Singapore state pension 2026: how it is calculated

The public pension in Singapore follows national rules that usually look at your years of work or contributions, your pay and the age at which you claim it. The calculator above applies the 2026 rules to your own working life. Below you will find the rules in brief, an example by claim age and what your contributions buy.

The rules in brief

CPF LIFE: At 55 your CPF savings form a Retirement Account (in 2026 the Basic Retirement Sum is $110,200, the Full $220,400 and the Enhanced $440,800). From 65 CPF LIFE pays a monthly income for life: the CPF Board estimates about $950 with the Basic, $1,780 with the Full and $3,440 with the Enhanced Retirement Sum (Standard Plan); starting later, up to 70, raises the payout. There is no other state pension.
Retirement age: From 1 July 2026 employers may not make workers retire before 64 and must offer re-employment up to 69 to eligible workers.

Example: pension by claim age

Age	Status	Gross / month (SGD)	Net / month (SGD)
65	Full pension	1,780	1,780
66	Full pension	1,905	1,905
67	Full pension	2,029	2,029
68	Full pension	2,154	2,154
69	Full pension	2,278	2,278
70	Full pension	2,403	2,403

For someone aged 35 today who has worked 15 years so far, with an average of SGD 5,000 gross a month until now, earning SGD 6,000 from now with pay rising 1% a year above inflation, who works 30 more years. Amounts in today’s money, 12 payments a year. Enter your own career in the calculator for your figure.

How the example is made up

CPF LIFE payout SGD 1,780 a month from 65 (Standard Plan): your Retirement Account at 55 of about SGD 220,400 (savings set aside up to the Full Retirement Sum of $220,400). The CPF Board estimates about $950 a month with the Basic Retirement Sum and $1,780 with the Full. Payouts start at 65 and rise for each year you defer them, up to 70. Savings used for housing are not in the account.

What your contributions buy

Over the whole career you would pay SGD 643,439 in pension contributions (SGD 1,200,630 including your employer’s share). With a net pension of SGD 21,360 a year and about 19.5 years in retirement at average life expectancy, you would receive about SGD 416,520 in all, 0.65× your own contributions. The pension replaces 28.9% of your final net salary.

Frequently asked questions

How much pension will I get in Singapore?

In the example, SGD 1,780.00 net a month (SGD 1,780.00 gross) when claiming at 65 after 45 years of work. Your own amount depends on your years of contributions and your pay: enter them in the calculator above.

Can I retire early in Singapore?

Not in the example: the pension starts at 65. Check the rules above for any exceptions that may apply to you.

What if I work longer?

The pension goes up: at 67 it would be SGD 2,029 net a month in the example, against SGD 1,780 at 65.

Is this my official pension?

No, it is an estimate under the 2026 rules. Your official pension statement from the pension authority in Singapore is the final word.

Rules and official sources: see “Rules applied (2026)” above. Last checked: October 2026. The amounts are estimates for information, not financial or legal advice.

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