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Grow My WealthStep 1 of 7Next: How Much Could My Savings Grow?

How Many Months Could You Last?

Months You Could Last Calculator

See how many months your cash and savings could pay for your life if you stopped working.

New to this? Read The Short Guide First →

Page updated · Your own numbers, our simple levels
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1 Your Numbers

Your Money Each Month

Cash, savings, fixed deposits, T-bills, Singapore Savings Bonds (SSBs) and investments you could sell quickly. Not CPF or your home.

What you normally spend in a month.

Also called passive income: CPF LIFE or other payouts, interest, dividends and rent. Use 0 if none.

What you would need if you cut back hard. No more than your usual spending.

What the lifestyle you would like would cost each month. No less than your usual spending.

Leave at 0 for today’s prices. Try 2 to 3 to see how rising prices shorten the time, which matters most if you are already retired.

We work this out in your browser.

2 Your Result

You could last

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Your Level
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The Four Money Levels

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    What This Estimate Assumes

    Rough estimate only, not advice. At 0% price rises it uses today’s prices, so if prices rise your money runs out sooner; enter a yearly price rise to see by how much (other income is assumed to stay flat). It ignores investment returns or losses, taxes and one-off costs. Passive income can change or stop. CPF and your home are not counted as liquid. The four levels are our own simple milestones, not an official measure.

    3 What Next

    Step 2 of 7 in Grow My WealthHow Much Could My Savings Grow?Compound Growth Calculator →Read The GuideHow Many Months Could Your Savings Last Without Work? →

    Before You Use This Number

    What Counts As Liquid Assets?

    Cash, savings, fixed deposits, T-bills, Singapore Savings Bonds (SSBs) and investments you could sell within a few weeks. CPF and the home you live in are left out, because you cannot easily spend them.

    What Counts As Passive Income?

    Money that comes in without you working, such as bank interest, dividends or rent. Use what you really receive each month. It can change or stop, so check it often.

    Are These Levels An Official Measure?

    No. They are our own simple milestones to help you see your next step. Each level counts only when every level below it is also met.