How much CPF savings can I withdraw from age 55 to 64?
You can check the CPF savings you can withdraw from age 55 by logging into your Retirement dashboard.
The amount that you can withdraw is determined as follows:
If you have set aside your Full Retirement Sum (FRS), fully in cash or with a mixture of property and cash:
- You can withdraw any amount from your Ordinary Account (OA)
If you have not set aside your FRS:
- You can withdraw $5,000 from your OA
- Upon your withdrawal, non-withdrawable amounts in your OA may be transferred to your Retirement Account (RA) to make up your FRS. This transfer occurs with each withdrawal until you have set aside your FRS.
For example: John turned 55 in 2025 and has $100,000 in his RA and $11,000 in his OA. Since he has not set aside his FRS of $213,000, he can only withdraw up to $5,000 from his OA. The remaining $6,000 in his OA cannot be withdrawn and will be transferred to his RA to help him set aside his FRS.
You can withdraw an additional amount of your retirement savings from 65. The amount you can withdraw depends on your birth year and generally excludes any cash top-ups, CPF transfers and government grants.
This information is sourced from CPF
Related questions
Need more help?
Get in touch