# CPF Withdrawal Calculator: How Much Can I Withdraw at 55 and 65? See how much CPF you can withdraw at 55 (S$5,000 or savings above your FRS or BRS), how your Retirement Account forms, and the 20% lump sum from 65. Interactive tool: https://lookup.sg/tools/cpf-withdrawal-calculator ## How this works At 55 CPF creates your Retirement Account (RA). Since the Special Account closure (19 January 2025 for members already 55, and on the 55th birthday for everyone else), your SA savings move to the RA first, then OA savings, up to the Full Retirement Sum (FRS). Any SA savings above the FRS move to your OA, where they earn 2.5% instead of 4% and can be withdrawn. For members born in 1958 or later, CPF Board's rules are: you can withdraw up to S$5,000 from 55 unconditionally; once you have set aside your FRS you can withdraw everything above it, as often as you like; and if you own a property whose remaining lease lasts to at least age 95 and pledge it, you only need to keep the Basic Retirement Sum (BRS) and can withdraw the rest. For members turning 55 in 2026 the FRS is S$220,400 and the BRS S$110,200; for 2027 they are S$228,200 and S$114,100. From 65, the payout eligibility age, CPF LIFE monthly payouts can start (any time up to 70, when they start automatically). Members born in 1958 or later can also withdraw 20% of their RA savings, excluding cash top-ups, CPF transfers and government grants, less the S$5,000 they could take at 55. CPF Board's own example: an RA of S$220,000, of which S$20,000 is top-ups, allows 20% of S$200,000 less S$5,000, or S$35,000. The payout estimate reads CPF Board's published CPF LIFE Standard Plan figures for a male member turning 55 in 2026 (S$950 a month for the BRS, S$1,780 for the FRS, S$3,440 for the ERS) at the amount you keep in your RA. The RA at 65 is grown at 4% a year unless you enter it; real balances also earn extra interest. Check your own figures on CPF's Retirement dashboard. ## FAQs ### How much CPF can I withdraw at 55? At least S$5,000, and everything above your Full Retirement Sum (S$220,400 if you turn 55 in 2026). With S$260,000 in your OA and SA, you could withdraw S$39,600. If you pledge a property lasting to age 95, you only keep the Basic Retirement Sum (S$110,200) and could withdraw S$149,800. ### What happens to my Special Account at 55? It closes. SA savings move to your new Retirement Account first, up to the Full Retirement Sum, and any excess goes to your Ordinary Account. The change took effect on 19 January 2025 for members already 55, and applies on the 55th birthday for everyone younger. ### Can I withdraw 20% of my CPF at 65? Yes, if you were born in 1958 or later. You can take 20% of your Retirement Account savings at 65, excluding cash top-ups, CPF transfers and grants, less S$5,000. On S$200,000 of eligible RA savings that is S$35,000. Members born in 1957 can take 10%. ### What is the CPF withdrawal age? 55 for lump-sum withdrawals of S$5,000 or savings above your retirement sum, and 65 (the payout eligibility age) for CPF LIFE monthly payouts and the 20% RA lump sum. You can defer payouts to 70. ### Can I withdraw all my CPF if I am short of the FRS? No. Below the Basic or Full Retirement Sum you can still withdraw up to S$5,000, and the rest funds your monthly payouts from 65. ## Sources - [CPF Board: Can you withdraw your CPF at 55?](https://www.cpf.gov.sg/member/infohub/educational-resources/can-you-withdraw-your-cpf-at-55) - [CPF Board: Closure of the Special Account for members aged 55 and above](https://www.cpf.gov.sg/whycsa) - [CPF Board (Ask.gov): How much CPF savings can I withdraw from age 65?](https://ask.gov.sg/cpf/questions/cmd810kz600vo36wp0rsxex0t) - [CPF Board: Retirement sums](https://www.cpf.gov.sg/member/infohub/educational-resources/what-is-the-cpf-retirement-sum) --- Source: Lookup (https://lookup.sg) · Data as of October 2026 · Listings compiled from Singapore government open data (data.gov.sg), OneMap and Overture Maps places. Free listings never show contact details; contact details appear only on Lookup Verified listings.