A plain-English check on whether your money will last in retirement — built for Singapore.
1
Pick a mode

Start with Simple Check (7 quick inputs, ~1 min). Switch to Advanced Plan later for property, SRS, stress tests and couples.

2
Grab your real numbers

CPF balances: Singpass app → CPF. Monthly spending: your bank app's expense tracker (DBS NAV / OCBC / UOB). Salary: your latest payslip.

3
Read your result

The Results tab tells you if you're funded, what age your cash might run out, and your estimated CPF LIFE payout from 65.

Estimates only, using 2026 CPF rules. Not financial advice. Nothing you enter leaves your device.
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Singapore Retirement Planner · 2026 rules
Funded
Planning for
Your timeline
yrs
yrs
23 yrs to go
yrs
$
Income & spending
$
~$8k of pay attracts CPF
$
mths
%
$
$42,000 / year
%
$
Property & mortgage
$
%
$
yrs
Cash & investments
💵
Liquid wealth
Money you can spend in retirement
Bank savings i
$
%
Investments i
$
%
SRS account
🔒
SRS holdings
Tax-deferred · penalty-free withdrawal from 62→72
SRS balance i
$
%
CPF accounts
🏛️
CPF balances
From Singpass app → CPF. In couple mode, enter combined.
OA balance i
$
2.5%
SA balance i
$
4.0%
RA balance i
$
4.0%
MediSave (MA) i
$
4.0%
CPF LIFE top-up
At 55, set aside more in your Retirement Account for bigger lifelong payouts. FRS $220,400 → ~$1,730/mth · ERS $440,800 → ~$3,340/mth (2026).
✅
Fully funded
Your savings cover your retirement spending.
Stress test
CPF LIFE payout i
—
/month from age 65
Money lasts until i
—
age
Liquid at end i
—
at plan-end age
Total legacy i
—
net worth at end

Wealth trajectory

Liquid wealth CPF (locked) Property

What's driving this

Getting started in 60 seconds

RetireSG answers one question: will your money last in retirement? Enter your real numbers, and the Results tab shows whether you're funded, when your spendable cash might run out, and your CPF LIFE income for life.

Where to find each number

  • CPF balances (OA / SA / RA / MA): open the Singpass app → tap CPF, or log in at cpf.gov.sg.
  • Monthly spending: your bank's tracker — DBS NAV Planner, OCBC or UOB insights — averaged over a few months.
  • Salary: your latest payslip (gross, before CPF).
  • Investments / SRS: your brokerage or robo app (Endowus, Syfe, IBKR, Tiger, etc.).

Simple Check vs Advanced Plan

🟢 Simple Check — a fast baseline

Seven inputs, about a minute. It assumes 2.5% inflation, a 4% return on investments, standard CPF rules, and a plan to age 90 — so you can focus on the core question without the detail.

🟡 Advanced Plan — the full model

  • Couples: plan as a household with combined balances and doubled CPF thresholds.
  • Property & mortgage: track home value and when your loan clears.
  • SRS & per-account returns: set your own rates for cash, investments and SRS.
  • CPF LIFE top-ups: model topping your Retirement Account to the FRS or ERS.
  • Stress tests: a prolonged bear market, or a crash right at retirement (sequence-of-returns risk).
  • Legacy: set an amount you'd like to leave behind.

The CPF terms, briefly

  • OA / SA / MA: Ordinary (housing, 2.5%), Special (retirement, 4%), MediSave (healthcare, 4%).
  • SA closes at 55: its savings move into a new Retirement Account (RA), up to the Full Retirement Sum; anything extra goes to OA.
  • BRS / FRS / ERS (2026): Basic $110,200, Full $220,400, Enhanced $440,800. The more you set aside, the larger your payout.
  • CPF LIFE: a lifelong monthly income from age 65, based on your RA. Roughly $1,730/mth at FRS, up to ~$3,340/mth at ERS.
  • Extra interest: +1% on your first $60k across accounts, and another +1% on the first $30k once you're 55+ — up to 6% on early dollars.

Assumptions & honest limits

This is a planning estimate, not advice or a guarantee. It uses 2026 CPF figures and simplifies real rules: CPF LIFE is modelled as the level Standard Plan; allocation and interest tiers are approximated; tax on income and SRS withdrawals isn't modelled; and couple mode treats your entries as household totals with doubled caps. CPF rules and retirement sums change yearly — re-check the official figures at cpf.gov.sg before making decisions. Everything runs in your browser; nothing you type is sent anywhere.