LOOK AHEAD TO YOUR BIRTHDAY
Age
“By age” means payments received before that birthday. At the payout start age, total received is $0. We assume payouts start on that birthday; actual payment and anniversary dates may differ.
Inputs changed. Review the figures below, then continue.
Confirmation does not verify figures with CPF. Fix any input errors before continuing.
All three plans provide lifelong payouts, even after the illustrated premium is used up. Standard and Escalating amounts left show unused CPF LIFE premium only, excluding other CPF balances and future inflows. Basic amounts left, when enabled, are an assumed RA + premium scenario, not an official bequest estimate.
See the years together
Escalating first exceeds Standard monthly
Escalating first exceeds Standard total
Computed from the entered payouts at annual birthdays through age 100. No automatic plan recommendation.
SEPARATE FROM CPF LIFE
Same OA savings. Two assumptions.
Illustration only, not investment advice or an eligibility check. Rates are held constant; the alternative return is assumed net of fees. Market losses are possible. Actual returns and CPF rates may change. Withdrawals are capped at available funds. Additional CPF interest is excluded from this separate OA illustration.
Year-by-year figures
Nominal SGD at each birthday. “Monthly” looks forward; “Received” totals payments before that birthday. “Left” follows the limited premium / Basic what-if basis above.
Take this comparison with you
Saved files contain the data entered here. Store them privately. Client reports need adviser details and your firm's approval before circulation.
JSON only, up to 100 KB. Loaded figures must be reconfirmed. Nothing is stored in this browser after a reload.
What these figures mean
The three payout patterns
Standard is illustrated as a level payout. Escalating rises 2% each year on the payout anniversary. Basic payouts can decrease as balances earn less extra interest; a starting quote alone does not reveal the future path. The optional Basic future is your explicit what-if assumption. CPF may adjust actual payouts over time.
All plans pay for life. The premium is used to provide lifelong income, including risk pooling. “Amount left” is not a total estate, a return calculation or money lost to a pool.
Timing, assumptions & limitations
Amounts are calculated monthly and displayed at annual birthdays through age 100. A birthday row excludes payments during the year ahead. Future inflows, policy changes and taxes are not modelled. Optional Standard suggestions interpolate published male-1971 examples at 65 only. No female or deferral multiplier is used. Optional Basic and Escalating starting amounts are clearly labelled historical-ratio planning assumptions. Change the payout start age only with matching CPF figures.
Basic's optional retained-RA model uses monthly growth before payouts and assumed premium funding from age 90. Depletion or surplus warnings indicate a mismatch between assumptions; they do not predict CPF's actual benefit. Standard and Escalating amount-left illustrations subtract cumulative payouts from the entered starting premium, floored at zero.