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How much CPF will you have at 55?

Enter a few details to project your Ordinary, Special and MediSave balances at age 55 and see your gap to the Full Retirement Sum — using published CPF 2026 rates. Nothing is stored unless you ask us to email your results.

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Uses CPF 2026 rates: 23% OA / 6% SA / 8% MA of wage (up to the S$8,000/mo ceiling), OA at 2.5% and SA/MA at 4%, salary growth 3%.

Projected CPF at age 55 (20 years)S$1,151,051

Across your Ordinary, Special and MediSave accounts

Ordinary (OA)S$629,262
Special (SA)S$442,789
MediSave (MA)S$79,000
On track for the Full Retirement SumYour projected OA + SA reaches the S$220,400 FRS (2026). The full picture includes your CPF LIFE monthly income from 65.
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This is a simplified projection to age 55 using published CPF 2026 rates and your own inputs — not a CPF Board calculation or financial advice. It uses age-≤55 contribution rates and caps MediSave at the Basic Healthcare Sum (overflow to Special Account), but does not model age-band rate changes, CPF LIFE income, or Retirement Account mechanics after 55. Confirm your actual balances and payouts with official CPF tools. Personalised retirement, housing and investment advice is a licensed activity handled by an adviser.

See a gap to the Full Retirement Sum?

Free and no obligation — an adviser can help you:

  • Weigh cash top-ups, OA-to-SA transfers and the tax relief they earn — with your real numbers
  • Decide what stays in CPF at 4% versus what goes to investments or an endowment
  • Plan housing, MediSave and retirement together instead of one account at a time
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