The Three Retirement Sums

Basic, Full and Enhanced — three savings targets, each buying a larger lifelong income. (CPF Board, 2026 figures.)

At 55, CPF sets a target for your Retirement Account, called a retirement sum, in three tiers. For 2026 the Basic Retirement Sum (BRS) is S$110,200; the Full Retirement Sum (FRS) is double that at S$220,400; and the Enhanced Retirement Sum (ERS) is four times the BRS, at S$440,800.

The more you set aside, the larger your CPF LIFE payout from 65. Illustratively, the BRS provides roughly S$950 a month, the FRS about S$1,780, and the ERS around S$3,440. The BRS can be met if you own a property to pledge; the FRS is the full cash target; the ERS is reached by topping up.

These sums rise about 3.5% a year to reflect inflation and living standards, so the exact target depends on the year you turn 55.

Illustrative example: three targets

The chart shows the three 2026 sums side by side. Think of them as rungs: the higher the sum you reach, the higher and more comfortable the lifelong income that follows.

Figures are the CPF Board's for 2026; payout estimates are illustrative. Verify current sums and payouts at cpf.gov.sg.