From 1 July 2025, the public service (civil service and statutory boards) is moving earlier to a retirement age of 64 and a re-employment age of 69.
Several large employers have also adopted the higher ages ahead of the national timeline.
Nationwide, the next statutory increase under the Retirement and Re-employment Act remains scheduled for 1 July 2026 (to 64 and 69 for all employers).
In short: 2025 brings early adoption in parts of the economy; the law for all employers changes in 2026.
What This Means For CPF Members
Even before the nationwide age change kicks in, 2025 already affects your CPF in three big ways:
- Higher CPF contribution rates for workers aged >55 to 65 took effect on 1 Jan 2025 to strengthen retirement adequacy. If you’re in these age bands, a bigger slice of your wage now goes into CPF.
- The CPF monthly salary ceiling rose to S$7,400 on 1 Jan 2025 (the cap used to compute monthly CPF contributions). One last step to S$8,000 happens in 2026.
- The Enhanced Retirement Sum (ERS) was raised in 2025 to S$426,000 (now 4× BRS), allowing larger top-ups for higher CPF LIFE payouts (up to about S$3,300/month on the Standard Plan from age 65, if you set aside the ERS).
Also note: the Basic Healthcare Sum (BHS) for those turning 65 in 2025 is S$75,500. This sets the cap for MediSave at that cohort.
Key Dates And Figures
| Area | What Changes In 2025 | Who Is Affected | What’s Next (2026) |
|---|---|---|---|
| Retirement age | Early adoption to 64 in public service from 1 Jul 2025 | Public officers; some early-moving employers | 64 becomes statutory nationwide 1 Jul 2026 |
| Re-employment age | Early adoption to 69 (public service) | Same as above | 69 statutory nationwide 1 Jul 2026 |
| CPF contribution rates | Higher rates for >55–65 from 1 Jan 2025 | Employees aged 56–65 and their employers | Further step-ups planned toward ~2030 |
| CPF monthly salary ceiling | Raised to S$7,400 (from S$6,800) on 1 Jan 2025 | All employees contributing to CPF | Final rise to S$8,000 in 2026 |
| ERS (Enhanced Retirement Sum) | S$426,000 from 2025 (4× BRS) | Members topping up for higher payouts | Indexed annually (e.g., S$440,800 in 2026) |
| BHS (Basic Healthcare Sum) | S$75,500 for cohort turning 65 in 2025 | Those hitting 65 in 2025 | Cohort-based, reviewed yearly |
(Table reflects the most relevant 2025 updates and the 2026 nationwide step.)
Why Working Longer Can Help Your CPF
If your employer adopts the 64/69 ages in 2025, you may choose to stay employed longer, which means:
- More months of employer + employee contributions flowing into your CPF.
- Potentially higher balances in your Special/Retirement Accounts, which compounds at attractive long-term rates and can raise your CPF LIFE payout later.
- If your pay is above old caps, the higher S$7,400 salary ceiling ensures more of your wage attracts CPF contributions in 2025.
How To Prepare (Simple Actions)
- Check your age band and confirm your employer’s policy for 2025 (public service and some companies are already at 64/69).
- Review your CPF dashboard to see the impact of the 2025 contribution-rate increase and the raised salary ceiling.
- Consider whether topping up toward the FRS or even the new ERS fits your plan for higher CPF LIFE income.
In 2025, Singapore’s retirement landscape is already shifting.
While the nationwide legal change to 64/69 arrives in 2026, the public service (and some large employers) have moved early in 2025—creating more room for CPF contributions and compounding.
Combine that with the higher contribution rates, the S$7,400 salary ceiling, and the larger ERS, and many members can finish their careers with stronger balances and CPF LIFE payouts.
The bottom line: understand your employer’s timeline, use the 2025 rules to your advantage, and position your CPF for a more secure retirement.
