The Enhanced Retirement Sum (ERS) was raised on 1 January 2026 to double the current year’s Full Retirement Sum (FRS). This provides CPF members aged 55 and above the option to voluntarily top up more to their Retirement Account (RA) for even higher monthly payouts in retirement.

 

You can top up your RA with cash or your Ordinary Account (OA) savings. Topping up your RA allows you to receive higher monthly payouts in retirement. This allows members to get higher CPF LIFE monthly payouts through CPF top-ups.

For example, a member who is 55 in the current year could receive up to $3,400 monthly for life when they turn 65. Learn more about the payouts you can receive.