The retirement runway test 🇸🇬

When does the money actually run out?

Most tools tell you a target. This one tells you your runway, the age your savings run dry, and the exact top-up that fixes it.

Open workings
Nothing hidden
Free to use
No sign-up needed
Reply on WhatsApp
Usually the same day

Your numbers

A few quick inputs. Your result updates as you go.

Current age40 yrs
1875
Current liquid assetsCash & investments, not CPF
$
Retirement age65 yrs
5075
Monthly spending when retiredIn today's dollars$3,500/mo
$1k$15k
Intended retirement income from age 65CPF LIFE plus any rental or dividends$1,600/mo
$0$6k

CPF sits here, not in your liquid assets above, so nothing gets counted twice. It's modelled to begin at 65, when CPF LIFE starts.

Fine-tune the assumptions ⌄
Monthly savings until you retire$500
$0$6k
Investment approach
Plan through to age90 yrs
80100
Your result
 
The fix
Income floor from 65
Shortfall when cash is gone
per month, at that age
Savings balanceRuns dry
Free, no obligation

Not sure what these numbers mean for you?

That's exactly what I'm here for.

Send me your figures and I'll reply personally on WhatsApp, usually the same day, to walk you through what they mean and the options for closing your gap.

+65

My no-pressure promise

  • A straight, personal read of your numbers, in plain English
  • No cold calls, no follow-up spam, ever
  • Confidential, and answered around your age and numbers
Free · No obligation · You set the pace

How the numbers are worked out

Nothing hidden. Here is exactly how your runway is calculated.

  • Your pot. We track your current liquid assets, kept separate from CPF so nothing is double-counted.
  • Before you retire. The pot grows at your chosen return and your monthly savings get added each year.
  • After you retire. Your living costs come out each year, and your retirement income, including CPF LIFE from 65, comes in.
  • Inflation. Your spending grows at 3% a year, a blend set slightly above headline inflation because healthcare, the cost that bites most in later years, runs hotter.
  • CPF LIFE. Modelled as level for life from 65. That is the honest bit most tools skip: a flat payout against rising costs quietly loses ground every year.
  • The verdict. We run this year by year and flag the first age your pot hits zero. Not a rule of thumb, your actual runway.
  • The fix. The top-up figure is the estimated smallest extra monthly saving that keeps your pot alive through your plan-to age.

These are estimates for education, not financial advice. Your real numbers depend on your CPF balances, existing cover and actual returns.

Before you fill it in

Why do you need my WhatsApp number?
That's where I reply to talk your numbers through. It is the only thing your number is used for.
Will I get a sales call?
No, not unless I see something in your numbers that genuinely warrants it, and even then only if you're open to it. Otherwise it all stays on WhatsApp, at whatever pace you set.
How is the CPF LIFE figure worked out?
The default assumes roughly $1,600 a month from age 65, in line with the Standard Plan for someone who reaches the Full Retirement Sum. Your actual figure depends on your CPF balances, so treat it as a starting point and adjust the slider to match yours.
What happens to my data?
It is used only to reply to you about your numbers, nothing else. Ask me to delete it any time and it is gone.
One life to live. One life to give.
Estimates use a 3% inflation assumption, a level CPF LIFE figure you can adjust, and a year-by-year simulation of your own balance. For education only, not financial advice or a projection of any specific product. Prepared by Firmin Lee, a MAS-licensed representative of Prudential Assurance Company Singapore. Questions or data removal: your email.