S$0
Needed at retirement
Enter your age, what you've saved and what you'll spend each month. The calculator adds inflation, investment growth and your CPF LIFE payout, then shows your shortfall or surplus. Everything is worked out in your browser — nothing is sent anywhere.
Where you are now and when you plan to stop working.
What you'll draw on in retirement. Leave out your home. CPF is counted below as your CPF LIFE payout.
How much you add to those savings each month from now on.
What you'll spend, and the income that will keep coming in.
What you'd spend a month if you retired today. Inflation is added for you.
Pick the retirement sum you expect to set aside at 55. Payouts are CPF Board's estimates for the Standard Plan, starting at 65.
Rental, an annuity, part-time work. Assumed to rise with inflation.
Plan for longer than you expect. Running out early costs far more than having some left over.
Yearly rates. Small changes here move the result a lot over decades, so try a cautious set too.
Returns are usually lower in retirement because the money is held more safely.
Shortfall at retirement
Estimate only — not financial advice. Returns and inflation are held steady every year, which real markets never do. CPF LIFE payouts use CPF Board's estimates for members turning 55 in 2026 (Standard Plan, from 65: Basic S$950, Full S$1,780, Enhanced S$3,440 a month); for younger users they are raised with inflation up to age 55. Your actual payout depends on your Retirement Account balance, plan and start age. Check your own figure with the CPF LIFE Estimator on cpf.gov.sg, and speak to a licensed adviser before big decisions.
Runs entirely in your browser. No data leaves your device — your figures are kept in this browser's local storage so they're still here when you come back, and only this browser on this device can read them. On a shared or public computer, use Clear when you're done.