Financial freedom, CPF included.

Most FIRE calculators ignore CPF entirely, or treat it like a magic 401(k). This one models your actual Ordinary, Special/Retirement, and MediSave accounts — contribution rates, allocation by age, the Special Account closure at 55, and an honest CPF LIFE payout estimate — alongside the cash and investments you actually control.

2026 CPF rates OA / SA / RA / MA modelled CPF LIFE payout estimate Bridge-to-65 gap shown
Built for Singapore Citizens and Permanent Residents with standard CPF contributions. If you're on an Employment Pass / S Pass with no CPF, use the main calculator instead — this one won't apply to you.

Your numbers

Everything recalculates live. Figures are in today's dollars.

Used to work out your CPF contribution and allocation rates, which change with age, and how many years are left to preservation age.
CPF contributions apply up to the $8,000/month Ordinary Wage ceiling (2026) — anything above that isn't CPF-contributable. Type an exact figure if needed.
Grows at 2.5%/year. Can be used for housing or education, but we treat it as retirement savings here.
Special Account (SA) if under 55. If you're 55+, this is your Retirement Account (RA) — SA closed for everyone in Jan 2025.
Grows at 4%/year. Covers healthcare costs like MediShield Life premiums and hospital bills — not spendable like OA/RA.
What you can access anytime — this is what actually funds your life before CPF becomes available.
Cash you invest outside CPF each month — brokerage, robo-advisor, unit trusts, etc.
Goes to SA (if under 55) or RA (if 55+). Real scheme gives tax relief up to $8,000/yr — modelled here as extra compounding, not a tax calculator.
What you expect to actually spend per year once retired, in today's dollars.
Higher stock allocation means higher expected growth but a bumpier ride — applies to your non-CPF liquid portfolio.
How much of your liquid portfolio you draw down each year in retirement. Lower % is more conservative, higher % is more aggressive.

What this means for you

CPF is locked until 55 (partial) and CPF LIFE payouts don't start until 65 — so your real "quit date" depends on your liquid portfolio, not your CPF balance.

Years to liquid financial independence
—
Based on your cash/investments alone — the part of your money you can actually access before 55.
Liquid FIRE number
—
Target annual spending ÷ your chosen withdrawal rate.
Bridge years (FI → age 65)
—
Years your liquid portfolio must fund alone before CPF LIFE kicks in.
Projected RA/SA balance at 55
—
vs. 2026 Retirement Sum tiers
Projected CPF balance at 65
—
OA + RA + MA combined
Estimated CPF LIFE payout from age 65
—
Standard Plan, interpolated from CPF's published 2026 payout benchmarks — not an official figure.

Your CPF: locked, compounding, low risk

Ordinary, Special/Retirement, and MediSave accounts stacked together — this money isn't accessible on your own schedule.

CPF Ordinary Account CPF Special/Retirement Account CPF MediSave

Your liquid portfolio: what you actually control

Cash and non-CPF investments — this is what has to fund your life between "financial independence" and age 65.

Liquid portfolio (non-CPF)
How we calculated this (2026 CPF figures, and where we simplified)

Contribution & allocation rates

We use the 2026 Ordinary Wage ceiling of $8,000/month and CPF's published age-banded allocation percentages (share of wage going to OA / SA-RA / MA), which shift as you age — roughly 23/6/8% under 35, down to 15/11.5/10.5% at 51–55. For ages above 60 we use simplified, lower-confidence estimates since CPF's published tables get sparser there — check your own CPF Statement for exact figures at that stage.

Interest rates

OA at the 2.5% floor, SA/MA/RA at the 4% floor (extended through end of 2026), plus extra interest on your first $60,000 combined balance (1% under 55; 2% on the first $30,000 and 1% on the next $30,000 from 55). We split extra interest proportionally across accounts as an approximation of CPF's actual OA-first allocation order.

Special Account closure at 55

Since January 2025, everyone's Special Account closes at 55. Your SA savings move into a new Retirement Account up to the Full Retirement Sum (FRS); anything above that spills into your OA, where it stays withdrawable. We model that exact mechanic.

2026 Retirement Sums & CPF LIFE payouts

For members turning 55 in 2026: Basic Retirement Sum $110,200 (~$950/month from 65), Full Retirement Sum $220,400 (~$1,780/month), Enhanced Retirement Sum $440,800 (~$3,440/month), all Standard Plan estimates. We linearly interpolate/extrapolate your projected payout from these three published reference points — your real payout depends on the CPF LIFE plan you choose and prevailing rates at 65.

What we didn't model

Annual Wage (bonus) CPF ceiling, employer CPF for wages above $8,000 in ways beyond the ceiling, SRS accounts and their tax relief (currently $15,300/year cap for Citizens/PRs), housing withdrawals from OA, and self-employed MediSave contribution formulas (based on net trade income bands, not modelled here — self-employed users should use the voluntary top-up slider to approximate their own MediSave contributions). CPF balances are projected deterministically (CPF pays a fixed rate, so there's no market risk to simulate). Your non-CPF liquid portfolio, however, is also shown as a single deterministic growth line here for simplicity — it does not run the full Monte Carlo range-of-outcomes simulation our main calculator uses, so treat the "years to liquid FI" figure as a rough midpoint estimate, not a probability-weighted one.

Sources

CPF Board (cpf.gov.sg) published rates and news releases for 2026; cross-checked against Endowus, DollarsAndSense, and GrowBeansprout coverage of the same figures. Educational estimates only — always verify against your own CPF Statement and cpf.gov.sg before making decisions.