Retirement Sufficiency Calculator

Will your CPF, SRS, savings & investments last through retirement?

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Profile

Current age {{ currentAge }}

Gender

Male

Female

Desired retirement age {{ retirementAge }}

Life expectancy {{ lifeExpectancy }}

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Expected investment return {{ investmentReturn }}%

Expected salary growth {{ salaryGrowthRate }}%

CPF balances are informational — payouts modelled via CPF LIFE monthly

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Inflation rate {{ inflationRate }}%

One-time expenses

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{{ isSufficient ? 'Surplus at ' + resultLifeExpectancy : 'Shortfall at ' + resultLifeExpectancy }}

Money Lasts Until

{{ moneyLastsUntilAge >= resultLifeExpectancy ? 'Age ' + resultLifeExpectancy + '+' : 'Age ' + moneyLastsUntilAge }}

Total Retirement Income

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Cumulative Savings

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Year-by-Year Cashflow

Age	CPF LIFE	SRS	Other	Investment	Expenses	Net	Balance
{{ row.age }}	{{ fmt(disp(row.incomeSources.cpfLife, row.age)) }}	{{ fmt(disp(row.incomeSources.srs, row.age)) }}	{{ fmt(disp(row.incomeSources.other, row.age)) }}	{{ fmt(disp(row.incomeSources.investment, row.age)) }}	{{ fmt(disp(row.expenses.living + row.expenses.oneTime, row.age)) }}	{{ fmt(disp(row.net, row.age)) }}	{{ fmt(disp(row.cumulativeBalance, row.age)) }}

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Sensitivity — Surplus / Shortfall

Expenses ↓ / Return →
{{ (sensitivity.expenseDeltas[i] >= 0 ? '+' : '') + (sensitivity.expenseDeltas[i] * 100) }}%

Earliest Retirement Age

{{ earliestRetirementAge != null ? 'Age ' + earliestRetirementAge : 'Not by ' + resultLifeExpectancy }}

Years Until Retirement

Add'l Savings to Retire at 62

{{ savingsToRetireAt62 != null ? fmt(savingsToRetireAt62) + '/mo' : 'N/A' }}

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Projected Savings

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Gap Analysis by Target Age

Target Age	Add'l Monthly Savings Needed	Shortfall at Current Plan
{{ g.targetAge }}	{{ g.monthlySavingsNeeded === 0 ? 'On track' : (g.monthlySavingsNeeded == null ? 'Not feasible' : fmt(g.monthlySavingsNeeded) + '/mo') }}	{{ g.shortfall > 0 ? fmt(g.shortfall) : '—' }}