Retirement Planning Calculator

Singapore-focused estimates for spending, CPF LIFE and retirement readiness.

Results shown at the end

Your Profile

Current age years

Retirement age years

Plan until age years

Notes optional

Fill each page and click Next. Results will only appear on the final page.

Planning idea: Many people plan to age 90–95 to buffer longevity + healthcare.

Spending & Lifestyle

Mode simple vs detailed

Inflation assumption %/yr

Current monthly spending SGD

Retirement lifestyle factor 80%

Guide: 50% simpler lifestyle • 80% maintain lifestyle • 120% more travel / hobbies.

One-off retirement buffer SGD

For renovations, medical spikes, helping family, etc. Added into required fund.

Other retirement income /month

Example: rental income, annuity, part-time work.

Savings & Investment Assumptions

Current liquid investments SGD

Save / invest monthly SGD

Pre-retirement style dropdown

Used up to retirement age.

Post-retirement return %/yr

Used after retirement age.

Reminder: Returns are uncertain. Use conservative assumptions for safety.

CPF LIFE Payout Option

CPF LIFE plan type assumed eligible

CPF LIFE is applied from age 65 and is included in all calculations to reduce retirement gap.

CPF LIFE logic estimate

Payout is anchored to a baseline (Standard) and adjusted by plan type:
• Basic: lower payout
• Standard: baseline payout
• Escalating: lower start, grows ~2%/yr

Important: We assume you meet the required retirement sum for the selected option.

Results

Targeted retirement monthly income (at age —)

$—

−

$—

CPF LIFE (from 65)

$—

Shortfall

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Target fund at retirement

$—

—

Projected fund at retirement

$—

—

Retirement gap

$—

—

Plan A: Total monthly saving needed

$—

—

Plan B: Target pre-ret return needed

—

Plan C: Monthly saving needed at 8%

$—

—

Key Assumption	Value

Disclaimer: Educational estimation only. Not financial advice. Actual CPF LIFE payouts and rules may differ.

Disclaimer: This tool is for estimation only and does not constitute financial advice. Investment returns are uncertain. Always verify with official sources and your own statements.