The Basic Retirement Sum (BRS), Full Retirement Sum (FRS) and Enhanced Retirement Sum (ERS) provide a guide on the CPF savings you need to set aside to receive your desired monthly payouts in retirement. Read on to find out what are the retirement sums applicable to you.

 

 

Your Basic Retirement Sum (BRS) and Full Retirement Sum (FRS) are dependent on when you turn 55 and will remain the same for the rest of your life.

 

To help you better plan for your future, here are the retirement sums that are applicable to members who turn 55 from 2025 to 2027:

 

If you turn 55 in	Your BRS is	Your FRS* is
2025	$106,500	$213,000
2026	$110,200	$220,400
2027	$114,100	$228,200

*The FRS is set at 2 times of the BRS.

 

If you turned 55 before 2025, you can see the Full Retirement Sums since 1995 (PDF, 35.1KB). You can also find out how the retirement sums are determined and why the retirement sums are increasing yearly.

 

 

If you are 55 and above, you can choose to top up your Retirement Account (RA) up to the current Enhanced Retirement Sum (ERS) for higher monthly payouts, regardless of when you turn 55. Here are the ERS amounts for 2025 to 2027:

 

Year	2025 (Current)	2026	2027
Enhanced Retirement Sum	$426,000	$440,800	$456,400

 

The ERS is currently set at 4 times of the BRS. From 2025, the ERS will be raised to 4 times the BRS to provide members an option to voluntarily top up more to their RA in order to receive even higher monthly payouts in retirement. To illustrate, members turning age 55 in 2025 can receive CPF LIFE monthly payouts of more than $3,000 for life from age 65, if they choose to top up to the raised ERS in 2025.  Learn more about the payouts you can receive.

 

As the ERS is increased every January, you can continue to make further top-ups to your RA every subsequent year.

 

Did you know? You can find out how much you can top up by logging in to your Retirement dashboard.