CPF Board’s member and balance counts for every age group, with the average computed in the open
CPF Board’s statistics page publishes two columns for each age group: how many members are in it, and what their balances add up to. Neither is easy to turn into the one number people actually ask for, so this page shows both columns unchanged and does the division in a third. The two published columns are the source of truth; the average is arithmetic on them, and the build refuses to publish any average the two columns do not produce.
| Age group | Members (’000) | Total balances ($’000) | Average per member (computed) |
|---|---|---|---|
| Up to 20 | 739 | 3,212,030 | $4,346 |
| Above 20 to 25 | 215 | 2,892,969 | $13,456 |
| Above 25 to 30 | 271 | 16,010,175 | $59,078 |
| Above 30 to 35 | 327 | 37,422,908 | $114,443 |
| Above 35 to 40 | 337 | 54,380,241 | $161,366 |
| Above 40 to 45 | 323 | 69,297,290 | $214,543 |
| Above 45 to 50 | 315 | 84,506,272 | $268,274 |
| Above 50 to 55 | 316 | 99,578,961 | $315,123 |
| Above 55 to 60 | 296 | 92,421,178 | $312,234 |
| Above 60 to 65 | 304 | 88,104,372 | $289,817 |
| Above 65 to 70 | 282 | 53,961,374 | $191,352 |
| Above 70 to 75 | 224 | 35,937,913 | $160,437 |
| Above 75 to 80 | 163 | 16,080,913 | $98,656 |
| Above 80 | 159 | 7,466,258 | $46,958 |
| Total | 4,271 | 661,272,853 | $154,829 |
Members and total balances are CPF Board’s published columns, unchanged (thousands of members, thousands of dollars). The average column is computed as total balances divided by members for each row, rounded to the dollar; CPF Board publishes the two columns, not this quotient. Members include everyone with a positive balance in any CPF account. Totals may not add up due to rounding, per CPF Board’s own note. The highlighted row is the highest average of any age group.
CPF Board’s table splits members and balances by sex as well, so the same division can be done within each. The pattern is not one-sided: the female average is higher in the youngest adult bands, the male average pulls ahead from the mid-thirties on — the ages at which career breaks and part-time years compound into smaller contributions.
| Age group | Average, male | Average, female | Gap (male − female) |
|---|---|---|---|
| Up to 20 | $4,324 | $4,370 | −$46 |
| Above 20 to 25 | $11,024 | $15,956 | −$4,932 |
| Above 25 to 30 | $51,302 | $66,912 | −$15,610 |
| Above 30 to 35 | $112,705 | $116,089 | −$3,384 |
| Above 35 to 40 | $162,842 | $160,941 | $1,901 |
| Above 40 to 45 | $222,694 | $207,206 | $15,488 |
| Above 45 to 50 | $280,853 | $256,692 | $24,161 |
| Above 50 to 55 | $333,895 | $295,455 | $38,440 |
| Above 55 to 60 | $330,018 | $295,156 | $34,862 |
| Above 60 to 65 | $308,235 | $271,639 | $36,596 |
| Above 65 to 70 | $202,939 | $181,509 | $21,430 |
| Above 70 to 75 | $176,616 | $145,374 | $31,242 |
| Above 75 to 80 | $113,090 | $86,354 | $26,736 |
| Above 80 | $57,321 | $39,976 | $17,345 |
Each average is computed within that sex from CPF Board’s published members and balances columns. The gap column is the male average less the female average; a negative figure means the female average is higher. The published Total row is omitted here on purpose: combining two sex averages into one would need member-weighting, not a plain mean, so read the overall average from the main table — it is $154,829.
Planning around the turnover is what the milestones section of the CPF financial planning guide is for — the moves to make before the draw-down begins.
The average climbs every band to the above-50-to-55 group and falls at every band after it. That turnover is not a data quirk — it is what the CPF rules do at and after 55. The Retirement Account opens, savings above it become withdrawable, housing continues to be paid out of the Ordinary Account, and from 65 part of the savings is paid into CPF LIFE as a premium. Every one of those moves money out of “balance”, so the members still counted in the older bands are the ones who have drawn down the most, by design.
The practical read: the falling averages in the older bands measure withdrawals happening, not savings failing. What the system intends you to retire on is not the balance itself but the retirement sum set aside at 55 and the payouts it buys — both covered page by page in the related references below.
The average CPF balance is $154,829 per member, across the 4.27 million members with a positive balance, on CPF Board’s figures as at 31 December 2025. CPF Board publishes the member count and total balance for each age group; the average is computed here as the one divided by the other, and it is a mean, not the median member’s balance.
CPF Board’s table is banded, so the answer is the two bands that meet at 55: members above 50 to 55 average $315,123 and members above 55 to 60 average $312,234 — the two highest bands on the table. At 55 itself the Retirement Account opens and the retirement sum rules apply; see what changes at 55, 60 and 65.
Because the CPF rules move money out of the accounts from 55 onwards: the Retirement Account is set aside, savings above the retirement sum become withdrawable, housing continues to be paid from the Ordinary Account, and from 65 a premium is paid into CPF LIFE. The average falls every band after the Above 50 to 55 peak — down to $46,958 above 80 — because the members still counted in the older bands have drawn down, by design.
No. The average is a mean, pulled up by the largest balances; most members have less than the average in their age group. CPF Board’s table publishes totals, not a median, so this page computes the mean and labels it as one rather than presenting it as a typical balance.
Find your age group’s row on the table and compare the total across your Ordinary, Special or Retirement, and MediSave accounts — the CPF contribution calculator shows your accounts after every month’s contribution. A balance below your band’s average is common: the mean sits above the typical member because of the largest balances.