Singapore

CPF Withdrawal

Free Singapore calculator designed to help users make accurate financial decisions using local standards.

By the GlobalCalqulate team, founded by Pavan Kusunuri · About our editorial standards

Your CPF Balances

Ordinary Account (OA) balance (SGD)

Current OA balance. Funds can be withdrawn for housing, education, or retirement.

Special Account (SA) balance (SGD)

Current SA balance – higher interest (4%+), primarily for retirement.

Retirement Account (RA) balance (SGD) – optional

If you are age 55+, this is your RA created from OA/SA. Leave 0 if under 55.

Withdrawal Plan

Intended withdrawal age

CPF savings can be withdrawn from age 55 (as lumpsum if above BRS) or via monthly payouts from 65.

Desired monthly withdrawal (SGD)

How much you wish to receive each month from CPF in retirement.

Withdrawal order

Determines which account is depleted first. OA has lower interest, so often drawn down first.

Advanced Options

Include accrued interest?

Yes = OA earns 2.5%, SA earns 4% p.a. No = no growth, just dividing balance.

Use CPF LIFE (lifetime payout) instead of fixed drawdown?

CPF LIFE provides monthly payouts for life. The calculator estimates payout based on RA balance and age.

Retirement Runway

12.4

years

✓ Reviewed and updated for accuracy using current official rates and widely accepted formulas.

Help & FAQs

Frequently Asked Questions

Clear answers to common questions to help you use this calculator confidently.

What happens if my CPF runs out before age 90?

Tap to view the answer

If your CPF balance depletes before your expected life expectancy, you may need to adjust your withdrawals, seek CPF-Life annuity, or rely on other retirement income sources.

How does CPF drawdown affect retirement planning?

Tap to view the answer

Your CPF drawdown strategy impacts your lifestyle sustainability. Monthly withdrawals should balance current needs with longevity risk to avoid insufficient funds.

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How to Use This Calculator

Enter your CPF account balances

Log into CPF website or mobile app and enter OA, SA, and RA (if age 55+).

Select your intended withdrawal age

Choose when you plan to start drawing down your CPF savings.

Set a monthly drawdown target

How much retirement income you want from CPF each month.

Choose withdrawal order and interest assumptions

Decide whether to use OA first, and whether to include interest growth.

Review your retirement runway

See how many years your CPF will last, or if CPF LIFE offers lifetime income.

Adjust inputs to explore scenarios

Change monthly drawdown, withdrawal age, or top‑up assumptions to see long‑term impact.

Understanding Your Results

Total CPF Savings
Sum of OA, SA and RA balances entered.
Monthly Drawdown Target
The amount you wish to withdraw each month from CPF.
Retirement Runway (years)
Number of years your CPF savings (with interest) can sustain the monthly drawdown before depletion.
CPF LIFE Payout (if selected)
Estimated monthly payout for life from CPF LIFE, based on RA balance and age at payout start.
Total Interest Earned
Accumulated interest on remaining balances during drawdown period.
Remaining Balance at Life Expectancy
If you live to 85 or 90, how much CPF balance remains (if any).

Key Tips

✓
Use CPF LIFE for lifetime income – it protects you from outliving your savings.
✓
Deferring CPF LIFE payouts to age 70 can increase monthly payouts by 30-40%.
✓
Consider transferring OA to SA (up to FRS) to earn 4% instead of 2.5% for retirement.
✓
You can withdraw a lump sum at 55 if you meet BRS – but that reduces monthly payouts.
✓
Use the 'include interest' option to see realistic runway – interest significantly extends drawdown years.
✓
If you need higher monthly income, consider top‑ups to RA or working longer.
✓
Always check your CPF statement for exact balances and ask CPF Board about latest withdrawal rules.

CPF Withdrawal & Retirement Guide (Singapore 2026)

When can I withdraw my CPF savings?

From age 55, you can withdraw up to SGD 5,000 from your Retirement Account (RA) if you meet the Basic Retirement Sum (BRS). From age 65, you can start monthly payouts via CPF LIFE or direct drawdown from OA/SA (subject to rules).

What is CPF LIFE?

CPF LIFE is a national annuity scheme that provides monthly payouts for life from age 65. You join at age 55 by setting aside the Full Retirement Sum (FRS) or Basic Retirement Sum (BRS) with property pledge. Payouts depend on your RA balance and chosen plan.

