Your current age
40
Estimated — projected at 3.5%/yr beyond official data
Turns 55 in — · —
FRS at 55
—
FULL RETIREMENT SUM
ERS at 55
—
ENHANCED (2× FRS)
Full Retirement Sum — standard target at 55
If start at 65
—/mo
START @ 65
Based on FRS · Standard Plan
If deferred to 70
—/mo
Deferred 5 yrs (+35%)
START @ 70
Based on FRS · Standard Plan
Start payouts at age
At a glance
Deferral breakeven
Age —
Worth deferring if you expect to live past this age. After breakeven, the higher deferred payout outweighs the missed years.
Extra per month
—
Payouts missed
during deferral window
—
Annual payout (deferred)
—
Assumptions: CPF LIFE Standard Plan. Anchored to verified figures for 1971 cohort (turns 55 in 2026) — Male FRS: $1,750 @ 65 / $2,370 @ 70 · Female FRS: $1,640 @ 65 / $2,190 @ 70 · Male ERS: $3,410 @ 65 / $4,550 @ 70 · Female ERS: $3,180 @ 65 / $4,200 @ 70. Other cohorts scaled proportionally via FRS growth 3.5%/yr (Budget 2022). In-between deferral ages use per-gender, per-mode compounded rate derived from verified 65→70 endpoints. Figures are indicative — use the CPF LIFE Estimator for personalised projections.
· CPF LIFE Estimator ↗
· CPF LIFE details ↗