Can Retire Meh?

Tired of talking to financial planners who have a hidden agenda? Built for the kiasu, kiasee and kopi-siao Singaporean, this tool helps you see whether your cash, CPF, and investments can tahan your golden years — without needing a PhD in Excel. Inspired by CPF, powered by common sense (and some JavaScript), built with the help of AI. No sales, no fluff — just clarity. Use at your own risk hor!

Note: Please enter whole numbers only without commas or decimal points. For example, enter "123456" instead of "123,456.00". Your privacy is important - data input into this document is neither collected nor tracked.

1. Personal Details Current Age How old are you today? Monthly Income Your gross monthly salary today. Annual Income Growth Rate (%) Estimated yearly salary growth (up to 2 decimal places). Planned Retirement Age Age you stop working and begin drawing retirement income. No further contributions to cash savings, investments and CPF will be made after this age, apart from expected interest that will be compounded. Years in Retirement How many years you expect to be in retirement.

2. Cash Savings Current Cash Savings Liquid cash you have in your account(s). Cash Growth Rate (%) Expected annual interest rate on cash (up to 2 decimal places). If you have multiple accounts, you can do a simple average. Cash Contributions Amount that you regularly contribute to your cash savings at a monthly or annual basis. This stops at retirement age indicated above. Cash Contribution Frequency

3. Investments Current Investments Total amount invested currently. Leave blank if you have no investments. Investment Growth Rate (%) Expected annual return on investments (up to 2 decimal places). Just enter a rough average rate of return on all your investments combined. Investment Contributions Amount that you regularly add to your investments (e.g. such as through dollar averaging strategies) on a monthly or annual basis. Leave blank if none. This stops at retirement age indicated above. Investment Contribution Frequency

4. CPF (rates and projections based off current CPF policy 2025) CPF Ordinary Account (OA) Current balance in your OA (2.5% p.a.). CPF Special Account (SA) Current balance in your SA (4% p.a.). CPF MediSave Account (MA) Current balance in MA (4% p.a., non-withdrawable, capped). CPF Retirement Sums (Choice of CPF LIFE Plan) Select CPF LIFE tier you expect to join.

5. Retirement Goal Desired Monthly Retirement Income Amount you want to receive per month during retirement.

Key Assumptions

CPF interest rates remain at 2.5% (OA) and 4% (SA/MA/RA) throughout the projection
Extra 1% interest on first $60,000 of combined CPF balances (with up to $20,000 from OA)
Additional 1% interest on first $30,000 for members aged 55 and above
CPF Life Payouts start from 65 and are fixed, according to the CPF standard plan, but payout amount grows at 2% to modestly take into account growth in retirement sums
Inflation effects on purchasing power are not factored in the model, but you may consider that in your monthly retirement income
Healthcare costs and mortgage payments that may affect MA and OA balances are not factored in
Current CPF policies and withdrawal ages are assumed to remain unchanged
CPF SA closes at age 55, with remaining SA balance transferred to OA (2026 policy)
MA ceilings and Basic Retirement Sum (BRS) are projected to grow at 3.5% annually
Full Retirement Sum (FRS) and Enhanced Retirement Sum (ERS) are set at 2x and 4x of BRS
Monthly/Annual Cash and investment contributions cease at planned retirement age, but continue to be compounded at selected growth rates

Note: Values in this table represent end-of-year balances. During retirement, funds are drawn in sequence: CPF LIFE payouts → Excess CPF (OA/SA) → Cash → Investments.

Can Retire Meh?

About CPF LIFE Plans