CPFB | Build my desired retirement income

Build my desired retirement income

Visualise your desired retirement lifestyle. With CPF LIFE, you will receive a steady stream of income no matter how long you live. Discover how you can plan for your retirement with clarity and confidence.

Thoughtful planning today for your desired retirement tomorrow

Choose from three CPF LIFE plans that best support your lifestyle

Your CPF savings have been growing to prepare you for your golden years. There are three CPF LIFE plans suited for different retirement needs.

To better maintain your lifestyle even as the prices of items increase, consider the CPF LIFE Escalating Plan to enjoy monthly payouts that grow by 2% every year.

Start your payouts anytime from age 65 to 70

If you do not need the monthly payouts at this point in time, you have the option to defer.

For every year you defer, your payouts will increase by up to 7%. Payouts will start automatically at age 70 if you have not chosen to start earlier.

Caring for your loved ones

Review your CPF nomination to ensure it reflects your latest intentions.

An up-to-date CPF nomination allows your loved ones to receive your CPF savings quickly and conveniently, giving them the support when they need it most.

Start planning for your future today

Retirement Payout Planner

Unsure how much you'll need for retirement? Try the Retirement Payout Planner to estimate your needs and see how close you are to reaching your retirement goals.

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Make a cash top-up

The earlier you top up, the more your savings can grow into higher payouts to support your goals.

Top up now

Mastering the approach to achieve your desired retirement

Join Serene from the Retirement Withdrawals Department, CPF Board and CPF member Andrew as they illustrate how the principles of the martial art Wing Chun mirror those of retirement planning. Discover how your CPF forms the foundation for your retirement and understand how the three CPF LIFE plans can support your desired retirement lifestyle.

Learn what a fulfilling retirement means for two retirees

Build a strong foundation for your desired retirement lifestyle

What does retirement mean to you? Hear from two retirees on what a fulfilling retirement looks like for them, and how CPF LIFE forms the foundation for their retirement through lifelong monthly payouts.

Find out how

Here's how others are planning for their desired retirement

"I plan for retirement by capitalising on my savings and tailoring my approach to fit my needs. Regular reviews on my financial situation provides clarity, allowing me to make confident and sound financial decisions."

- Betty, 59, Retiree

"To me, having financial independence lets you work on what you love, when you want and with whom you choose. Living within your means, even as income grows, and avoiding debt for unnecessary wants are key to financial stability. True independence comes when you no longer struggle to meet your needs, bringing peace of mind."

- Ming Hao, 43, Agency Consultant

Build my desired retirement income

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Build my desired retirement income

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Mastering the approach to achieve your desired retirement

Here's how others are planning for their desired retirement

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Build my desired retirement income

Start planning for your future today

Mastering the approach to achieve your desired retirement

Here's how others are planning for their desired retirement