Put in your salary and monthly spending, and watch your cash, CPF and investments projected year by year to age 70. Tweak one slider and the whole retirement picture moves. Free, no account, and the maths runs entirely in your browser.
CPF comes off the salary automatically: 20% from you and 17% from your employer by default, on the first S$8,000 a month. Both land in the CPF line of the projection, and you can change the rates under assumptions.
The investment return is yours to choose, it is an assumption rather than a promise, and real returns swing around any average. 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 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.
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 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 saved plans live in this browser's own storage on your device, so running a projection uploads 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.