OA 2.5% · SA 4% · MA 4% · RA 4% · Total contribution 37% of gross salary
Central Provident Fund
CPF account growth from age 25 to 83 (58 years). Contributions stop at age 55. SA converts to RA at age 55.
FRS target at 55
$362,272
Met · surplus $17,509 → OA
CPF LIFE premium at 65
$536,252
RA balance used to buy annuity
Annual CPF LIFE payout
$42,659
$3,555/mo · fixed for life
Account composition over time
Age 25–83SA → RA conversion at age 55
Special Account is transferred to Retirement Account to meet the FRS target (current $200,000 inflated at 2%/yr). Any surplus returns to OA; any deficit is drawn from OA. The remaining OA balance is then transferred in full to your investment account.
FRS target
$362,272
SA at conversion
$379,781
Surplus → OA
+$17,509
Annual projection
i| Age | Total Balance | ||||||
|---|---|---|---|---|---|---|---|
| 26 | $70,000 | $25,900 | — | $16,102 | $4,198 | $5,600 | $40,528 |
| 27 | $71,400 | $26,418 | — | $16,424 | $4,282 | $5,712 | $69,035 |
| 28 | $72,828 | $26,946 | $50,000 | $16,753 | $4,368 | $5,826 | $48,967 |
| 29 | $74,285 | $27,485 | — | $17,088 | $4,455 | $5,942 | $79,128 |
| 30 | $75,770 | $28,035 | — | $17,429 | $4,544 | $6,061 | $110,796 |
| 31 | $77,286 | $28,596 | — | $17,778 | $4,635 | $6,182 | $144,031 |
| 32 | $78,831 | $29,168 | $84,161 | $18,134 | $4,728 | $6,306 | $94,734 |
| 33 | $80,408 | $29,751 | $18,959 | $18,496 | $4,823 | $6,432 | $110,228 |
| 34 | $82,016 | $30,346 | $19,338 | $18,866 | $4,919 | $6,561 | $126,577 |
| 35 | $83,656 | $30,953 | $19,725 | $19,243 | $5,017 | $6,692 | $143,817 |
| 36 | $85,330 | $31,572 | $20,119 | $19,628 | $5,118 | $6,826 | $161,992 |
| 37 | $87,036 | $32,203 | $18,739 | $18,282 | $6,090 | $7,832 | $182,950 |
| 38 | $88,777 | $32,847 | $19,114 | $18,648 | $6,211 | $7,989 | $205,036 |
| 39 | $90,552 | $33,504 | $19,496 | $19,020 | $6,336 | $8,148 | $228,300 |
| 40 | $92,364 | $34,174 | $19,886 | $19,401 | $6,462 | $8,311 | $252,797 |
| 41 | $94,211 | $34,858 | $20,284 | $19,789 | $6,592 | $8,477 | $278,581 |
| 42 | $96,095 | $35,555 | $20,415 | $20,185 | $6,723 | $8,647 | $305,983 |
| 43 | $98,017 | $36,266 | $20,415 | $20,588 | $6,858 | $8,820 | $335,212 |
| 44 | $99,977 | $36,992 | $20,415 | $21,000 | $6,995 | $8,996 | $366,347 |
| 45 | $101,977 | $37,731 | $20,415 | $21,420 | $7,135 | $9,176 | $399,473 |
| 46 | $104,016 | $38,486 | $20,415 | $21,849 | $7,278 | $9,360 | $434,679 |
| 47 | $106,097 | $39,256 | $20,415 | $20,162 | $8,487 | $10,607 | $472,088 |
| 48 | $108,219 | $40,041 | $20,415 | $20,565 | $8,657 | $10,819 | $511,798 |
| 49 | $110,383 | $40,842 | $20,415 | $20,976 | $8,830 | $11,035 | $553,911 |
| 50 | $112,591 | $41,659 | $20,415 | $21,396 | $9,007 | $11,256 | $598,533 |
| 51 | $114,842 | $42,492 | $20,415 | $21,824 | $9,187 | $11,481 | $645,774 |
| 52 | $117,139 | $43,342 | $20,415 | $17,575 | $13,471 | $12,296 | $695,818 |
| 53 | $119,482 | $44,208 | $20,415 | $17,926 | $13,740 | $12,542 | $748,793 |
| 54 | $121,872 | $45,093 | $20,415 | $18,285 | $14,015 | $12,793 | $804,827 |
| 55SA→RA | $124,309 | $45,994 | $20,415 | $18,651 | $14,295 | $13,049 | $864,057 |
| 56 | $0 | $0 | $20,415 | $0 | $0 | $0 | $877,856 |
| 57OA→Brok | $0 | $0 | — | $0 | $0 | $0 | $909,475 |
| 58 | $0 | $0 | — | $0 | $0 | $0 | $945,854 |
| 59 | $0 | $0 | — | $0 | $0 | $0 | $983,689 |
| 60 | $0 | $0 | — | $0 | $0 | $0 | $1,023,036 |
| 61 | $0 | $0 | — | $0 | $0 | $0 | $1,063,958 |
| 62 | $0 | $0 | — | $0 | $0 | $0 | $1,106,516 |
| 63 | $0 | $0 | — | $0 | $0 | $0 | $1,150,777 |
| 64 | $0 | $0 | — | $0 | $0 | $0 | $1,196,808 |
| 65CPF LIFE | $0 | $0 | — | $0 | $0 | $0 | $708,428 |
| 66 | $0 | $0 | — | $0 | $0 | $0 | $736,766 |
| 67 | $0 | $0 | — | $0 | $0 | $0 | $766,236 |
| 68 | $0 | $0 | — | $0 | $0 | $0 | $796,886 |
| 69 | $0 | $0 | — | $0 | $0 | $0 | $828,761 |
| 70 | $0 | $0 | — | $0 | $0 | $0 | $861,912 |
| 71 | $0 | $0 | — | $0 | $0 | $0 | $896,388 |
| 72 | $0 | $0 | — | $0 | $0 | $0 | $932,244 |
| 73 | $0 | $0 | — | $0 | $0 | $0 | $969,533 |
| 74 | $0 | $0 | — | $0 | $0 | $0 | $1,008,315 |
| 75 | $0 | $0 | — | $0 | $0 | $0 | $1,048,647 |
| 76 | $0 | $0 | — | $0 | $0 | $0 | $1,090,593 |
| 77 | $0 | $0 | — | $0 | $0 | $0 | $1,134,217 |
| 78 | $0 | $0 | — | $0 | $0 | $0 | $1,179,585 |
| 79 | $0 | $0 | — | $0 | $0 | $0 | $1,226,769 |
| 80 | $0 | $0 | — | $0 | $0 | $0 | $1,275,840 |
| 81 | $0 | $0 | — | $0 | $0 | $0 | $1,326,873 |
| 82 | $0 | $0 | — | $0 | $0 | $0 | $1,379,948 |
| 83 | $0 | $0 | — | $0 | $0 | $0 | $1,435,146 |