Singapore
1
Your goal
How much you want to spend each month when retired.
2
Where you are now
What counts as investment savings?
Money actively invested — stocks, ETFs, SRS account, T-bills, SSB. Does not include CPF (that's below) or cash sitting in a bank account (that's the next field).
Money sitting in savings/current accounts. Earns ~1%/yr.
What's CPF?
CPF (Central Provident Fund) is Singapore's mandatory retirement savings scheme. Every month, a portion of your salary automatically goes in — you can't stop it or spend it freely.

It has two main accounts before age 55:
• OA (Ordinary Account) — earns 2.5%/yr. Can be used for housing.
• SA (Special Account) — earns 4%/yr. Purely for retirement.

At 55, both accounts merge into a Retirement Account (RA). The government holds ~$213K there for CPF LIFE. From age 65, CPF LIFE pays you a fixed monthly amount for life (~$1,500/month at the full $213K).
3
What you're doing monthly
How is CPF calculated?
For employees under 55: you contribute 20% and your employer adds 17% = 37% total. This is split between OA (79.3%) and SA (20.7%). The tool calculates this automatically from your salary.
How much you actively put into stocks, ETFs, or SRS each month.
Break down by account type ▾
Current balances
AccountBalance ($)
CPF OA
CPF SA
SRS
Stocks / ETFs
SSB / T-bills
Monthly contributions
Account$/month
CPF OA
CPF SA
SRS
Stocks / ETFs
SSB / T-bills
Investment return rate (CPF rates are fixed by law)
Account% p.a.
CPF OA
CPF SA / RA
SRS
SSB / T-bills
Required annual investment return
–
to retire at age – on $–/month
⚠️ Early retirement note: Your CPF balance is locked until age 55 — you can't use it to fund living expenses before then. Make sure your investment savings alone can cover your expenses from retirement until at least age 55. The tool shows your total wealth including CPF, but the liquid amount available at retirement is shown in the milestone cards.
Target wealth
–
25× annual spend (4% rule)
Time to retire
–
years of saving
CPF LIFE from age 65
–
Estimated monthly payout
📊
–

Wealth over time

Projected Target
Snapshots
How is this calculated?

The formula

Each year, your investment balance grows by:
balance × (1 + return rate) + (monthly savings × 12)

This is compound interest — your returns earn more returns over time. The longer your runway, the more powerful this becomes.

CPF accounts are simpler — they grow at government-set rates (OA: 2.5%, SA/RA: 4%) that you can't change. CPF contributions also happen automatically from your paycheck.

Target wealth uses the 4% rule:
Target = monthly spend × 12 × 25
This means if you withdraw 4% of your portfolio per year, it should last indefinitely based on historical market data.

Your investment portfolio — year by year

Age Start balance Contributions Returns earned End balance
Shows investments only (excludes CPF). Every 5 years shown, plus your retirement age.

CPF events the model applies