Retirement Adequacy Calculator Singapore 2026
Calculate how much retirement savings you need in Singapore and whether your current monthly savings are enough. Accounts for inflation, investment returns, and years in retirement.
$
%
% p.a.
% p.a.
% p.a.
$
Monthly Expenses at Retirement (age 65)$4,405
Retirement Corpus NeededS$1.01M
Current Savings at Age 65S$216K
Additional Corpus NeededS$791K
Monthly Savings Needed$950
Assumes CPF LIFE payouts and other income sources supplement your savings. The retirement ratio is the fraction of current expenses you expect to spend in retirement.
The 4% Rule in a Singapore Context
The global “4% rule” says you can withdraw 4% of your portfolio per year in retirement without depleting it over 30 years. In Singapore, with CPF LIFE covering basic expenses, you may only need to withdraw 3–4% from personal savings. The key is that CPF LIFE reduces your drawdown need, making your personal savings go further.