Singapore FIRE planner

Plan early retirement with savings, CPF and tax.

Free to use. Non-profit personal project. Not an official CPF tool or financial advice. Use with discretion. Privacy & disclaimer

YOUR PLAN Client-side · inputs stay here

Your FIRE goal

Example plan

Target FIRE age Monthly retirement budgetS$In today’s dollars. Include travel, insurance and family support.

Your finances today

Current age Savings & investmentsS$Accessible money only. Exclude CPF, SRS and your home. Monthly take-home incomeS$After employee CPF and income tax. Include your average net bonus. Or estimate from gross salary under “Income & tax”. Current monthly spendingS$Include travel, insurance and family support, averaged monthly.

You’re putting aside—

—

Income & taxOptional · estimate from gross salary

Calculate take-home pay from gross income

For Singapore tax residents. Replaces the manual take-home input.

Monthly gross salary / net trade incomeS$Employee: gross salary. Self-employed: profit after business expenses, before tax and MediSave. Annual gross bonusS$Fixed nominal amount, paid in December while working. Gross salary growth / year (%) I am self-employed, without employment income

Non-pensioner Singapore Citizen / PR. Uses compulsory MediSave instead of employee / employer CPF. No mixed employment, platform-work income, Workfare or voluntary three-account contributions. Leave bonus at zero. Part-time gross income is also net trade income. MediSave is a same-year monthly provision; actual notices and relief timing can differ.

PR contribution rates

CPF contribution status Months until the next PR rate stageInclude this month. 1 means the next stage starts next month. CPF changes stage in the month after the conversion anniversary; check your date with CPF. Year 1 → year 2 → full rates automatically.

F/G and F/F in the first two PR years require an approved joint application. No partial conversion-month payroll or pre-PR bonus apportionment is inferred; the December bonus is assumed CPF-liable when you are a PR. Self-employed MediSave does not use graduated employee rates.

Reliefs & CPF deductions

Deduct applicable employee CPF / compulsory MediSave

Required when CPF balances or self-employment are included. Otherwise untick only if your employment has no CPF obligation. Uses the PR setting above.

Include age-based Earned Income Relief Use disability Earned Income Relief, if eligible Other eligible annual reliefs (S$)For example, eligible parent, NSman or family top-up relief. Exclude mandatory CPF/MediSave, earned-income, SRS and self top-up relief calculated here. Enter only amounts you qualify for; total relief is capped at S$80,000. Relief is not a cash refund.

Tax assumptions & IRAS sources

Resident brackets from YA 2024 onwards are held constant. No one-off rebates, donations, tax credits, non-resident rules or investment taxes. Other life-event income must be entered after tax and is not combined into this tax calculation.

Tax is budgeted in the income year. The opening calendar year assumes your current salary applied before the projection started; age-based CPF rates still apply. Relief eligibility is your responsibility. Actual IRAS assessment and payment dates differ from this budget.

IRAS rates ↗

SRSOptional · separate retirement savings

Include SRS contributions & withdrawals

Requires gross-income tax mode above. For Singapore Citizens / PRs who remain tax resident. Keep SRS out of accessible savings.

Current SRS balance (S$) Annual SRS contribution (S$)Up to S$15,300, modelled monthly while working. Stops on retirement, a career break and from the first withdrawal calendar year. Deducted from cash; keep it out of spending above. SRS contributed already this calendar year (S$)Included in the balance above. Used for current-year relief and remaining contribution room; not added to your balance again. SRS return / year (%)Nominal, after fees. Held constant even in market-path tests. Your prescribed SRS access ageUse the statutory retirement age at your first contribution. First contribution from 1 July 2026: 64. Older accounts may have 62 or 63; verify with your bank. Start SRS withdrawals at ageMust be at or after your access age and current age. Monthly withdrawals exhaust the balance over 10 years; 50% is included in taxable income. No early withdrawals or already-started windows.

IRAS SRS withdrawal rules ↗

CPF balances & housingOptional · use your actual balances

Include CPF in my plan

For Singapore Citizens and PRs. Set employment / PR rates under Income & tax. Enter account balances excluding CPFIS investments.

Ordinary AccountS$Special AccountS$

MediSaveS$Retirement AccountS$

Below 55: leave RA at zero. From 55: SA is closed; enter OA and RA after the transfer.

