The average Singaporean’s CPF balance climbs steadily through their working years, peaks at around $314,100 in the early 50s (just before the withdrawal age of 55), and then falls as members start drawing on their savings. Below is the full breakdown by age, from official CPF Board figures (2025). One honest warning first: these are averages — a minority of high savers pulls them up, so the typicalperson has noticeably less. Treat them as a benchmark, not a target you’ve failed.
📊 Average CPF balance by age (2025)
This is the average (mean) total CPF balance — across the Ordinary, Special/Retirement and MediSave accounts combined — per member in each age band, as at the end of 2025:
| Age band | Average CPF balance |
|---|---|
| 20 & under | $4,300 |
| 21–25 | $13,500 |
| 26–30 | $59,100 |
| 31–35 | $114,400 |
| 36–40 | $161,800 |
| 41–45 | $214,500 |
| 46–50 | $268,300 |
| 51–55peak | $314,100 |
| 56–60 | $312,200 |
| 61–65 | $289,800 |
| 66–70 | $192,000 |
Average = total net CPF balances ÷ number of members in each age band (both sexes), as at end-2025. Source: CPF Board, via data.gov.sg.
📈 Why it peaks around 55 — then falls
Notice the shape: balances rise fast from your late 20s, more than double between your early 30s ($114,400) and early 40s ($214,500), and peak in the early 50s at about $314,100. Then they drop — to $289,800 by the early 60s and $192,000 by the late 60s.
That decline isn’t people losing money — it’s the system working. From age 55, a Retirement Account is created and you can withdraw CPF savings above your retirement sum; from your 60s, CPF LIFE payouts begin and MediSave is drawn down for healthcare. So the average naturally falls after 55 as savings are paid out.
⚠️ Why the “average” overstates the typical person
This is the part most headlines skip. These are means, and CPF balances are highly skewed — a relatively small number of high earners with large balances drags the average upward. The medianSingaporean (the person right in the middle) has meaningfully less than the average for their age. So if your balance is below the figure for your band, you are not necessarily “behind” — you may be perfectly normal. Use these numbers for context, not as a verdict.
It also counts everyone with a positive CPF balancein each age band — including those who have stopped working — which is another reason an individual’s situation can differ a lot from the average.
🎯 What actually matters more than the average
Rather than comparing yourself to an average, the figure that decides your retirement is whether you’ll hit your CPF Retirement Sum by 55 and what monthly CPF LIFE payout that buys. Project your own CPF balance to retirement with the retirement projection calculator, and if you’re starting out, our CPF for beginners guide explains how the accounts and interest actually work.
📋 Sources & method
Figures are derived from the CPF Board’s official statistics, published on data.gov.sg(“Number of CPF Members & Net Balances by Age Group & Gender as at End of Year”). We took the total net CPF balances and divided by the number of members in each age band (both sexes combined) for 2025, giving the average balance per member. These are averages, not medians, and are rounded to the nearest $100.