CPF FRS vs BRS Calculator (Singapore)
Singapore CPF offers three retirement-sum tiers: Basic Retirement Sum (BRS), Full Retirement Sum (FRS), and Enhanced Retirement Sum (ERS). 2026 FRS is S$213,000; BRS is half that. Members can pledge property to set aside BRS instead of FRS at age 55.
BRS, FRS, And ERS Explained
BRS (Basic Retirement Sum): minimum required at age 55 if you pledge property. 2026: S$106,500. FRS (Full Retirement Sum): standard target. 2026: S$213,000. ERS (Enhanced Retirement Sum): max for higher CPF LIFE payouts. 2026: S$426,000. Each set aside in Retirement Account at 55 from CPF SA + OA balances.
Property Pledge To Set Aside BRS Only
Members owning HDB or private property can pledge it at age 55, allowing them to set aside only BRS (S$106,500) instead of FRS. Remaining SA + OA balance becomes withdrawable. Pledged property must remain owned through retirement age — if sold, BRS gap must be topped up to FRS.
CPF LIFE Monthly Payout Estimates
BRS at age 65 → S$900/month for life under Standard plan. FRS at 65 → S$1,730/month. ERS at 65 → S$3,460/month. Payouts inflation-protected. Increase by 20-25% if deferring to age 70. Singapore residents only; PRs withdraw differently.
Source: CPF Board Retirement Sums 2026, cpf.gov.sg. Last updated: May 2026.