Singapore Retirement Reality Check
How much room does your retirement plan really have?
Set a few everyday assumptions and see the amount you may need to put aside each month — before the gap quietly gets wider.
Free to use·No obligation·Agent follow-up by phone·MAS licensed representatives
Step 1 of 1 · Your starting point
Start with the lifestyle you want. Adjust any number and the plan responds immediately.
Current age
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Target retirement age
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Monthly lifestyle budget
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In today's dollars, once you retire.
Your clear next number
{{ yearsToGo }} years to go
Inflation-adjusted monthly target
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At age {{ retireAge }}, after 3.5% p.a. lifestyle inflation
Your gap — out-of-pocket shortfall
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The extra cash you must fund yourself each month after CPF LIFE.
A practical monthly starting point
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To build {{ capitalDisplay }} of capital over {{ yearsToGo }} years, assuming 4% p.a. growth. An assumption, not a promise.
Estimated CPF LIFE coverage
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Standard plan estimate at age 65
Free roadmap
Request a 1-page retirement roadmap
Want to unpack the numbers? Send a roadmap request and an adviser can call you to discuss the retirement gap and the next practical steps.
✓Your request is routed to an adviser for a phone follow-up
✓Talk through your figures and ask questions at your own pace
✓A practical roadmap shaped around your age and goals
You're all set!
Your request has been received. An adviser will call +65 {{ roadmapPhoneDisplay }} to discuss your roadmap.
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How the numbers are worked out
Lifestyle inflation. Your desired income is grown at 3.5% a year until retirement. It is a planning assumption that allows for everyday costs and the lifestyle you want to maintain — not a promise about future inflation.
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
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Meet our advisers
Most Singaporeans assume CPF LIFE is enough until inflation hits. We built this tool so you can see your numbers plainly before deciding whether to speak with an adviser. If you want help closing your monthly gap, we're here. If not, the roadmap is yours to keep.
Legacy Planner by Axis Collective
Estimates use a 3.5% p.a. lifestyle inflation assumption, a $1,650 CPF LIFE estimate and the 4% withdrawal benchmark. For education only, not financial advice. Prepared by the Legacy Planner team at Axis Collective.