Your CPF, taxes and savings — projected to 65, answered straight. Three inputs to start; sharpen with more if you want.
CPF 2026 rates, by age¹IRAS income tax⁵Wage growth that plateaus⁴CPF LIFE estimate¹MAS protection benchmarks²
✓ Built for An honest first look, fast No login, no email wall Every assumption shown below
⚠ Honest limits Estimates — not advice Returns assumed, not guaranteed It doesn't know your spending or housing — a conversation does
Your age35
Gross monthly salary$6,000
The monthly income you want in retirement (today's dollars — tiers scale with your take-home)
▸ What you've set aside — optionalblank = assumed $0, and we say so
Your monthly income at 65 — in today's dollars
■ CPF LIFE¹ ■ your savings⁶ ■ gap
You want—
CPF LIFE, for life1—
From your savings, to age 906—
Gap, every month—
WHAT WE TOOK INTO ACCOUNT — TAP EACH TO SEE THE MODEL
The good news — this gap is closable6
Investing — regularly from today closes your — gap by 65.
Wait five years and the same gap costs more every month — starting now is the discount.
start now—
wait 5 years—
The other half of okay — protection2
MAS/MoneySense basic financial planning guidance, sized to your gross income:
—
life & TPD cover · 9× annual income2
—
critical illness cover · 4× annual income2
Singapore workers hold about $1 of every $4 of critical-illness cover needed3
Know your MediSave and Integrated Shield Plan: premiums rise with age — review affordability and adjust before it bites. Budget guide: at most ~15% of take-home on protection.2
Sharpen your number — monthly investing, returns, wage growth
Closing it — how I'd help
↗
Invest regularly, from now
a plan sized to your —
∞
Income that pays for life
so the paycheck doesn't stop at 65
⛨
Protect the plan
cover the 9× / 4× benchmarks2
CPF top-ups and adjusting your target belong in the conversation too — we look at everything, in your interest.
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Every assumption, shown
All figures are in today's dollars — growth rates are real (net of 2% assumed inflation), so every number buys what it buys today.
Wages: your salary follows MOM's income-by-age profile⁴ — about +4.9%/yr (late 20s), +2.7%/yr (early 30s), +1.5%/yr (late 30s), flat from your mid-40s (cross-section declines past 45 are cohort effects, so we floor at 0%). Toggle to 0% throughout in "sharpen". CPF: 2026 contribution rates by age band (≤55: 37%, 55–60: 34%, 60–65: 25%) on wages up to $8,000/mo; allocated MediSave-first (capped at the $79,000 Basic Healthcare Sum, overflow to Special), then Special, remainder Ordinary.¹ Interest: Special/MediSave/Retirement 4% nominal (2% real), Ordinary 2.5% nominal (0.5% real); we ignore the extra 1% on the first $60k — your real number is slightly better. At 55: your Retirement Account is formed from Special then Ordinary savings up to the Full Retirement Sum ($220,400 for the 2026 cohort, held constant in real terms). Contributions after 55 are counted toward your withdrawable savings, not CPF LIFE — conservative. CPF LIFE: estimated payout from 65 by interpolating the CPF Board's published Standard Plan figures (about $75/month per $10,000 in your RA at 55, anchored at $950 / $1,780 / $3,440 for BRS / FRS / ERS).¹ An estimate, not a guarantee. Your savings: entered CPF balances split 50/50 Ordinary/Special; cash and investments grow at your chosen real return (default 3%, ≈5% nominal); drawdown is a 25-year annuity from 65 to 90 at 3% real. CPF Ordinary savings — and CPF inflows after 55 (which land in OA once your RA is full) — are excluded from retirement income by default, because most people's OA services their home. If yours doesn't, switch it on in "sharpen" and your picture improves. Tax: IRAS resident rates (YA 2026), with employee CPF relief and the $1,000 earned-income relief; other reliefs ignored, so your real take-home may be slightly higher.⁵ Protection: benchmarks are 9× / 4× of gross annual income per the MoneySense Basic Financial Planning Guide.²
Config verified 11 June 2026 against the sources below. The 2027 CPF changes (higher 55–70 rates, FRS $228,200) are already announced — this tool will be updated.
SOURCES
¹ CPF Board — contribution & allocation rates (1 Jan 2026); Basic Healthcare Sum 2026; retirement sums & CPF LIFE Standard Plan estimates, 2026 cohort (not guaranteed)
³ Life Insurance Association Singapore — Protection Gap Study 2022 (74% critical-illness protection gap)
⁴ Ministry of Manpower — Labour Force in Singapore 2025, median gross income by age (Table C3)
⁵ IRAS — resident income tax rates, YA 2026; Earned Income & CPF reliefs
⁶ Money Methods illustration — real returns net of 2% inflation (default 3% real ≈ 5% nominal), compounded monthly, excludes fees; not a projection or guarantee