Retire ComfortablyStep 3 of 4Next: Should I Top Up CPF, Use SRS Or Invest?

How Much Do I Need To Retire?

Retirement Number Planner

Enter your age, savings and the monthly income you want in retirement. See the savings pot you need, whether your current investing gets you there, and the earliest age it could.

New to this? Read The Short Guide First →

Page updated 11 September 2026 · Scenario-based estimate

1 Your Numbers

Your Retirement Plan

Enter only the monthly income your own savings must pay you, after CPF LIFE and any other regular income.

Already retired, or stopping work this year? This tool plans the years before you retire. Make My Retirement Money Last →

Current Age

Age You Want To Retire

Plan Until Age

The age your money must last until. A later age is more cautious.

Monthly Income Needed From Savings (S$/month, Today’s Dollars)

Current Retirement Savings (S$)

Amount Invested Each Month (S$/month)

Yearly Return Before Retirement (% Per Year)

Average yearly growth while you are still working. Our guide’s example uses 5%. Try a lower number to be cautious.

Yearly Return During Retirement (% Per Year)

Growth on the money still invested while you draw it down. Usually lower than before retirement; the guide’s example uses 3%.

Inflation (% Per Year)

How fast prices rise each year. The guide’s example uses 2%.

We work this out in your browser.

2 Your Result

Here is how your retirement plan looks

—

Retirement Number (Savings Needed At Retirement)

—

Projected Savings At Retirement

—

Surplus / Shortfall

—

First-Year Income At Retirement (S$/month, Future Dollars)

—

Monthly Investing Needed In Total (S$/month)

—

Share Of Retirement Number Reached

—

Share Image

Feed 4:5 Story 9:16

Hide My Numbers

The image shows your main result unless you hide it. It is made on this device. Nothing is shared unless you choose.

A result link includes the numbers you entered. Only share it with people you trust.

What This Estimate Assumes

Rough estimate only. It works out each year’s cash flow from your retirement age to the last age you enter. The income your savings must pay is in today’s dollars. It rises with inflation and is discounted at your after-retirement return. Savings grow monthly before retirement, with money added at month-end. Returns are smooth assumptions, not forecasts. Leaves out taxes, fees, market ups and downs, and the risk of poor returns early in retirement (sequence-of-returns risk). Enter only the income your savings must pay after CPF LIFE, pensions, rent or other regular income.

3 What Next

Step 4 of 4 in Retire ComfortablyShould I Top Up CPF, Use SRS Or Invest?CPF Top-Up Vs SRS Vs Invest →Read The GuideHow Much Do I Need To Save Each Month To Retire At 60? →

Before You Use This Number

Is This The Same As A 4% Rule Estimate?

No. It works out each year’s income up to the age you choose, adds inflation, then discounts it at your after-retirement return.

Should I Include CPF LIFE?

Start with the monthly income you want. Subtract expected CPF LIFE, pension, rent or other regular income. Enter what is left.

What Does This Estimate Assume?

It assumes steady returns and inflation, monthly saving before retirement and yearly withdrawals after. Real markets go up and down, so leave a safety margin and try lower returns too.