Put in your salary and spending, and watch your cash, CPF and investments projected year by year to 70.
The investment return is yours to choose, it is an assumption rather than a promise. The 8% default sits below the S&P 500's long-run average of about 10% a year before inflation, and past results never guarantee future ones: real returns swing around any average and can be negative for years. Spending inflation is counted separately, so enter the return before inflation. Savings sit in cash until the emergency fund holds this many months of spending, then the overflow invests.
Defaults are the age-55-and-below employee rates and the 2026 monthly ceiling. CPF is modelled as one pot at one rate: the real scheme splits accounts, pays at least 2.5% on Ordinary and 4% on Special savings, adds extra interest on the first S$60,000, and this simulator does not model withdrawals, housing payments or the Retirement Account. Check cpf.gov.sg for the current rules.
Everything a month of your work puts in: the S$4,500 you are paid, including the CPF that comes off before you see it, plus what your employer adds to your CPF on top.
What the S$9,023,710 projected to be invested at 70 earns in a month, leaving the pot itself untouched.
Both figures are priced at 2.5% a year, the rate this simulator assumes once the money moves out of growth assets and into something lower-risk. Living off the earnings pays less each month than spending the pot down, and it does not end: the pot is still there at any age, and still there to leave behind. Keeping the money invested at your 8% assumption instead would imply a bigger figure and keep full market risk on the money you are living off. These are assumptions you can change above, rates on any holding move, and CPF payouts would come on top of this.
A projection of the numbers and assumptions you entered, not a forecast and not advice. Hover or tap the chart for the figures at each age; the full table is below.
| Age | CPF | Cash | Invested | Net worth |
|---|---|---|---|---|
| 26 | 20,208 | 13,680 | 0 | 33,888 |
| 27 | 41,527 | 15,055 | 13,431 | 70,014 |
| 28 | 64,004 | 15,356 | 29,848 | 109,208 |
| 29 | 87,686 | 15,663 | 48,359 | 151,708 |
| 30 | 112,622 | 15,977 | 69,163 | 197,762 |
| 31 | 138,864 | 16,296 | 92,473 | 247,634 |
| 32 | 166,465 | 16,622 | 118,523 | 301,611 |
| 33 | 195,480 | 16,955 | 147,565 | 359,999 |
| 34 | 225,966 | 17,294 | 179,871 | 423,131 |
| 35 | 257,982 | 17,640 | 215,739 | 491,360 |
| 36 | 291,589 | 17,992 | 255,490 | 565,072 |
| 37 | 326,851 | 18,352 | 299,473 | 644,676 |
| 38 | 363,834 | 18,719 | 348,065 | 730,618 |
| 39 | 402,606 | 19,094 | 401,674 | 823,374 |
| 40 | 443,237 | 19,476 | 460,746 | 923,459 |
| 41 | 485,802 | 19,865 | 525,759 | 1,031,425 |
| 42 | 530,374 | 20,262 | 597,233 | 1,147,870 |
| 43 | 577,034 | 20,668 | 675,732 | 1,273,434 |
| 44 | 625,863 | 21,081 | 761,865 | 1,408,809 |
| 45 | 676,944 | 21,503 | 856,292 | 1,554,739 |
| 46 | 729,793 | 21,933 | 960,045 | 1,711,770 |
| 47 | 783,963 | 22,371 | 1,074,211 | 1,880,546 |
| 48 | 839,487 | 22,819 | 1,199,697 | 2,062,003 |
| 49 | 896,400 | 23,275 | 1,337,483 | 2,257,158 |
| 50 | 954,735 | 23,741 | 1,488,630 | 2,467,105 |
| 51 | 1,014,528 | 24,215 | 1,654,287 | 2,693,030 |
| 52 | 1,075,817 | 24,700 | 1,835,697 | 2,936,213 |
| 53 | 1,138,637 | 25,194 | 2,034,206 | 3,198,037 |
| 54 | 1,203,028 | 25,698 | 2,251,269 | 3,479,995 |
| 55 | 1,269,029 | 26,211 | 2,488,463 | 3,783,703 |
| 56 | 1,336,680 | 26,736 | 2,747,489 | 4,110,905 |
| 57 | 1,406,022 | 27,270 | 3,030,193 | 4,463,486 |
| 58 | 1,477,098 | 27,816 | 3,338,568 | 4,843,483 |
| 59 | 1,549,951 | 28,372 | 3,674,772 | 5,253,095 |
| 60 | 1,624,625 | 28,940 | 4,041,135 | 5,694,700 |
| 61 | 1,701,166 | 29,518 | 4,440,182 | 6,170,866 |
| 62 | 1,779,620 | 30,109 | 4,874,640 | 6,684,368 |
| 63 | 1,860,036 | 30,711 | 5,347,459 | 7,238,205 |
| 64 | 1,942,462 | 31,325 | 5,861,828 | 7,835,615 |
| 65 | 2,026,948 | 31,952 | 6,421,197 | 8,480,097 |
| 66 | 2,077,622 | 31,952 | 6,867,355 | 8,976,929 |
| 67 | 2,129,563 | 31,952 | 7,347,855 | 9,509,369 |
| 68 | 2,182,802 | 31,952 | 7,865,416 | 10,080,170 |
| 69 | 2,237,372 | 31,952 | 8,422,978 | 10,692,301 |
| 70 | 2,293,306 | 31,952 | 9,023,710 | 11,348,968 |
Your figures stay in this browser while you work. Close the page and the projection goes with it, so have the plan emailed to you and it is yours to come back to.
We will email you this plan, your month and the projection to 70, and occasional investing updates. Unsubscribe any time. See our privacy notice.
It takes one ordinary month, your salary, your side income and where the money goes, and plays it forward a year at a time until age 70. Savings build a cash emergency fund first, the overflow goes into investments at a return you choose, and CPF contributions accumulate alongside, so you can see how the three could stack up by the time work stops. It is the retirement spreadsheet many people mean to build one day, already built, free and without an account.
For most employees aged 55 and below, 20% of each month's salary goes to CPF from your side and your employer adds another 17%, applied to the first S$8,000 of monthly wages from January 2026. That is 37% of salary building quietly in the background, which is why the CPF band in the chart is often bigger than people expect. The simulator uses one blended interest rate you can set; the real scheme pays at least 2.5% on Ordinary Account and 4% on Special Account savings, with extra interest on the first S$60,000. The CPF Board's current rules always take precedence over any calculator.
Only what you tell it. The return is an assumption you set yourself, applied as steady compounding, and that is the simulator's biggest simplification: real markets swing around any average and can lose money over long stretches. The default of 8% a year sits below the S&P 500's long-run average of about 10% before inflation, and because the simulator inflates your spending separately, the return you enter should be the before-inflation figure. From age 70 the monthly draw is priced at a separate, lower rate, 2.5% by default, on the assumption that money you are living off has moved out of growth assets by then. The projection shows what your chosen assumptions imply, it does not predict what markets will do, and it is not financial advice or a recommendation of any product.
The maths runs in your browser and nothing is written to your device, so running a projection uploads nothing and stores nothing. Emailing yourself the plan is the one exception, and you opt into it: the plan travels with your address so we can send it to your inbox, where it survives any browser. Our analytics record that a projection was run, never what was in it.
The simulator shows where the road goes. The First $10k guide is about actually walking it: the saving habits and the setup, in plain English.