CPF LIFE Planner
Project your CPF LIFE monthly payout, compare Standard vs Basic vs Escalating, model an RSTU top-up, and see when deferring payouts to 70 actually breaks even.
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4 inputs, headline numbers
You turn 55 in 2025. Cohort sums: BRS $106,500 · FRS $213,000 · ERS $426,000.
Each year deferred lifts your monthly payout by ~7%.
Standard plan · starting at age 65
$1,670/ month
CPF band: $1,587–$1,754/mo · Based on RA $213,000 at 55
Lifetime income to 95
$621,240
From age 65, nominal
Estimated bequest at 80
$0
To nominees if death at 80
Annual payout (year 1)
$20,040
12 × monthly
Annual at 85
$20,040
Level payout
Projection
X-axis = age · Y-axis = monthly payout (SGD)
Source: CPF LIFE payout estimates aligned to CPF Board's published cohort tables, effective 1 January 2026. Numbers are non-guaranteed mid-point estimates — your actual payout depends on the prevailing CPF LIFE interest rate, your exact RA balance, and any future scheme revisions. The bequest, deferral, and top-up models are simplified approximations for planning, not commitments. Always verify against the official CPF LIFE Estimator at cpf.gov.sg before making irreversible decisions. This tool is for personal planning only and is not financial advice.