🌿 Retirement Planning

Do you have enough for retirement?

Move the sliders and watch your plan update live.

Your Financial Profile
Drag the sliders or type directly into the boxes
Annual Income You Want in Retirement today's dollars · SG median household spend ≈ $60K/yr
Your Current Age
Target Retirement Age SG median actual retirement age ≈ 63
Life Expectancy SG avg: men 82, women 87
Expected Inflation RateiHow fast the cost of living rises each year. Singapore's long-term average is around 2.5%. % per year · SG long-term avg ≈ 2.5%
Expected Investment ReturniYour average yearly return before inflation. A balanced mix of stocks and bonds has historically returned 5–7% per year. % per year · balanced portfolio historical avg 5–7%
✦ Optional: if you already have savings
Current Retirement Savings already saved
⚠️ Check your ages: Retirement age must be higher than current age, and life expectancy must be higher than retirement age.
Principles that move these numbers
  • ⏳
    Every year of delay costs more than the last
    Starting a decade earlier can halve your required monthly savings. Compounding rewards runway, not intensity.
  • 📉
    Inflation quietly raises the bar
    A 2.5% inflation rate nearly doubles the cost of living over 30 years. Your target income must grow with it.
  • 📊
    Real return is what actually matters
    A 5% return feels different when inflation is 3% versus 1%. Focus on what's left after prices catch up.
  • 🏛️
    CPF is your foundation, not your ceiling
    CPF LIFE covers the basics in Singapore. Private savings and investments decide the lifestyle on top.
Your Retirement Number
Total Lump Sum Needed at Retirement
$875,000
Needed at age 65 · sustains you until age 85
 
Future Annual Income
$62,368
What your income equals at retirement
Years to Build Savings
30 yrs
Time to grow your nest egg
Years in Retirement
20 yrs
Duration your fund must cover
Return After InflationiYour investment return minus inflation. That's how much your money actually grows in real purchasing power.
1.94%
What your savings really grow by each year
💰
Monthly Savings Target
What you need to set aside every month
$1,234
 
Save this amount monthly from now until retirement to reach your goal.
Retirement Readiness Score
0%
Based on your current savings growing at your expected return rate.
🟠 Behind
ℹ️

This is an approximation. These projections assume constant returns and inflation, and don't account for CPF LIFE payouts, sequence-of-returns risk, tax, healthcare costs, or major life changes. Always speak with a licensed financial adviser before making retirement decisions.

The power of compounding

Your Retirement Fund Journey

See how your money grows, peaks at retirement, then sustains you, and how much of it comes from compound growth versus what you contribute.

You Contribute
$0
Total out of pocket over your working years
+
Compounding Adds
$0
Earned by your investments
=
Peak at Retirement
$0
Your fund on the day you retire

Understanding your results

What does this all mean?

🎯
The Lump Sum Number
This is the total amount you must have saved on the day you retire. Think of it as your personal finish line. Reach it, and your money, invested at your expected return, will pay you your chosen annual income every year until your target age, without running out.
📈
Why Inflation Matters
Because prices rise over time, $36,000 today will not feel like $36,000 in 20 years. That's why the calculator shows a higher Future Annual Income. It's the same lifestyle, just priced in tomorrow's dollars. We account for this in every number you see.
📅
Your Monthly Target
The monthly savings figure shows how much to set aside consistently, every single month from today. Start earlier and the amount drops dramatically, thanks to compounding. Even a small head-start can reduce your monthly burden by hundreds of dollars.

Retirement wisdom

Tips for a Secure Retirement

⏰
Start Earlier, Save Less Monthly
Someone who starts saving at 25 needs to save roughly half as much per month as someone who starts at 35, even targeting the same retirement goal. Time is compounding's fuel. Every year of delay costs you more than you think.
🏛️
Make Your CPF Work Harder
Singapore's CPF offers guaranteed interest of 2.5–5%, which beats most savings accounts. Topping up your Special Account and letting it compound tax-free is one of the most effective retirement moves available to Singaporeans.
🔄
Review Your Plan Annually
Your retirement number is not fixed forever. Income changes, family goals shift, and markets move. Revisit this calculator once a year and work with an adviser to keep your plan on track as life evolves.

Want to Talk Through Your Plan?

These figures are a starting point, not a forecast. Speak with one of our advisers to talk through your CPF, passive income options, and an investment allocation that could fit your goals and timeline.

📅 Speak With an Adviser Learn More →