RA principal set asideS$If already 55: the principal in RA, excluding RA interest and grants. Use your CPF Retirement Dashboard. Leave zero below 55. Your cohort FRS at 55S$If already 55, replace this with your actual cohort FRS. Use eligible OA after retiring, from 55

Requires the FRS in cash, or qualifying property support below. Otherwise OA stays in CPF. No automatic S$5,000 withdrawal. Choose this only if OA is not needed for housing.

Monthly mortgage paid from OAS$Extra to cash spending above. If OA runs out, the balance comes from your portfolio. OA mortgage ends at age

CPFIS investments

Include CPFIS investments

Existing CPFIS-OA value (S$)Existing CPFIS-SA value (S$)

Net SA principal still invested (S$)From your CPF investment records, before gains/losses. Reduces SA cash top-up room. Keep existing CPFIS values out of both account balances and accessible savings. New monthly CPFIS-OA investment (S$)While working, after housing; keeps at least S$20,000 in OA at purchase. Stops at the sale age. Assumes eligible diversified products; individual stock/gold limits are not checked. No new SA purchases. CPFIS return / year (%)After fees. Constant even in market-path tests; no CPF interest on invested money. Sell and return CPFIS proceeds at ageProceeds return to CPF, not directly to cash. SA proceeds after 55 fill RA to FRS, then OA. Holdings are not automatically sold when SA closes. Assumes prompt settlement; no processing delay modelled.

Cash top-ups & relief

Annual cash top-up to my SA / RA (S$)0 = none. Paid in December, including after retirement until the end age below. Deducted from your portfolio; do not include it in spending too. SA capped at current FRS less SA/CPFIS principal; RA capped at current ERS. Excess requests stay in cash. Stop top-ups at ageExclusive. This model stops before CPF LIFE starts at 65. Claim eligible self top-up relief; no matching grant

Capped at S$8,000 per calendar year and FRS eligibility, within the S$80,000 total cap. RA top-ups above current FRS receive no relief. Untick if the top-ups attract matching grants or otherwise do not qualify. No grant is added automatically.

Eligible self top-up relief already this year (S$)Already reflected in current balances. Includes qualifying self SA/RA/MA cash top-ups; not added to balances or charged again. Exclude amounts attracting MRSS/MMSS grants. Existing restricted top-up savings (S$)Below 55: restricted RSTU savings including attributable interest within SA. From 55: restricted top-up principal within RA principal. Verify with CPF. New top-ups are tracked automatically and are not released through a property withdrawal.

No new MA top-ups or CPF transfers are scheduled. For eligible family top-ups, enter the qualifying relief under Income & tax (family cap S$8,000) and the cash payment as a life event. The app does not assess dependant eligibility.

Property-backed retirement withdrawal

Include a property-backed withdrawal scenario

I have checked CPF eligibility and the housing refund / pledge support

Requires a qualifying completed property with a lease lasting to at least age 95 and sufficient CPF housing refund / pledge support. This app cannot approve eligibility or infer it from property value. Assumes the property is retained; no sale/refund settlement is modelled.

Verified housing refund / pledge support (future S$)Use a CPF-verified amount, not your home value. Support is capped at half your cohort FRS and applies from the chosen withdrawal age. Requested RA cash withdrawal (future S$)Capped by support and RA principal above BRS after excluding restricted top-ups. RA interest and grants are not treated as withdrawable principal. A smaller RA generally means a smaller CPF LIFE payout. Withdraw at ageOne withdrawal, before CPF LIFE enrolment. Check your actual amount with CPF before acting.

Use your CPF estimate

Open the Retirement Payout Planner ↗ or Monthly Payout Estimator (55–79) ↗. Enter the Standard Plan payout starting at 65, in future dollars.

CPF LIFE / month at 65S$Blank uses 2026 male examples; 0 excludes payouts. Other plans and start ages are not modelled.

FIRE optionsFull, Lean, Fat, Coast & Barista

Your main plan uses your chosen spending and actual cash flows. Lean / Fat figures are adjustable benchmarks. Coast asks whether you can stop adding to investments while work still covers everyday costs.

Withdrawal-rate benchmark (%)A comparison yardstick, not a safe-return promise. Does not control withdrawals in your projection.

Lean spending (% of target)Fat spending (% of target)

Barista / part-time retirement

Starts at your selected retirement age. Amounts are in today’s S$ and grow with inflation. Keep this income out of your main take-home field.

