CPF Property Pledge Calculator
Estimate the CPF Retirement Account top-up or release impact when pledging or unpledging a property after age 55.
How to use this pledge / unpledge estimator
Enter FRS, current Retirement Account balance and intended property pledge amount to estimate whether a CPF top-up or release may arise. Use it only for initial CPF planning. CPF Board rules and personal circumstances determine the actual outcome.
What does a CPF property pledge calculation tell you?
This tool compares a Retirement Account balance with a retirement-sum target. It is a planning illustration, not a CPF withdrawal approval. A displayed excess is not necessarily cash you can withdraw.
Check eligibility before relying on the result
CPF's conditions include being at least 55 and owning a completed property whose remaining lease lasts until at least age 95. Eligible withdrawals above the Basic Retirement Sum exclude certain savings components, including interest, government grants and top-ups. CPF also considers the expected housing refund when the property is sold or transferred.
Use the retirement sum applicable to your cohort, not a default figure merely because it appears in the tool. This calculator does not assess your age, property lease, savings components, ownership share or CPF's approval conditions.
Review the CPF Board's property-and-cash retirement conditions before making a withdrawal or selling a pledged property. Source reviewed 5 September 2026.
Keep housing and retirement decisions together
Compare a potential replacement home's affordability and purchase duties, and read the buyer guide. A lower housing outlay does not by itself establish how much CPF cash is available.