Retirement Income Calculator — Golden Years Starter Kit

🧮 Your Retirement Inputs

Fill in your details below. Nothing is saved or shared.

👤 About You

Current Age

Planned Retirement Age

Desired Monthly Expenses in Retirement ($)

How much do you need each month to live comfortably?

📊 Under 55 — We'll project your RA balanceWe'll estimate your Retirement Account balance at 55 based on your current CPF balances, monthly contributions, and CPF interest rates.

🏛️ 55 and above — Enter your RA balanceEnter your actual Retirement Account balance from your CPF statement for the most accurate projection.

🏛️ CPF Balances (Under 55)

Current OA Balance ($)

Ordinary Account

Current SA Balance ($)

Special Account

Monthly Gross Salary ($)

Used to estimate ongoing CPF contributions until 55.

CPF LIFE Plan (at 65)

How we project your RA at 55: SA earns 4% p.a., OA earns 2.5% p.a. Extra 1% on first $60K combined. Monthly CPF contributions are added based on current allocation rates (employee 20% + employer 17%). At 55, SA transfers to RA first, then OA tops up to the FRS. FRS is projected to grow ~3.5% per year from the 2025 base of $205,800.

🏛️ CPF LIFE (55 and above)

Current RA Balance ($)

Check your CPF statement for your current Retirement Account balance.

CPF LIFE Plan

How we estimate your payout: CPF LIFE payout rates are based on your RA balance at age 55 (~$7.98 per $1,000 for Standard, ~$7.18 for Escalating). Since you're past 55, your RA has earned interest since then. We discount your current balance back to age-55 equivalent using 4% p.a. RA interest, then apply the payout rate. This gives a more accurate estimate.

💰 Cash Savings

Total Cash Savings by Retirement ($)

Savings Drawdown Period (years)

e.g., age 65 to 90 = 25 years

📈 Investments

Investment Portfolio Value at Retirement ($)

Expected Annual Yield (%)

Conservative: 3–4%. Dividend-focused: 4–6%.

📉 Inflation

Assumed Annual Inflation Rate (%)

Singapore long-term average: 2–3%.

Your Estimated Monthly Retirement Income

CPF LIFE Payout

Savings Drawdown

Investment Income

Want a personalised, in-depth analysis?

Book a Free CPF LIFE Check →

📋 Important Notes & Assumptions

CPF interest: OA 2.5% p.a., SA/RA 4% p.a., extra 1% on first $60,000 combined (simplified).
CPF contributions: Employee 20% + employer 17% = 37% of salary. Allocated OA 23% / SA 6% / MA 8% (under 55).
At age 55: SA → RA first, then OA tops up to FRS. FRS projected at ~3.5% growth from $205,800 (2025 cohort).
CPF LIFE payout: ~$7.98 per $1,000 RA at 55 (Standard). Escalating starts ~$7.18.
Savings: Equal monthly withdrawals. Investments: Yield drawn monthly, capital preserved.
This is an estimate only. Actual payouts depend on CPF Board rates and your cohort. Not financial advice.