What is the difference between OA and SA for retirement?

OA earns 2.5% interest and can be used for housing. SA earns at least 4% interest and is meant solely for retirement. When you start monthly payouts, OA/SA are first transferred to RA at age 55, then RA pays out.

How long will my CPF last if I draw down monthly?

If you do not opt for CPF LIFE, your RA balance will deplete over time. With interest, a SGD 200,000 RA balance drawing SGD 1,500 monthly at 4% interest lasts about 15 years. CPF LIFE ensures lifetime income but may have lower initial payouts.

Can I withdraw a lump sum at 55?

Yes, if your RA balance is above the Basic Retirement Sum (BRS). You can withdraw up to SGD 5,000 or any amount above BRS (if you have property pledge). The rest stays to provide monthly payouts.

What is the impact of deferring payouts?

Deferring CPF LIFE payouts beyond 65 increases the monthly payout amount by about 6-7% per year deferred, up to age 70. This calculator allows you to test deferred withdrawal ages.

CPF nomination and bequest

Any remaining CPF balance upon death can be nominated to your loved ones. For CPF LIFE, any unused premiums (after payouts commence) may be returned minus payouts received.

Using OA for housing vs retirement

Withdrawing OA for housing reduces your retirement pool. Consider transferring OA to SA (up to the Full Retirement Sum) for higher interest and better retirement income.

Top‑up strategies to boost payouts

You can top up your SA or RA with cash (tax relief up to SGD 8,000/year) or transfer OA to SA. Topping up RA before age 65 increases CPF LIFE payouts.

Disclaimer

This calculator provides estimates for educational purposes. Actual CPF withdrawals, CPF LIFE payouts, and interest rates are determined by CPF Board and may change. Please consult a licensed financial adviser for retirement planning.

CPF Withdrawal & Retirement Guide (Singapore 2026)

When can I withdraw my CPF savings?

What is CPF LIFE?

What is the difference between OA and SA for retirement?

How long will my CPF last if I draw down monthly?

Can I withdraw a lump sum at 55?

Yes, if your RA balance is above the Basic Retirement Sum (BRS). You can withdraw up to SGD 5,000 or any amount above BRS (if you have property pledge). The rest stays to provide monthly payouts.

What is the impact of deferring payouts?

Deferring CPF LIFE payouts beyond 65 increases the monthly payout amount by about 6-7% per year deferred, up to age 70. This calculator allows you to test deferred withdrawal ages.

CPF nomination and bequest

Any remaining CPF balance upon death can be nominated to your loved ones. For CPF LIFE, any unused premiums (after payouts commence) may be returned minus payouts received.

Using OA for housing vs retirement

Withdrawing OA for housing reduces your retirement pool. Consider transferring OA to SA (up to the Full Retirement Sum) for higher interest and better retirement income.

Top‑up strategies to boost payouts

You can top up your SA or RA with cash (tax relief up to SGD 8,000/year) or transfer OA to SA. Topping up RA before age 65 increases CPF LIFE payouts.

Your CPF Balances

Withdrawal Plan

Advanced Options

What happens if my CPF runs out before age 90?

How does CPF drawdown affect retirement planning?

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Your CPF Balances

Withdrawal Plan

Advanced Options

How to Use This Calculator

Understanding Your Results

Key Tips

CPF Withdrawal & Retirement Guide (Singapore 2026)

When can I withdraw my CPF savings?

What is CPF LIFE?

What is the difference between OA and SA for retirement?

How long will my CPF last if I draw down monthly?

Can I withdraw a lump sum at 55?

What is the impact of deferring payouts?

CPF nomination and bequest

Using OA for housing vs retirement

Top‑up strategies to boost payouts

Disclaimer

How to Use This Calculator

Understanding Your Results

Key Tips

CPF Withdrawal & Retirement Guide (Singapore 2026)

When can I withdraw my CPF savings?

What is CPF LIFE?

What is the difference between OA and SA for retirement?

How long will my CPF last if I draw down monthly?

Can I withdraw a lump sum at 55?

What is the impact of deferring payouts?

CPF nomination and bequest

Using OA for housing vs retirement

Top‑up strategies to boost payouts

Disclaimer