CPF Basic, Full and Enhanced Retirement Sums in 2026
The Basic and Full Retirement Sums follow the year a member turns 55. The Enhanced Retirement Sum is a current-year top-up ceiling, not a fixed cohort amount.
On this page
- Basic Retirement Sum, turning 55 in 2026
- S$110,200CPF Board, retirement sums
- Full Retirement Sum, turning 55 in 2026
- S$220,400CPF Board, retirement sums
- Enhanced Retirement Sum, current year 2026
- S$440,800CPF Board, retirement sums
- ERS scope
- Current-year top-up ceiling for members aged 55 and aboveCPF Board, retirement sums
The current cohort's amounts
CPF Board publishes BRS of S$110,200 and FRS of S$220,400 for members turning 55 in 2026. Government announces retirement sums ahead of time; CPF Board administers the scheme and publishes the amounts. CPF Board, retirement sums (opens in a new tab).
BRS and FRS are fixed for the member's cohort. The source describes BRS as a reference for basic living needs excluding rent. These figures do not measure an individual's retirement expenses. CPF Board, retirement sums (opens in a new tab).
ERS follows the current year
The current 2026 ERS is S$440,800. It is the top-up ceiling available to members aged 55 and above, including people who turned 55 in an earlier year. CPF Board, retirement sums (opens in a new tab).
Unlike cohort BRS and FRS, ERS changes annually. Calling all three fixed lifetime amounts for the 2026 cohort would misstate how ERS operates. CPF Board, retirement sums (opens in a new tab).
Amounts are not payout projections
Retirement Account savings affect future monthly payouts. The sums alone are not guaranteed payout quotes; this guide does not reproduce the source's illustrative monthly payout estimates. CPF Board, retirement sums (opens in a new tab).
There is no matching CPF retirement payout calculator in the current calculator catalogue. The contribution calculator models employment contributions rather than retirement income, so it is not attached as a payout calculator here. This is general information, not a top-up recommendation. CPF Board, retirement sums (opens in a new tab).