Retirement · free tools
Plan a calm retirement in Singapore
Four private calculators, built from the ledger I use for my own retirement: check your CPF, find your gap, plan dividend income and keep a net worth snapshot.
Four steps
- CPF retirement checkFor members turning 55 in 2026, the Basic Retirement Sum is S$110,200, the Full Retirement Sum S$220,400 and the Enhanced Retirement Sum S$440,800, giving CPF LIFE payouts of roughly S$950, S$1,780 and S$3,440 a month from 65.
- Retirement gapYour retirement gap is the income you want, raised for inflation, minus CPF LIFE and any other income.
- Dividend income plannerCapital needed = yearly income you want ÷ dividend yield.
- Net worthNet worth is everything you own less everything you owe.
Calculators
CPF retirement sums in 2026
| Basic Retirement Sum (BRS) | S$110,200 · ≈ S$950 a month |
|---|---|
| Full Retirement Sum (FRS) | S$220,400 · ≈ S$1,780 a month |
| Enhanced Retirement Sum (ERS) | S$440,800 · ≈ S$3,440 a month |
For members turning 55 in 2026; CPF LIFE Standard Plan payouts from 65 are CPF illustrations. As of .
Official sources: CPF retirement income · CPF calculators · MoneySense
Your home and your retirement
The home you buy decides how much CPF is left at 55. Before you commit, check the loan ends by 65 with the stress test, and see the property guide.
Retirement articles
- Is my CPF enough to retire in Singapore?What CPF LIFE pays at the Basic, Full and Enhanced Retirement Sums in 2026, how it compares with typical spending, and how to close the gap.
- Dividend income for retirement: how much do you need?How much capital you need for a dividend income in retirement, how to think about yield and risk, and how dividends fit with CPF LIFE. No stock picks.
For information only. Not financial advice. No investment recommendations are given on this site.