Singapore Retirement Calculator

Plan your financial future with CPF and investment projections using advanced modeling

Financial Inputs
Enter your current financial situation

Personal Information

CPF Contribution Info (Age 30)

Employee: 20% ($1,600/mo)

Employer: 17% ($1,360/mo)

Total: $2,960/month

Rates vary by age. OA earns 2.5%, SA earns 4.0%

Income & Career

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From part-time work, consulting, pension, rental income, etc.

Portfolio withdrawals will supplement this if needed

Current Assets

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Advanced Settings
Economic assumptions and projections

Net Worth at Retirement

$4,079,809

Real: $1,719,113

Monthly Retirement Budget

$13,599

Real: $5,730

Years to Retirement

35

Achievable age: 55

Net Worth Projection
Your projected net worth over time as a singapore citizen including CPF and investments - in future dollars
Expenses & Purchases
Track your monthly, yearly expenses and major purchases

Monthly Expenses

Include all recurring monthly costs. Amounts automatically adjust for inflation.

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Yearly Expenses

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Notable Purchases

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Assumptions & Notes
Key assumptions used in calculations
  • Status: Singapore Citizen
  • Inflation impact: All expenses and income grow with inflation
  • Real returns: Investment returns are reduced by inflation for purchasing power
  • CPF rates: Vary by age (20%+17% at younger ages, decreasing after 55)
  • CPF interest rates: OA 2.5%, SA 4.0% per annum
  • CPF allocation: 60% to Ordinary Account, 40% to Special Account
  • Post-retirement expenses reduced by 30% (configurable)
  • Life expectancy: Assumed at 85 years
  • Withdrawal rule: 4% annual withdrawal rate for retirement budget calculation
  • Maximum withdrawal: Capped at 10% per year for portfolio preservation
  • Real values: Show purchasing power in today's dollars (adjusted for inflation)
  • Nominal values: Show actual future dollar amounts (not inflation-adjusted)
  • Notable purchases: Deducted from investment portfolio in the specified year
Future dollar amounts