Retirement Planning
Project the lump sum needed at retirement, CPF Life payouts, and the monthly savings required to close any funding gap — tailored to your client's lifestyle and goals.
Personal Information
Client details and retirement target
Turns 55 in 2046
CPF LIFE payouts start from age 65–70
% per annum
Income & Lifestyle
Current income and retirement lifestyle preference
Luxurious=1.2x, Comfortable=1.0x, Frugal=0.75x, Uncomfortable=0.5x
BRS = Basic, FRS = Full, ERS = Enhanced Retirement Sum
Existing Resources at Retirement
Investable assets and passive income you expect to have by retirement
Investable Assets
Stocks, unit trusts, ETFs, etc.
Monthly Passive Income at Retirement
Net monthly rent received
Monthly average from portfolio
Private annuity payouts
Royalties, business income, etc.
% p.a. assumed growth on lump sum during retirement
Investment Portfolio Projection
Project a lump sum investment to its future value at retirement
% p.a. — select from 2% to 15%
Age 35 → 65
Projected at Retirement
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CPF Full Retirement Sum
Compare current CPF against projected FRS at age 55
Ordinary Account balance
Special Account balance
Aligns with recent CPF Board announced increases.
Client turns 55 in 2046 — FRS projected from 2027
FRS Result
Fill in your CPF balances and birth year,
then hit Calculate.