CPF LIFE payout estimator

Your details

Gender

Payouts differ slightly because life expectancy differs.

Your age now 40

Payout start age

Starting later means fewer payout years — so the monthly payout rises. Already 65+? The official estimator uses your exact RA; this is a guide.

Your OA today $70,000

Ordinary Account — earns 2.5%/yr

Your SA today $50,000

Special Account — earns 4%/yr

Est. monthly payout · Standard plan

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OA + SA at 55 — forms your RA

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RA when payouts start — the capital

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Plan	At start	Age 85	Age 95
Standard Level payout for life; smallest bequest, most income early.	—	—	—
Basic Pays from your RA until ~90, then from the small premium — steps down twice. Largest early bequest.	—	—	—
Escalating Starts ~20% lower, +2% every year for life. Smallest bequest.	—	—	—

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Standard: level payout for life. Interpolated between CPF's published 2026 reference anchors (male member): RA S$82.4k → S$490/mo, S$164.8k → S$950, S$227.9k → S$1,250, S$330.1k → S$1,780, S$445.6k → S$2,380, S$650.1k → S$3,440. Our curve passes through every anchor exactly.
Basic: only 10–20% of your RA buys the annuity premium; the rest pays you out (earning 4%) until about 90, when it switches to the premium alone and steps down. Modelled as 87% of Standard to start, stepping down to 78% from ~90.
Escalating: starts at ~77% of Standard, +2%/yr compounded for life. Overtakes Standard's monthly payout around age 78 (start 65) and is the highest of the three from then on.
Deferral uplift ≈6%/yr for starting at 66–70 (CPF's published figure is "up to 7%"; S$1,780 at 65 → S$2,380 at 70 on the FRS). Female payouts modelled ≈5% lower (longer life expectancy; CPF's published table is for a male member). All payouts tax-exempt.
We grow your RA at a flat 4%. CPF's official tables include up to 2% extra interest on the first S$60,000 — real numbers run slightly higher.
Our factors are calibrated guides, not CPF's actuarial tables. Final numbers always come from the official CPF LIFE estimator.