Retirement Income Planner

Financial Independence & Retirement Engine

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1
Dashboard Overview
Income Breakdown by Source (PV)
Net Asset Value Over Time (PV)
2
Goal Planning
Core Assumptions
Legacy / Bequest Goal (optional)

Optional bequest target. Used by the πŸ₯š Target Nest Egg solver further down.

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3
SRS & CPF Planning
4
Income Buckets
5
Target Nest Egg & Goal Seek
Target Nest Egg & Goal Seek
Nest Egg Solver β€” Allocation Split
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Total must sum to 100%. Bucket payout/growth/drawdown rates are taken from your current Income Buckets settings.

Primary: Solve the portfolio you need now that all income buckets are set. This generates a comparison across all allocation profiles.
Asset Allocation (Target Nest Egg) β€” total auto-fills into Income Buckets 1, 2 & 3
Target Nest Egg (FV) = Stock + Bond + Cash
Income Smoothing Optimizer
Proposes 3 plans for 10, 15, or 20-year horizons β€” by tuning Cash/Stock/Bond/SRS drawdown rates and SRS start age at the lowest capital. Choose which objective matters more to you.
Target mode guarantees income at-or-above your Target Monthly Income (e.g. $10K) in every year, capped at +15% overshoot β€” costlier plans, full lifestyle. Floor mode guarantees only the Income Floor (e.g. $3K basic necessities), letting income approach Target where affordable β€” cheaper plans, bare-minimum security.
Other Variables to Solve (each sets monthly surplus to $0)
Holding my Target Nest Egg fixed (based on the allocation preset chosen above), what value of each variable makes my accumulation exactly fund it? All four auto-calculate below.
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Projections
Year-by-Year Income Projection (Monthly, PV)
Net Asset Value Over Time (PV)
Detailed Projection Table (PV)
What If β€” Allocation & Drawdown

Adjust target allocation and drawdown rates below to compare against your Base Case. Changes here don't affect your saved inputs.

Base vs What If (PV)
Comparison Summary
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CPF LIFE Payout Estimator
Your CPF LIFE Scenario

Enter your projected savings at age 55 to estimate CPF LIFE monthly payouts under the Standard Plan. Payouts are per person. Based on CPF reference data for members turning 65 in 2035.

Estimated Monthly Payouts
PV & FV Payout Schedule (Age 65–90)

FV = fixed nominal payout from CPF LIFE (same amount every month for life). PV = today's purchasing power, eroding each year as inflation reduces the real value of the fixed payout.

CPF LIFE Reference Table (Standard Plan, by Current Age)

Projected BRS, FRS, ERS and estimated monthly payouts based on 3.5% annual growth in retirement sums from 2025 base. Payouts start at age 65.

CPF Allocation Rates (from 1 January 2026)

Private Sector / Non-Pensionable Employees. Shows what portion of total CPF contribution goes to each account.

Employee's AgeOrdinary AccountSpecial/Retirement AccountMediSave Account
35 & below62.17%16.21%21.62%
Above 35 – 4556.77%18.91%24.32%
Above 45 – 5051.36%21.62%27.02%
Above 50 – 5540.55%31.08%28.37%
Above 55 – 6035.30%33.82% (RA)30.88%
Above 60 – 6514.00%44.00% (RA)42.00%
Above 65 – 706.07%30.30% (RA)63.63%
Above 708.00%8.00% (RA)84.00%

Source: CPF Board. For ages 55+, SA contributions go to Retirement Account (RA) up to FRS. Monthly salary ceiling: $8,000 from Jan 2026.

CPF Contribution Calculator 2026 RATES

Calculate your monthly CPF contribution split across Ordinary (OA), Special/Retirement (SA/RA) and MediSave (MA) accounts. Ordinary Wage ceiling: $8,000/mo from Jan 2026.

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Take-Home Calculation
Monthly Allocation Breakdown
All Age Bands β€” 2026 Rates
Age BandEmployeeEmployerTotalOASA / RAMA

OW ceiling $8,000/mo from Jan 2026 • Annual ceiling $102,000 • SA closed at age 55; SA allocation redirected to RA up to FRS ($220,400) • Source: CPF Board 2026.

FIRE RETIREMENT PLANNER • FOR ILLUSTRATION PURPOSES ONLY • NOT FINANCIAL ADVICE