CPF Retirement Calculator: Your CPF at 55
Add your CPF balances and pay to see roughly what you could have at 55, whether you reach the Full Retirement Sum, and how much a top-up could help.
What we noticed
Year by year
How this calculator works
Each year until you turn 55, we add your CPF contributions, split them across your accounts by your age, and add interest: 2.5% on your Ordinary Account, 4% on your Special and MediSave Accounts, and the extra 1% on your first S$60,000.
At 55, your Special Account and Ordinary Account savings are used to set aside your Retirement Account, up to the Full Retirement Sum. We compare what you could have with the Full Retirement Sum for the year you turn 55.
The Full Retirement Sum for 2026 and 2027 has been announced. After 2027 we assume it rises about 3.5% a year, which is an estimate. Amounts are in future dollars. This is a guide, not a forecast.
Retirement sums for people turning 55 in 2026
| Basic Retirement Sum | S$110,200 |
|---|---|
| Full Retirement Sum | S$220,400 |
| Enhanced Retirement Sum | S$440,800 |
| Full Retirement Sum in 2027 | S$228,200 |
| Basic Healthcare Sum in 2026 | S$79,000 |
Sources: Official source
Frequently asked questions
What is the Full Retirement Sum?
It is the amount the CPF Board sets aside in your Retirement Account at 55 to give you monthly payouts in retirement. It is double the Basic Retirement Sum. For people turning 55 in 2026 it is S$220,400.
What is the Enhanced Retirement Sum?
It is the most you can set aside for higher monthly payouts. It is double the Full Retirement Sum. For people turning 55 in 2026 it is S$440,800.
Can I use my Ordinary Account for my home?
Yes, within the CPF rules. Money you use for housing is not available for retirement, so check how much you need to keep.
How accurate is this?
It is an estimate. Interest rates, pay, the retirement sums and CPF rules can change. Check your CPF account for your own figures.