Singapore · SGD · Pension guide

Singapore pension and retirement planning guide

Bring a CPF payout estimate into a wider spending plan. Keep CPF LIFE income separate from accessible savings and explore the years before payouts begin.

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What can this calculator estimate?

It compares spending, manually entered pensions and accessible savings in SGD, in today's purchasing power.

Use your own after-tax pension estimate. Read the full example

Use a CPF payout estimate for your chosen plan

CPF provides retirement payout planning tools that compare relevant payout choices. Use the estimate matching your plan and start date. This calculator does not reproduce CPF LIFE pricing, retirement sums, contributions or the effect of a top-up.

Exclude savings committed to lifelong payouts

Money committed to CPF LIFE supports the payout you enter. It must not also appear as accessible savings. Check which CPF balances are actually withdrawable rather than treating the total shown in an account dashboard as liquid capital.

Check whether the payout keeps pace with prices

This model holds entered pension income constant in purchasing power. An actual payout may follow a different pattern, including a level nominal or specified escalating payment. Compare conservative real-income assumptions; the tool does not price plan differences or forecast inflation.

Using the calculator

Get a CPF payout estimate for your intended plan and start date.
Identify savings that remain accessible outside capital committed to payouts.
Compare bridge spending and a conservative later-life income assumption.
Use today's purchasing power for every amount. Compare more than one return, spending target and planning horizon.

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Official sources & pension overviews

Sources checked October 4, 2026. Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.