Educational tool only. This calculator provides illustrative projections and does not constitute financial advice under the Financial Advisers Act (Cap. 110). Past performance is not indicative of future results.
Answer a few quick questions and get your personalised retirement report — your Freedom Number, your funding gap, and exactly what it costs every year you wait.
"I thought saving $1,200 a month was enough. Turns out I had a $580K gap and had no idea. Knowing the number changed everything for me."
J
Jun Wei, 38
Tampines · Senior Manager
★★★★★
🔒 No sign-up required📊 Real SG numbers🆓 100% free
Question 1 of 520%
🎯
Your Retirement Goal
Set your current age and your target retirement age
Current Age
35yrs
2260
Target Retirement Age
🎯 Standard Retirement
62yrs
4570
Years to retirement27 years
📈
What You're Saving Monthly
Monthly amount set aside for retirement — stocks, ETFs, unit trusts, endowments, savings plans. Exclude CPF contributions.
Monthly Investment
$500
$0$10,000+
🏦
Savings & Investments Today
Current value of stocks, unit trusts, endowments, fixed deposits earmarked for retirement. Exclude your CPF balance.
Total Saved So Far
$50K
$0$1M+
🌟
Retirement Lifestyle
What monthly spending do you want in retirement? In today's dollars.
⚙️
Investment Assumptions
Pre-filled with conservative Singapore defaults from MoneySense. Adjust to match your portfolio.
Enter your details to unlock your exact Freedom Number, funding gap breakdown, year-by-year projection, and a personalised action plan — delivered to your inbox.
💰 Your exact Freedom Number — the portfolio you need to retire
📈 Full wealth projection — year by year to age 90
⚡ What each year of delay costs you — in today's dollars
💡 I've thought about it but haven't really planned yet
📋 I have some savings but not sure if it's enough
🔍 Just curious — exploring my options
By submitting, you confirm you are at least 18 years old and a Singapore resident or PR. Data is handled in compliance with the PDPA (Singapore). You may request access to or correction of your personal data at any time.
🔒 Your details are used solely to arrange your complimentary consultation. We do not share your data with third parties.
Your Freedom Number
$●●●,●●●
Based on your inputs — unlock to reveal
Monthly needed
$●,●●●
Gap to bridge
$●●●K
💰
Unlock your Freedom Number
The exact portfolio you need — and your monthly savings target to get there.
📈 Wealth Projection (to age 90)
📈
See your year-by-year projection
Your portfolio growth — current path vs an optimised action plan.
⏰ Cost of Waiting
Start today
$X,XXX
+1 year
$X,XXX
+2 years
$X,XXX
Every year you delay, the gap grows.
⏰
What does waiting 1 year cost you?
The exact extra gap that builds for every year you delay.
📊 Your Full Report Is Ready
See your complete picture.
✓ Your exact Freedom Number revealed
✓ Full wealth projection chart (to age 90)
✓ What each year of delay costs you
✓ Personalised strategy to close your gap
Free. No obligation. A qualified adviser may follow up by email.
🔓
Full Report Unlocked
Check your inbox — we'll follow up shortly.
YOUR RETIREMENT READINESS
0%funded
—
YOUR FREEDOM NUMBER
$0
Private savings target to fund your full retirement lifestyle — CPF LIFE, property and other income are not deducted here
Net monthly lifestyle to fund—
Current savings (compounded at 4%)—
Monthly contributions future value—
Gap to close—
📊
Your Funding Gap
Based on your private savings — not financial advice
This estimate uses your private savings only. Your CPF balance, property, and other income sources are not factored in here — a full picture with an adviser will look different.
ESTIMATED FUNDING GAP (PRIVATE SAVINGS ONLY)
$0
between your projected savings and your target
Retirement target—
Projected private savings at retirement—
Currently funded (private savings)—
📈 Wealth Projection (to age 90)
Current Plan
Optimised Plan
Freedom Number
🎯
Gap Breakdown
Your current path vs what you need
💰 Current savings today—
📈 Projected at retirement—
🎯 Your Freedom Number—
⚠️ Remaining gap—
⏰
Cost of Waiting
Every year matters — see how your funding gap changes
—
★★★★★
"The calculator gave me a number I couldn't ignore. Once I saw the gap, I finally took action — and closed it faster than I thought possible."
L
Liying, 41
Bukit Timah · Finance Director
📅 Your Next Step
Want help closing your gap?
These projections are based on the numbers you provided. A short conversation can help you build a complete plan — factoring in your CPF, property, and full financial picture.
No hard selling. A qualified adviser will reach out by email.
📩
Request your free consultation
Leave your name and email — a qualified adviser will reach out within 1 business day.
🔒 Your details are used solely for this consultation request. PDPA compliant.
Your retirement report is ready.
Don't leave without knowing your number.