Your CPF, simply explained
CPF is the backbone of most retirement plans in Singapore. Your contributions are split across the Ordinary, Special and MediSave accounts, each with a different purpose.
From OA and SA to the Retirement Account
At age 55 a Retirement Account is created, drawing from your Special and Ordinary accounts to form your retirement sum. The size of that sum determines your monthly CPF LIFE payouts.
Topping up early lets compounding do the heavy lifting, so even modest voluntary contributions can make a meaningful difference.
Last updated 27 June 2026
