CPF · from CPF Board
CPF numbers, from CPF Board
CPF’s numbers from CPF Board’s own pages: this quarter’s interest rates, contribution rates by age, the retirement sums, and calculators for your contributions and CPF LIFE payouts.
In short
CPF numbers from CPF Board’s own pages: this quarter’s interest rates, the contribution rates by age, the retirement sums for each birth year, and calculators for your contributions and your CPF LIFE payouts. Each page links its source and shows when we last read it. They show the numbers and CPF’s rules, not advice on what to do with your CPF.
Where to start
You want this quarter’s CPF interest
The OA and SA, MediSave and RA rates now, the extra interest, and what your own balances earn this year.
Work out your CPF interest →You’ve started a job or changed pay
What goes into your CPF each month at your age and pay, and how it splits between your accounts.
Open the CPF calculator →You or your staff are over 55
The contribution rates by age now and from 1 January 2027, and what an employer pays.
See what changes in January →You’re turning 55 soon
The retirement sums for your birth year, which one is yours and what you can take out at 55.
Find your retirement sum →You’re planning your payouts
What CPF LIFE pays each month on each plan, from 65 or later up to 70.
Work out your CPF LIFE payout →You’re weighing your OA against a T-bill
The OA’s interest against a T-bill after the interest given up and bank charges.
Compare CPF OA and T-bills →
Every page
Tracker
CPF interest rates: OA, SA, MediSave and RA this quarter
2.50% CPF Ordinary Account
This quarter’s CPF interest rates from CPF Board, the extra interest on your first $60,000, what your balances earn in a year, where next quarter’s rate is heading, and every rate since 1955.
Updated 27 Oct 2026
Tracker
CPF contribution rates 2026 and 2027: every age, and what changes on 1 January
37% CPF contribution rate, aged 55 and below
CPF Board’s contribution rates for every age and every rate table, what changes for workers above 55 to 65 on 1 January 2027, your own CPF and take-home pay now and from January, what it costs employers, and every rate since 1955.
Updated 26 Oct 2026
Tracker
CPF retirement sums 2026: BRS, FRS and ERS, which are yours, and every year since 2003
$220,400 Full Retirement Sum, turning 55 in 2026
BRS $110,200, ERS $440,800. Yours, what you can take out at 55 and the payout from 65.
CPF Board’s Basic, Full and Enhanced Retirement Sums for 2025 to 2027, and our labelled estimate for later years; the sums for the year you were born, with what you can take out at 55 and CPF LIFE’s monthly payout; what a top-up adds; the Budget 2026 top-up and the matching grant; and every year since 2003.
Updated 27 Oct 2026
Calculator
CPF calculator
$2,220 into CPF on $6,000 a month
$1,200 from you, $1,020 from your employer. The calculator follows your accounts to 55 and the Retirement Account CPF sets up then.
Your CPF contribution this month, from you and your employer, and your Ordinary, Special and MediSave accounts month by month to 55, worked out the way CPF Board does, with cash top-ups and the tax they save.
Updated 27 Oct 2026
Calculator
CPF LIFE payout calculator: Standard, Escalating and Basic plans on your balance
$1,780 a month from 65, Standard plan, with the FRS
Your balance on all three plans, starting later, and what is left for family.
Your CPF LIFE monthly payout on the Standard, Escalating and Basic plans, from CPF Board’s own payout table: starting at 65 or later up to 70, how each plan pays over the years, when waiting pays off, and what is left for family.
Updated 27 Oct 2026
Quick answers
What are the CPF interest rates now?
From 1 Oct to 31 Dec 2026, CPF pays 2.5% a year on the Ordinary Account and 4% on the Special, MediSave and Retirement Accounts. On top, you get 1% more on the first $60,000 of your combined balances (up to $20,000 of it from the OA), or from 55, 2% more on the first $30,000 and 1% more on the next $30,000.
From CPF interest rates: OA, SA, MediSave and RA this quarter
What is the CPF contribution rate in 2026?
For workers aged 55 and below, 37% of monthly pay: 20% from the worker and 17% from the employer, on pay up to $8,000 a month, so at most $2,960 a month. It is lower in steps after 55: 34% above 55 to 60, 25% above 60 to 65, 16.5% above 65 to 70 and 12.5% above 70. (CPF Board, 2026 table)
From CPF contribution rates 2026 and 2027: every age, and what changes on 1 January
What is the Full Retirement Sum for 2026?
