Which CPF retirement sums are mine? BRS, FRS and ERS by birth year

Year you were born

Your sums are the ones for the year you turn 55, and stay fixed after that.

Your Ordinary and Special Account savings at 55

Not 55 yet? Put in what you expect, or work it out with our CPF calculator. Already past 55? Put in what is in your Retirement Account now.

I own a property in Singapore whose lease lasts until I am at least 95

Start from an example

You turn 55 this year, 2026

Basic (BRS): $110,200
Full (FRS): $220,400
Enhanced (ERS): $440,800

At 55, your Retirement Account gets: $145,000
You can take out: $5,000
About this a month from 65: $1,210

CPF LIFE Standard plan, worked out from CPF Board’s payout estimates for 2026 (its retirement sum page). How

Each $10,000 more in your RA at 55 adds about $75 a month from 65 (CPF’s 2026 figures).

That is $75,400 short of the FRS. You can top up your RA by up to $295,800 more this year, to the 2026 Enhanced Retirement Sum of $440,800; it rises every January. Your exact limit is on your CPF Retirement dashboard. Cash top-ups to your own RA get tax relief of up to $8,000 a year, on top-ups up to the current FRS ($220,400).

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