Singapore Retirement Calculator 2026 - Free CPF Planning & Investment Tool
Free retirement calculator 2026 for Singaporeans. Plan your retirement with CPF LIFE calculator, CPF retirement calculator, SA/RA accounts, SRS contributions, and retirement income strategies. Calculate in SGD with our comprehensive Singapore retirement planning tool.
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%)
How to Use the Singapore Retirement Calculator 2026
Our free Singapore retirement calculator helps you plan for retirement using the CPF (Central Provident Fund) system. Calculate your CPF LIFE payouts, optimize your CPF Special Account and Retirement Account, and plan your SRS (Supplementary Retirement Scheme) contributions.
CPF LIFE Calculator: CPF LIFE provides lifelong monthly payouts from age 65. Our calculator helps you estimate your CPF LIFE monthly payouts based on your CPF balance and choose between Standard, Basic, or Escalating plans.
CPF Retirement Calculator: The CPF system includes Ordinary Account (OA), Special Account (SA), and Retirement Account (RA). Our calculator helps you understand how your CPF accounts grow and project your retirement income from CPF.
SRS Planning: The Supplementary Retirement Scheme (SRS) offers tax relief on contributions and complements your CPF savings. Our calculator helps you plan SRS contributions for additional retirement income.
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Frequently Asked Questions - Singapore Retirement Planning
How do I use a CPF life calculator?
A CPF LIFE calculator helps estimate your monthly payouts from CPF LIFE based on your CPF balance at age 65. Our CPF retirement calculator Singapore includes CPF LIFE projections, allowing you to see how different CPF balances and plan choices affect your retirement income. You can also use the official CPF LIFE Estimator on the CPF website.
What is a CPF retirement calculator?
A CPF retirement calculator helps Singaporeans estimate their retirement income from CPF accounts including CPF LIFE payouts. Our CPF calculator Singapore factors in your CPF Special Account, Ordinary Account, Retirement Account balances, and projects CPF LIFE monthly payouts based on the plan you choose (Standard, Basic, or Escalating).
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.