CPF Retirement Sums 2026: Basic, Full and Enhanced Retirement Sum and Payouts
Last verified: 28 October 2026 against the CPF Board's retirement sum article (updated 7 January 2026). Short answer: For members turning 55 in 2026, the Basic Retirement Sum is $110,200 and the Full Retirement Sum is $220,400; the Enhanced Retirement Sum, the maximum top-up, is $440,800 [CPF Board]. CPF estimates these give about $950, $1,780 and $3,440 a month from 65 on CPF LIFE Standard [CPF Board].
Talreon is an independent publisher and is not affiliated with the CPF Board (Central Provident Fund Board). This page explains the process in our own words; the agency's own website and notices are the final word.
Retirement sums by year you turn 55
| Turn 55 in | Basic (BRS) | Full (FRS) | Enhanced (ERS) |
|---|---|---|---|
| 2025 | $106,500 | $213,000 | $426,000 |
| 2026 | $110,200 | $220,400 | $440,800 |
| 2027 | $114,100 | $228,200 | $456,400 |
Source: [CPF Board]. Your BRS and FRS are fixed by the year you turn 55; the ERS is set each year and you can top up to the current ERS at any age from 55 [CPF Board].
Estimated payouts (turning 55 in 2026)
| Amount in Retirement Account at 55 | Estimated monthly payout from 65 |
|---|---|
| BRS $110,200 | $950 |
| FRS $220,400 | $1,780 |
| ERS $440,800 (topped up at 55) | $3,440 |
CPF's estimates assume the CPF LIFE Standard Plan and a male member [CPF Board] [CPF Board payouts]. Actual payouts depend on your plan, sex and when you start.
What happens at 55
- Your Special Account savings, then Ordinary Account savings, move into a new Retirement Account, up to the FRS [CPF Board].
- If you own a property with a lease lasting until at least age 95, you can meet the FRS with property for up to half and cash for the rest, i.e. set aside the BRS in cash [CPF Board].
- If you were born in 1958 or later and have at least $60,000 in your Retirement Account when payouts start, you are automatically in CPF LIFE [CPF Board].
Ways to raise your payout
- Cash top-ups to your RA, up to the current ERS; tax relief of up to $16,000 a year for cash top-ups to yourself and loved ones (up to the current FRS) [CPF Board].
- The Matched Retirement Savings Scheme gives eligible members a dollar-for-dollar grant up to $2,000 a year and $20,000 over a lifetime [CPF Board].
See also CPF contribution rates 2026 and the savings calculator (estimates only).
Frequently asked questions
What is the CPF Full Retirement Sum in 2026?
$220,400 for members who turn 55 in 2026.
What is the Basic Retirement Sum in 2026?
$110,200.
What is the Enhanced Retirement Sum in 2026?
$440,800, rising to $456,400 in 2027.
How much will I get each month at the FRS?
CPF estimates about $1,780 a month from 65 on the CPF LIFE Standard Plan for a male member turning 55 in 2026.
Where to check it yourself
Talreon is not affiliated with the CPF Board (Central Provident Fund Board). Figures and steps on this page were checked against the linked pages on 28 October 2026. Read our editorial and review process and figures update log. Spotted something out of date? Email support@talreon.com with the page address.
Change log: 28 October 2026 – first published. Educational information only; not tax, financial or legal advice.