Find out how much you need to retire comfortably and whether you are on track to get there.
Rates verified: 6 November 2026
A common rule of thumb is to have 25x your annual retirement expenses saved (the 4% rule). For SGD 4,000/month expenses, that is SGD 1.2 million. CPF LIFE also provides a monthly payout from age 65.
CPF LIFE is Singapore's national annuity scheme. Members with at least SGD 60,000 in their Retirement Account at age 65 are automatically enrolled. CPF Board estimates about SGD 950, SGD 1,780 or SGD 3,440 a month from age 65 for members turning 55 in 2026 who set aside the Basic, Full or Enhanced Retirement Sum, on the CPF LIFE Standard Plan.
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The results are estimates based on published rates and the details you enter. They are intended for planning and general reference. For decisions that matter, confirm the figures with the official source or a qualified professional.
⚠️ Financial Disclaimer: Calculations on this site are for informational purposes only and do not constitute financial advice. Results are estimates based on published rates and may not reflect your individual circumstances. Always verify with official sources and consult a qualified financial advisor before making financial decisions.
This calculator projects whether your current savings and contributions will be sufficient to fund your desired retirement lifestyle. It factors in your current savings, monthly contributions, expected investment returns, target retirement age, expected retirement duration, and desired monthly retirement income. The result shows projected savings at retirement and whether the amount can sustain your target monthly withdrawal.
A commonly referenced guideline is the 4% rule: a retiree can withdraw 4% of their portfolio annually with a high probability of the portfolio lasting 30 years. For Singapore residents with longer average lifespans (approximately 84-86 years), a more conservative 3-3.5% withdrawal rate may be appropriate. CPF Life provides a baseline lifetime income, which reduces the amount needed from personal savings. How much you get depends on your CPF Retirement Account balance at 65, which our CPF guide walks through.
Inflation erodes purchasing power. A $4,000 monthly income today requires approximately $7,200 in 20 years to maintain the same purchasing power at 3% inflation. Medical costs typically increase faster than general inflation. This calculator uses assumed constant returns; actual market returns fluctuate and sequence-of-returns risk (poor returns early in retirement) can significantly impact portfolio longevity.