Singapore FIRE Planner

CPF · SRS · Monte Carlo · Drawdown — all calculations run locally in your browser

Personal

Current age

Target retirement age

Life expectancy

Citizenship / residency status

Income & Savings

Annual income (S$)

$120K

Annual savings rate

30%

Current investable portfolio (S$, excl. CPF)

$200K

Current CPF OA balance (S$)

$80K

Current CPF SA balance (S$)

$50K

Retirement Spending

Target monthly expenses in retirement (S$)

$5,000

Inflation rate assumption

2.5%

Portfolio Returns

Expected annual return (pre-retirement)

Expected annual return (post-retirement)

4.5%

Portfolio volatility (std dev, for Monte Carlo)

12%

CPF & SRS Options

Top up CPF SA annually (cash top-up, up to $8,000)

Max SRS contributions each year

CPF LIFE plan

CPF retirement sum target

Property equity to unlock at retirement (S$)

Portfolio growth over time

Investable portfolio CPF total Retirement need

CPF LIFE estimated monthly payout

SRS projection

CPF balance growth (OA + SA → RA at 55)

OA SA Total

Monte Carlo runs 1,000 simulations using log-normal returns with your volatility assumption. The bands show the spread from pessimistic (10th percentile) to optimistic (90th percentile) outcomes.

Portfolio range — 10th / 50th / 90th percentile

Portfolio balance through retirement — portfolio vs. SRS

Investable portfolio SRS balance