Project your CPF balances at 55 and see how much you need for retirement under the BRS/FRS/ERS framework.
Input your birth year (to determine your cohort's retirement sum), current OA, SA, and MA balances. The tool pulls the applicable Full Retirement Sum (FRS) or Enhanced Retirement Sum (ERS) for your cohort.
Adjust expected salary growth and contribution rates. See how increasing your contributions or delaying retirement affects your final balances.
See your projected FRS/ERS attainment age, how much you need to top up to reach your Full Retirement Sum, and your estimated monthly CPF LIFE payout at age 65.
Use the Retirement Sum Topping-Up Scheme to make tax-deductible voluntary contributions to your SA or RA, up to the Enhanced Retirement Sum. Top-ups made by age 55 count toward your FRS.
The CPF Retirement Sum Estimator is part of LaiUse's growing collection of singapore tools, cpf calculator, hdb calculator, iras tax. Like every tool on LaiUse, it runs entirely in your browser — meaning your data, files, and inputs stay on your device throughout the entire process.
LaiUse offers Singapore tools alongside singapore salary calculator, cpf contribution calculator, hdb affordability calculator. The entire platform is free to use with no signup required, making it a popular choice for developers, designers, and everyday users who need a quick tool without the overhead of a SaaS subscription.
Whether you need the cpf retirement sum estimator for a one-off task or as part of your regular workflow, LaiUse is designed to be fast, reliable, and private. Bookmark this page to come back anytime, or explore the rest of the Singapore category for related tools.
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