For educational purposes only. Not financial advice.
Currency
Client Details
Monthly Income Goal at Retirement
S$
Other Monthly Income at Retirement Optional
S$
Enter your estimated total monthly passive income at retirement from sources outside this plan (e.g., CPF LIFE for PR/SG, SSS pension, rental income). For accurate CPF LIFE figures, refer to the official CPF Board estimator.
Existing Retirement Investments Optional
Add current investments earmarked for retirement. We'll project each to its future value at your retirement age.
Total Projected FV at Retirement–
Assumptions
Inflation Rate4%
1% Low6% High
Reference: SG long-term ~2%, PH ~3–4%
Expected Investment Return6%
0% Cash/FD15% Aggressive
Retirement Fund Target
Gross Fund Needed by Age –
–
Total cost of your retirement lifestyle (before offsets)
Today's Monthly Goal
–
what you want in today's $
1st Year Monthly
–
same lifestyle, future $ (inflated)
Years to Retirement
–
accumulation period
Retirement Duration
–
years of income needed
Savings Required to Hit Target
Monthly Savings Needed (at 6% p.a.)–
% of Today's Monthly Income–
This assumes consistent monthly savings earning the selected return until retirement age.
Calculation Breakdown
Step 1 · How Much You'll Need
Today's Monthly Goal–
Years Until Retirement–
Inflation Rate (compounds the goal)–
Inflation Multiplier (1+i)^n–
→ 1st Year Monthly at Retirement–
→ 1st Year Annual Withdrawal–
Investment Return Assumption–
Gross Lump Sum Needed–
Step 2 · What You Already Have
Other Monthly Income at Retirement–
→ Equivalent Lump Sum Value–
Existing Investments (Today's Value)–
→ Future Value at Retirement–
Step 3 · The Gap You Must Fund
Gross Lump Sum Needed–
Less: Total Offsets (Other Income + Existing Inv.)–
⚠️ For educational and illustrative purposes only. This is not financial advice.
📊 Uses the Growing Annuity Present Value formula. Results depend on assumptions provided and do not guarantee future outcomes. Actual results vary based on market conditions, lifestyle, and other factors.
📎 Inflation assumptions reference Philippine Statistics Authority CPI data and Singapore MAS benchmarks. Investment return assumptions are illustrative long-term averages and do not represent any specific product or guarantee.
