CPF & Retirement
Project your CPF, estimate CPF LIFE payouts, set a retirement number and compare top-ups with SRS.
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Plan For Life After Work
Pick the question that matters to you now. Some steps offer to reuse a number from an earlier step, in this browser tab only.
How Much Do I Need To Retire?
Find the savings you need for the monthly spending you want.
Find Out →How Much Will My CPF Grow By 55?
See roughly what your CPF could grow to by 55.
Find Out →How Much Will CPF LIFE Pay Me Each Month?
Estimate the monthly CPF LIFE payout you could get.
Find Out →Want The Full Path, In Order?
How Much Will My CPF Grow By 55?
CPF Projection Calculator
Enter your age, salary and CPF balances. See your estimated OA, SA and MA balances at 55, or at an age you choose, compare OA plus SA with a retirement-sum benchmark, and see a rough CPF LIFE payout from 65.
Work Out My Number →How Much Tax Can SRS Save Me?
SRS Optimiser
SRS (Supplementary Retirement Scheme) is a voluntary retirement account that lowers your taxable income. Enter your income and this year’s contribution to see the tax you could save.
Work Out My Number →Should I Pay My Home Loan With CPF Or Cash?
CPF Vs Cash Mortgage Payoff
Paying your home loan with CPF OA or cash? Enter your loan details to compare the wealth each path leaves you at the end of the loan, with a year-by-year chart.
Work Out My Number →How Much Do I Need To Retire?
Retirement Number Planner
Enter your age, savings and the monthly income you want in retirement. See the savings pot you need, whether your current investing gets you there, and the earliest age it could.
Work Out My Number →How Much Will CPF LIFE Pay Me Each Month?
CPF LIFE Payout Estimator
Enter your Retirement Account (RA) savings at 55. See an estimated monthly CPF LIFE payout for life, starting at 65 or 70.
Work Out My Number →Should I Top Up CPF, Use SRS Or Invest?
CPF Top-Up Vs SRS Vs Invest
Enter one amount and your income. Compare what it could grow to as a CPF cash top-up, an SRS contribution or a direct investment, including the tax you save now.
Work Out My Number →CPF & Retirement Guides
How Much Do I Need To Save Each Month To Retire At 60?
See how spending, retirement age, returns and inflation add up to a monthly saving target, with a worked example of retiring at 60 from age 35.
How Much Will CPF LIFE Pay Me Each Month?
Read the published CPF LIFE payout reference, keep age-55 savings apart from age-65 income, and plan for the years before your monthly payouts start.
Should I Top Up My CPF, Contribute To SRS Or Invest?
Compare one amount as a CPF cash top-up, an SRS contribution or direct investing. Look past the tax saving to modelled value, access and withdrawal tax.
How Much CPF Will I Have At 55?
See what your CPF OA, SA and MA balances could be at 55, based on your salary and current balances, against a benchmark you choose.
How Much Tax Does An SRS Contribution Save?
Work out how much tax an SRS contribution saves after your other reliefs. The saving is a one-off tax cut, not an investment return.
Should I Use CPF Or Cash To Pay My Mortgage?
Compare paying your mortgage with CPF or cash by what the money you keep could earn. See why a CPF housing refund is not interest paid to the bank.
Where Should I Start With CPF And Retirement Planning?
Where to start with CPF and retirement: plan your spending first, then match CPF, payouts and savings to when you can use each one.
Already Retired In Singapore? How Can I Make My Money Last?
For people who have stopped work: when CPF LIFE pays, the government help you may get, steadier income, care costs, scams and the legacy basics, in plain words.
Free Retirement Checklist
Give Your Retirement Plan A Clearer Direction.
Keep your CPF questions, future spending and next steps in one retirement checklist.
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