Singapore Retirement Reality Check 🇸🇬

What's Your Actual Retirement Number?

Factor in CPF LIFE, 2.5% inflation, and your ideal monthly payout in 30 seconds.

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Prepared by a licensed representative

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Every assumption shown below

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Your Numbers

Slide the knobs below. Your numbers update instantly.

Current Age
35 yrs
1860
Target Retirement Age
65 yrs
5575
Monthly Income You WantIn today's dollars, once you retire
$4,000/mo
$1,500$10,000

Your Retirement Snapshot

30 yrs to go

Inflation-Adjusted Monthly Target

$8,390/mo

At age 65, after 2.5% p.a. inflation

Your Gap

Your Out-of-Pocket Shortfall

$6,740/mo

The extra cash you must fund yourself each month after CPF LIFE.

What that works out to from today

$2,913 a month, set aside

To build $2,022,081 of capital over 30 years, assuming 4% p.a. growth. An assumption, not a promise.

Estimated CPF LIFE Coverage

$1,650/mo

Standard plan estimate at age 65

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How the numbers are worked out

  • Inflation. Your desired income is grown at 2.5% a year until your retirement age. That is close to Singapore's long run core inflation average, not a worst case figure.
  • CPF LIFE. A flat $1,650 a month from age 65, roughly the Standard Plan payout for someone who reaches the Full Retirement Sum. Switch it off to see the picture without CPF.
  • Your shortfall. Inflation adjusted income minus the CPF LIFE estimate.
  • Capital needed. Shortfall times 12, divided by 4%. The 4% withdrawal rule is a common planning benchmark, not a guarantee.
  • Monthly savings. What you would set aside each month at an assumed 4% a year to reach that capital by your retirement age.

These are estimates for education. Your real numbers depend on your CPF balances, existing assets and returns.

Before you fill it in

That is where the 1 page roadmap gets sent, as a PDF you can keep. It is the only thing your number is used for.

George Koh, Licensed Financial Planner
Meet The Planner

Clear numbers. No pressure.

Most Singaporeans assume CPF LIFE is enough until inflation hits. I built this tool so you can see your numbers plainly before deciding whether to speak to a planner. If you want help closing your monthly gap, I am here. If not, the roadmap is yours to keep.

George Koh, Licensed Financial Planner

Estimates use 2.5% p.a. inflation, a $1,650 CPF LIFE assumption and the 4% withdrawal benchmark. For education only. Not financial advice.

Prepared by George Koh, a MAS licensed representative in Singapore. Questions or data removal requests: georgekoh.lk@gmail.com