$220,400, for members turning 55 in 2026 (born 1971). The Basic Retirement Sum is $110,200 and the Enhanced Retirement Sum $440,800. CPF estimates monthly payouts from 65 of about $950, $1,780 and $3,440 on the Standard plan. (CPF) Our CPF LIFE payout calculator shows all three plans on your own balance.
From CPF retirement sums 2026: BRS, FRS and ERS, which are yours, and every year since 2003
How much does CPF LIFE pay with the Full Retirement Sum?
About $1,780 a month from 65 on the Standard plan, for members turning 55 in 2026 who set aside the FRS of $220,400 (CPF’s figure, for a male member). Starting at 70, about $2,380. With the Basic Retirement Sum ($110,200), about $950 from 65; with the Enhanced ($440,800), about $3,440. (CPF)
From CPF LIFE payout calculator: Standard, Escalating and Basic plans on your balance
How we keep these numbers
| Page | Source | How often | Last check | Record |
|---|---|---|---|---|
| CPF interest rates: OA, SA, MediSave and RA this quarter | CPF Board | CPF’s page every hour, 9 am to 9 pm | 5:05 pm, 31 Oct SGT | Give CPF’s formula figure for 4 of 4 quarters. How Every rate since 1955, from CPF Board. See it None so far |
| CPF contribution rates 2026 and 2027: every age, and what changes on 1 January | CPF Board | CPF’s tables, twice a day | 9:45 am, 31 Oct SGT | Matches 56 of 56 of CPF’s, IRAS’s and data.gov.sg’s figures. The check |
| CPF retirement sums 2026: BRS, FRS and ERS, which are yours, and every year since 2003 | CPF Board | CPF’s retirement sum page, twice a day | 9:50 am, 31 Oct SGT | Matches 24 of 24 CPF and MOF figures. The check |
Recent changes
New: a CPF page that gathers CPF interest rates, contribution rates, retirement sums and both CPF calculators in one place.
New: a CPF LIFE payout calculator. Put in your Retirement Account at 55, or at 65, and pick when payouts start (65 to 70): what the Standard plan pays each month from CPF’s own table, our labelled estimate for the Escalating and Basic plans, how each changes over the years, when waiting to 70 catches up, and what is left for family. Also: CPF’s payout table with all three plans (CSV), joining and changing plans, and common mistakes. CPF’s figures are for a man; women get less, and CPF’s estimator gives a woman’s figure. Checked against CPF Board’s own figures. See the CPF LIFE calculator
New: the CPF retirement sums for 2025, 2026 and 2027 (basic, full and enhanced), and which ones are yours by the year you were born. Put in your savings at 55 to see what goes into your Retirement Account, what you can take out (with or without your property) and about how much CPF LIFE pays each month from 65, from CPF’s own figures. Also: what a top-up adds, a checker for the Budget 2026 top-up of up to $1,500 and the matching grant, every year’s sum since 2003 with and without inflation (CSV), and our labelled estimate for 2028 onwards. Checked against CPF Board’s and the Ministry of Finance’s own figures. See the CPF retirement sums
New: CPF contribution rates for 2026 and 2027. Every age band and all five of CPF Board’s rate tables, what changes for workers above 55 to 65 on 1 January 2027, a lookup for what you and your employer pay on your own pay now and from January, where it goes in your accounts, what it costs employers (SDL, CPF Transition Offset, Senior Employment Credit), and every rate since 1955 (CSV). Checked against CPF Board’s, IRAS’s and data.gov.sg’s own figures. See CPF contribution rates
New: CPF calculator. Your CPF this month at your age’s rate, from you and your employer, split into your accounts; then, under 55, your OA, SA and MediSave month by month to 55 and the Retirement Account CPF sets up then. What-ifs for cash top-ups and the tax they save, moving OA money to the SA, stopping work early and the 4% floor ending. Checked against 18 of CPF Board’s and IRAS’s own examples and tables. Open the CPF calculator
Every change to the site is on What’s new.
Corrections to these pages
No corrections to these pages so far. Every one is logged on Corrections with the date and what changed.