Part-time take-home / month (S$)Manual mode only: after employee CPF, tax and costs. Gross-income mode calculates this from part-time gross salary. Zero = full retirement.Part-time gross salary / month (S$)Gross-income mode uses this for part-time cash and tax; manual mode uses it only for CPF. No part-time bonus. In self-employed mode this is net trade income before tax/MediSave.Part-time work ends at ageExclusive. Employment at 65 and beyond is not yet supported.

Life events & spendingSpending phases, breaks & major expenses

Change spending from ageThen spend (% of target)

Applies only after retirement. 80% means a smaller lifestyle budget; 120% can allow for later-life care. Add separately modelled costs below only if not already in your budget.

Final accessible reserve / inheritance (today’s S$)Required at your plan’s end age, beyond funding every month. Excludes CPF and property; not an untouched emergency fund.

A career break

Break starts at ageYears off

Zero = no break. During a break, salary and employment CPF stop; current spending comes from your portfolio. Finish the break by your retirement age.

Life events

Add up to 12 extra cash flows: family support, rent, a home deposit, travel or a windfall. All amounts are today’s S$. Income must be after tax / costs; event income does not generate CPF. Start age is inclusive; end age is exclusive.

AssumptionsSpending, returns & other assumptions

Portfolio return / year%Inflation / year%

Return is nominal, after fees, across all cash and investments. A constant assumption, not a prediction.

Use a different return after retirementRetirement return / year (%)Used only when the option above is selected.

Annual savings growth%Plan until age

Manual mode: savings grow at this rate. Gross-income mode: salary growth and inflation determine savings; this rate applies only to additional-saving comparisons.

Future FRS growth%

Future BHS growth / year%

FRS beyond 2027 and BHS beyond 2026 are assumptions. Future contribution rates stay at the announced 2027 schedule.

Market uncertaintySequence stress & synthetic Monte Carlo

Annual volatility (%)Used only by the optional Monte Carlo test. Standard deviation of annual log returns. 0 = constant return. No historical calibration.

The main chart remains a fixed-return plan. Run the tests in your results to see varying market paths. No success percentage is a promise.

Nothing is saved until you choose to save.

Encrypted browser saving

Optional. Choose a passphrase to save a plan on this browser.

Saving passphraseUse a long, unique passphrase of at least 12 characters. The app never uploads or stores it. No password reset; keep a separate backup. Repeat new passphrase

Locking clears the open draft and scenario list; save changes first. Encryption protects locked saves. It cannot protect an unlocked page from malicious scripts or a compromised device.

PROJECTIONCalculating…

Your projection

Your target and earliest modelled FIRE age.

Time to earliest FIRE—

At your target retirement—

Additional portfolio needed—

Portfolio balance

Your accessible portfolio through the years.

Your planWithout CPFInflation adjusted

A constant-return illustration. Market swings can change your outcome.

How CPF fits into the plan

Retirement stages

HOW CPF FITS IN

01 BEFORE 55

Accessible savings

Your investments fund early retirement. CPF stays separate.

02 FROM 55

Retirement Account

RA principal is funded up to your FRS.

03 FROM 65

CPF LIFE

CPF LIFE can reduce portfolio withdrawals.

Return sensitivity

What if your average portfolio return changes?

Three constant-return scenarios, not success probabilities or a sequence-of-returns stress test.

Income, tax & cash flow

Twelve-month age intervals, nominal S$. Tax is an estimated liability budget, not an IRAS payment schedule. Gross income / CPF / tax are shown only in gross-income mode. Tax includes taxable SRS withdrawals; net pay can be negative when only SRS income generates tax. SRS stays separate until withdrawn.

Annual cash flow by age interval
Ages	Gross pay / trade income	CPF / MediSave	Income tax	Net pay	Living costs	SRS in	SRS out	CPF LIFE	Other net flows	Market return	Portfolio left	SRS left

FIRE benchmarks

All figures here use today’s S$. Benchmarks exclude CPF and other income; your full projection above includes the cash flows you selected.

Your retirement funding map

Totals show positive portfolio withdrawals, in today’s dollars. They are cash-flow totals, not amounts you must hold on day one. Investment returns and the timing of cash flows determine the capital needed.

Compare changes

What-if outcomes at your selected retirement age
Scenario	Outcome	Final portfolio · today’s S$

Market risk

Sequence test: a 30% fall and a 42.86% recovery, with other years at your retirement-return assumption. The same annual returns are reversed across the first decade of retirement (or the remaining years, if fewer).

A made-up stress sequence, not a historical replay. Identical compound market returns can produce different outcomes when you withdraw money.

