A large number of Singaporean females are concerned whether they will have enough money during retirement. CPF LIFE can make every woman born in 2026 get a monthly payment of $400 to $800 which is the maximum limit depending on the savings and options taken.
After the extension of life expectancies and costs that are on the rise, the decision to build a larger CPF balance is crucial more than ever.
Here’s the good news for such women: the government incentives and little measures will help them catch up.
Reasons Why Women’s CPF Balances Are Usually Lower
Women often take maternity/paternity leaves, work part-time, or receive lower salaries than men throughout their careers. All of these reasons are contributors to the lesser CPF funds accrued over the years.
At the end, women have smaller Retirement Account (RA) balances when they turn 55 which leads to receiving lower monthly payouts in the future.
The Basic Retirement Sum for 2026
As for 2026, the Full Retirement Sum (FRS) for women turning 55 is approximately S$220,400. If a woman saves this amount at 55, the monthly CPF LIFE payout will be around $1,000 to $1,100 after she turns 65.
A lot of women fall below this threshold with the income from even lesser sums still being significant.
Monthly Payouts for Women that are Typical
In the case of women meeting the Basic Retirement Sum of roughly S$110,200, a monthly income of $500-$600 can be expected starting from age 65.
Those who choose to have the Enhanced Retirement Sum (up to S$440,800) can receive more than $1,500 per month.
Government Grants for Women
The Majulah Package grants once-in-a-lifetime Retirement Savings Bonuses and continuous Earn and Save Bonus top-ups (up to S$1,000 yearly) to qualifying women over 51 years who are employed.
The MediSave top-ups and matching policies also provide an extra support for women in terms of financing their healthcare expenses.
How to Upscale Your Monthly Payout
You can enhance your RA willingly (tax deduction available), postpone payouts past 65, or move OA funds to RA for a higher rate of interest.
Implementing these actions can increase your monthly payment by hundreds of dollars.
Estimated Monthly CPF LIFE Payouts (2026)
Women who will be 65 years old in the year 2026 can see the following in a simple table:
| Retirement Account Balance at 55 | Approx. Monthly Payout (from age 65) | Notes |
|---|---|---|
| Basic Retirement Sum (~S$110,200) | S$400–$600 | Common for many women |
| Full Retirement Sum (~S$220,400) | S$900–$1,100 | Recommended target |
| Enhanced Retirement Sum (~S$440,800) | S$1,800–$2,200 | Highest possible |
| With Majulah/Earn & Save Bonus | +S$100–$300 extra | Boosts lower balances |
Practical Steps to Take Now
Keep an eye on your CPF balance, make voluntary top-ups, and have family discussions on helping with contributing to your CPF account as practical steps that you can take now.
A monthly pension of $400–$800 sounds very achievable for almost all women in 2026 by the melding of the CPF system with the governmental support.
Today, log in to your CPF account to check your current balances, make use of the retirement planner, and think about a small top-up. Every dollar saved now equals more peace of mind later!