.51 | Balanced payout and bequest |
| Escalating Plan | $3,438.76 | Payouts increase 2% yearly |
Standard plan payout covers approximately 12 years based on projected balance.
Disclaimer: Estimates only — actual payouts depend on CPF Life plan chosen and prevailing interest rates. OA earns 2.5% p.a. and SA/RA earns 4% p.a. (first $60K earns extra 1%). Consult CPF Board for official estimates.
Supplement your retirement with Income Insurance →How to Use This Calculator
- Enter your current age and CPF OA/SA balances (check via CPF app or website).
- Add any voluntary monthly top-up you plan to make to your SA or RA.
- Compare estimated payouts across Basic, Standard, and Escalating CPF Life plans.
Key Rates Used
| Parameter | Value |
|---|---|
| OA Interest Rate | 2.5% p.a. |
| SA/RA Interest Rate | 4.0% p.a. |
| Extra Interest (first $60K) | +1.0% p.a. |
| Payout Start Age | 65 |
Last updated: March 2026 · CPF Board