CPF Retirement Income Projector

From First Job to Monthly Income

Your OA, SA and MA grow until 55, when the SA closes and a Retirement Account forms. At your CPF LIFE start age, the RA turns into a CPF LIFE payout for life and the OA is drawn down as a monthly payout.

⚠ Educational model only, not financial advice. CPF LIFE payouts here are estimates. Check your own figures with the CPF Board planners at cpf.gov.sg/member/tools-and-services/calculators.

Start from a profile

Include spouse

Person 1 · Today

Gender

Current age

OA balance ($)

SA balance ($)

MA balance ($)

Work

Monthly salary ($)

Annual bonus (months)

Salary growth a year

Stop working at age

Housing

Pay mortgage with OA

OA used per month ($)

Years of mortgage left

Retirement choices

CPF LIFE start age

Retirement sum at 55

OA paid out over

Cash top-ups to SA / RA

One-time top-up now ($)

Annual top-up ($)

Annual top-ups until age

Advanced settings (shared by both people)

OA interest (%)

SA / MA / RA interest (%)

Retirement-sum growth after 2027 (%)

BHS growth (%)

MediSave used per year ($)

Female CPF LIFE payout vs male (%)

Inflation for today's dollars (%)

Include 2027 rate rise for ages 55–65

Monthly retirement income

Timeline and account growth

Total CPF at each milestone.

Scenario Lab

Each tab changes one thing from the current profile and keeps everything else the same.

Show me the maths

Rules used & sources