When you turn 55, the CPF Board sets up a Retirement Account from your savings. The amount it sets aside depends on three levels, called retirement sums.
The three retirement sums
For people turning 55 in 2026:
| Retirement sum | Amount |
|---|---|
| Basic Retirement Sum (BRS) | S$110,200 |
| Full Retirement Sum (FRS) | S$220,400 |
| Enhanced Retirement Sum (ERS) | S$440,800 |
The FRS is double the BRS. The ERS is double the FRS. The amounts are fixed for you at 55. The ERS for people turning 55 in 2027 is S$456,400, so the FRS that year is S$228,200.
What each one is for
- BRS: a smaller amount, usually available if you pledge a property with enough lease left.
- FRS: the standard target at 55.
- ERS: the most you can set aside, for the highest monthly payouts. CPF says an ERS can give payouts of up to S$3,440 a month from age 65.
How it is set up at 55
Your Special Account savings are used first, then your Ordinary Account, up to the Full Retirement Sum. Money above that can be used in other ways, within the CPF rules.
If you will not reach the FRS
- Top up your Special Account before 55 with cash. Each dollar earns 4% plus any extra interest.
- Avoid using more of your Ordinary Account for housing than you need.
- Look at the BRS option if you own a property.
The CPF retirement calculator shows what you could have at 55, and roughly how much you would need to add each month.
Looking ahead
The sums rise over time. We assume about 3.5% a year after 2027 in the calculator. That is an estimate, not an announcement.
Related
CPF retirement calculator See if you are on track for the Full Retirement Sum.Sources
- CPF Board: Current Enhanced Retirement Sum
- CPF Board: CPF interest rates and Basic Healthcare Sum for 2026
This article is for education and is not financial, tax or legal advice. Figures are checked against the sources above and may change. Read the full disclaimer.