Optional Monte Carlo illustration. Seeded, independent monthly lognormal returns; fixed inflation and CPF rules. Your return assumption is the geometric centre. No historical calibration, fat tails or market regimes.

Saved scenarios

Save up to four named scenarios in encrypted browser storage and compare them using current model rules. Unlock storage before saving. Export a plan file to keep your own backup or move devices.

Scenario name

Import plan JSON ↑

Exports contain the financial details you entered. Sharing a file shares those details. Imported files replace the draft; saved scenarios remain separate.

See the year-by-year numbers

Nominal S$, at the age shown. CPF balances exclude the CPF LIFE premium after enrolment; this is not a bequest forecast. Negative portfolio values show cumulative unfunded spending.

Annual portfolio and CPF balances
Age	Portfolio	OA	SA	MediSave	RA	CPFIS	SRS

How the calculation works

Monthly savings = take-home income − spending. CPF stays separate. Adjust assumptions to compare outcomes.

Choose manual take-home income or enable “Income & tax” to calculate resident employment tax from gross pay. SRS is optional and separate from accessible savings. Other life-event income must still be after tax; non-resident and investment taxes are not modelled.

Questions about FIRE in Singapore?

How much money do I need to retire?

Enter the age you want to retire and the monthly budget you want to fund, in today’s Singapore dollars. The planner checks your accessible portfolio month by month, then shows an estimated funded age and any shortfall. Returns and future policy remain assumptions.

Can I retire before CPF payouts begin?

You need accessible money for the intervening years. CPF and SRS balances stay separate until the modelled rules permit withdrawals. CPF LIFE income starts at 65 in this preview.

Is this free, and are my inputs collected?

The calculator is free to use and run as a non-profit personal project. Financial inputs are processed in your browser and are not uploaded by this app. Saving is optional and encrypted.

Read the CPF, SRS and tax guide ↗ · Calculation methods & checks ↗

METHODOLOGY

CPF sources & limits

Official rules reviewed . Forecast assumptions are editable and labelled separately.

For members aged 18–64, retiring by 65. Optional settings cover resident tax, SRS, CPFIS, self cash top-ups, graduated PR rates, self-employed MediSave and verified property-withdrawal scenarios. Each has stated limits. Manual take-home income must already allow for tax and mandatory CPF/MediSave.

Official sources & model limitations

Read the RA reconciliation and model limits ↗

Model limits

The public RA table is reproduced under a credited-interest timing interpretation that CPF has not confirmed. Main projections include accrued interest and can differ from official figures. Prefer an official CPF LIFE estimate; see the calculation checks.
Age boundaries assume your next birthday is in 12 months. Exact transaction timing may differ from official records.
Interest accrues monthly and is credited in December. The approximation excludes current-year accrued interest before the projection start. The current salary is assumed to apply to earlier months of the opening year for the bonus wage ceiling.
CPF LIFE illustrations interpolate 2026 male Standard Plan examples using projected RA at 65. They are not personalised quotes or promises for future cohorts. Payouts are capped at the highest published reference. Use an official payout override where possible.
After LIFE begins, its premium is excluded from account balances. Bequests and post-enrolment extra interest are not projected.
FRS beyond 2027 and BHS beyond 2026 are assumptions. OA 2.5% and SA/MA/RA 4% are held constant for planning.
The main projection uses fixed returns. Optional sequence tests and synthetic Monte Carlo illustrate uncertainty; their results are not calibrated real-world probabilities. Tax uses frozen resident brackets and entered reliefs. SRS uses a separate constant return and new ten-year drawdown window. CPFIS uses a separate constant-return assumption. Non-resident tax, mixed employment/self-employment, platform work, automatic grant eligibility and property sale/refund settlements are not modelled.

Your data & privacy

v2 runs entirely in your browser. Financial inputs are not uploaded or collected by this app. No analytics or advertising trackers.

Once the page and scripts have fully loaded, you can turn off your internet connection and keep calculating in this tab. Reloading or opening links may need internet.

Browser saves require a passphrase and are encrypted. JSON/CSV exports are readable files containing financial details. Hosting providers may process normal page-request metadata.

Clears the current draft, encrypted storage and any older unencrypted v2 saves. Exported files and v1 data are unaffected.

Full privacy notice & disclaimer ↗

Feedback or a calculation issue?

Found a bug or have a suggestion? Email hello@angjiahui.com ↗

Include what you expected and how to reproduce it. Use fictional amounts; please don’t send CPF statements or account details. Opens your email app; nothing is sent automatically.

My portfolio ↗