Singapore Retirement Calculator
Plan your Singapore retirement with our CPF-focused calculator. Includes CPF LIFE projections, Special Account (SA), Retirement Account (RA), SRS planning, and supplementary retirement savings.
Calculate CPF LIFE monthly payouts, understand different plans (Standard, Basic, Escalating), and optimize your CPF.
Optimize Special Account (up to 4% interest) and Retirement Account contributions for maximum growth.
Plan Supplementary Retirement Scheme (SRS) contributions and private retirement savings strategies.
CPF Accounts
- ✓ Ordinary Account (OA) - up to 2.5% interest
- ✓ Special Account (SA) - up to 4% interest
- ✓ Retirement Account (RA) - up to 4% interest
- ✓ MediSave Account (MA) - healthcare savings
- ✓ CPF LIFE annuity payouts from age 65
- ✓ Basic Retirement Sum (BRS) requirements
Additional Savings
- ✓ SRS (Supplementary Retirement Scheme)
- ✓ Tax relief on SRS contributions
- ✓ CPF top-ups and voluntary contributions
- ✓ Private retirement accounts
- ✓ Investment property planning
- ✓ Insurance and annuity products
CPF Payout Age
65
Payout Eligibility Age
Average Life Expectancy
84
years
Inflation Rate
2.0%
average
CPF Contribution Rate
37%
total (20% + 17%)
FAQs - Singapore Retirement Planning
How much CPF do I need to retire comfortably in Singapore?
The Basic Retirement Sum is S$102,900 (2024), but for comfortable retirement, aim for the Full Retirement Sum (S$205,800) or Enhanced Retirement Sum (S$308,700) for higher monthly payouts.
What is CPF LIFE in Singapore?
CPF LIFE is a national longevity insurance annuity scheme providing lifelong monthly payouts from age 65. You can choose from Standard, Basic, or Escalating plans based on your needs.
Should I top up my CPF Special Account?
CPF SA earns up to 4% risk-free, which is attractive. Top-ups also provide tax relief. Our calculator shows the impact of CPF top-ups on your retirement income.