CPF LIFE payout calculator: Standard, Escalating and Basic

What you know

At 55, CPF’s table adds the interest to 65 for you. Already near 65? Use what is in your RA now.

Savings in your Retirement Account

Not sure? The FRS for members turning 55 in 2026 is $220,400; our retirement sums page works out yours.

Payouts start at

Start from an example

$220,400 in your Retirement Account at 55: about $330,100 at 65, payouts from 65

Standard: $1,780a month; The same every month, for life
Escalating estimate: $1,400a month; Up 2% a year: $2,080 at 85
Basic estimate: $1,630a month; Level, then lower: $1,550 at 95

CPF’s figures are for a man. On the same balance a woman gets less, CPF says, because women live longer on average: CPF’s estimator gives a woman’s figure.

Starting at 70 instead would pay about $2,380 a month on the Standard plan (CPF’s figure for this balance). Escalating starts lower, but its payouts pass Standard’s at about 78, and by age 90 it has paid out as much in total.

Each plan over the years
Plan	A month at 75	At 85	At 95	Paid by 80	Paid by 90
Standard	$1,780	$1,780	$1,780	$320,400	$534,000
Escalating	$1,710	$2,080	$2,540	$291,000	$539,000
Basic	$1,630	$1,630	$1,550	$293,400	$488,000

Left for your beneficiaries on the Standard plan, if you die early: about $223,300 at 70, $116,500 at 75; the premium is used up by about 81. How

Standard: CPF’s payout table for members turning 55 in 2026 (a male member), read between its rows. Basic and Escalating: our estimate from CPF’s own plan example. CPF rounds to $10. How · Your own figure: CPF’s payout estimator

Data: CPF Board, checked 13 Nov 2026. Full table and method on Numbers.sg