Financial Independence & Retirement Engine
Three approaches to estimate the portfolio you need. The Optimised approach (from your actual Asset Allocation below) should aim to beat the 4% Rule.
Set your target allocation across the 3 main buckets. These values auto-fill into Income Buckets 1, 2 & 3.
Select one variable to solve for. The solver finds the value that makes your monthly surplus exactly zero, holding everything else constant.
Adjust target allocation and drawdown rates below to compare against your Base Case. Changes here don't affect your saved inputs.
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.
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.
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.
Private Sector / Non-Pensionable Employees. Shows what portion of total CPF contribution goes to each account.
| Employee's Age | Ordinary Account | Special/Retirement Account | MediSave Account |
|---|---|---|---|
| 35 & below | 62.17% | 16.21% | 21.62% |
| Above 35 – 45 | 56.77% | 18.91% | 24.32% |
| Above 45 – 50 | 51.36% | 21.62% | 27.02% |
| Above 50 – 55 | 40.55% | 31.08% | 28.37% |
| Above 55 – 60 | 35.30% | 33.82% (RA) | 30.88% |
| Above 60 – 65 | 14.00% | 44.00% (RA) | 42.00% |
| Above 65 – 70 | 6.07% | 30.30% (RA) | 63.63% |
| Above 70 | 8.00% | 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.