In-Hand™ Singapore Retirement Planner
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Plan Your Retirement Journey

Project your CPF, SRS and investment account to your retirement date, estimate the income they'd support at a safe withdrawal rate, and stress-test the plan against market randomness with a Monte Carlo simulation.

CPF Retirement Calculator: How Long Will My Savings Last?

This calculator projects your CPF, SRS and investment account to your retirement date, then answers the question that actually matters: how long the money lasts once you stop earning. It runs 500 Monte Carlo simulations rather than a single straight-line projection, so you get the odds your savings outlive you instead of one falsely precise number.

What makes this different

Frequently asked questions

How long will my retirement savings last?

At a 4% withdrawal rate, a pot is designed to last roughly 30 years — that's where the number comes from. But the honest answer is a probability, not a duration: it depends on what you're invested in, what returns actually arrive and in what order, and how fast inflation raises your spending. This calculator reports it as the percentage of 500 simulated market histories in which your money survives to your life expectancy.

Can I retire at 60 with S$400,000?

S$400,000 supports about S$1,333/month at a 4% withdrawal rate before CPF LIFE payouts. Retiring at 60 means funding roughly 25 years, which is a long time for that sum to stretch on its own — but CPF LIFE, which starts at the Payout Eligibility Age (65 by default, deferrable to 70 for up to 35% more), is an inflation-resistant income floor on top of it and changes the picture substantially.

Who has the most accurate retirement calculator?

No calculator predicts the future, so "accurate" really means honest about uncertainty. Tools that return one number are the least honest, because they hide the range of outcomes. Prefer ones that show a distribution — a probability of success and a spread between good and bad markets — and that let you see and change every assumption behind the answer.

How much do I need to retire?

A common rule of thumb is 25× your annual spending, which is the 4% rule stated backwards. If you spend S$36,000 a year, that's S$900,000. Spending is the input that matters most — it sets both the target and the withdrawal — which is why this planner asks for your expenses in the FIRE section rather than assuming a percentage of salary.

Does the CPF portion really grow at my chosen risk level?

Not exactly. CPF's Ordinary Account and Special/Retirement Account interest is set by the government — currently around 2.5% on the Ordinary Account and 4% on the Special/Retirement Account — not by the stock market, so it doesn't actually speed up if you pick Aggressive. This planner blends CPF into your overall return like every other account, which is a simplification: pick Conservative if you want the blended number to stay closer to what CPF alone would really earn.

Does this include CPF LIFE payouts?

Not yet. Every figure here comes from your own CPF, SRS and investment account savings, so treat the results as conservative — CPF LIFE turns your Retirement Account into a lifelong monthly payout from the Payout Eligibility Age, and for most households it covers a meaningful share of retirement spending. Check your CPF balances and projected payouts at cpf.gov.sg.

What return and inflation assumptions does it use?

Returns come from your allocation: Singapore & Asia-Pacific stocks 7%, global stocks 9%, bonds 3.5% and the CPF rate 3.5% nominal, with volatility of 17%, 19%, 5% and under 1% respectively. Inflation defaults to 2% and the withdrawal rate to 4%. All of them are editable — these are long-run averages, not forecasts, and your results should be read as a range rather than a prediction.

Estimates only, not tax, investment or retirement advice. Results depend entirely on assumptions that will not match the future exactly. Consult a licensed financial adviser before acting.