CPF Special Account After Retirement 2027 Calculator

Calculate the Singapore CPF Special Account (SA) strategy post-age 55 for 2027 — SA closes, balance flows to Retirement Account up to Full Retirement Sum, excess to Ordinary Account.

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SA Closure at 55

Singapore announced SA closure from 2025 onwards for members reaching 55. SA balance flows: (1) to RA up to Full Retirement Sum (FRS), (2) any remaining SA goes to OA. SA itself ceases to exist.

FRS 2027 Estimate

Full Retirement Sum (FRS) 2027 estimate: S$220,400 (rises 3-4% per year from S$213,000 in 2026). Basic Retirement Sum (BRS) = ½ FRS. Enhanced Retirement Sum (ERS) = 4× BRS = 2× FRS.

Strategy: Top-Up SA Before 55

Voluntary top-ups to SA earn 4-5% guaranteed (vs OA 2.5%). After 55, balance moves to RA still earning 4-5%. Effective strategy: max SA before 55, watch balance flow to RA on birthday.

Source: cpf.gov.sg Special Account closure announcement 2025. Last updated: May 2026.