Financial freedom, CPF included.

Most FIRE calculators ignore CPF entirely, or treat it like a magic 401(k). This one models your actual Ordinary, Special/Retirement, and MediSave accounts โ€” contribution rates, allocation by age, the Special Account closure at 55, and an honest CPF LIFE payout estimate โ€” alongside the cash and investments you actually control.

2026 CPF rates OA / SA / RA / MA modelled CPF LIFE payout estimate Bridge-to-65 gap shown Rental income tax modelled
Built for Singapore Citizens and Permanent Residents with standard CPF contributions. On an Employment Pass / S Pass with no CPF? Pick Employment Pass / S Pass (no CPF) below โ€” everything stays in Singapore dollars and we simply run your plan without CPF.

Your numbers

Everything recalculates live. Figures are in today's dollars.

Used to work out your CPF contribution and allocation rates, which change with age, and how many years are left to preservation age.
CPF contributions apply up to the $8,000/month Ordinary Wage ceiling (2026) โ€” anything above that isn't CPF-contributable. Type an exact figure if needed.
Grows at 2.5%/year. Can be used for housing or education, but we treat it as retirement savings here.
Special Account (SA) if under 55. If you're 55+, this is your Retirement Account (RA) โ€” SA closed for everyone in Jan 2025.
Grows at 4%/year. Covers healthcare costs like MediShield Life premiums and hospital bills โ€” not spendable like OA/RA.
What you can access anytime โ€” this is what actually funds your life before CPF becomes available.
Cash you invest outside CPF each month โ€” brokerage, robo-advisor, unit trusts, etc.
Goes to SA (if under 55) or RA (if 55+). Real scheme gives tax relief up to $8,000/yr โ€” modelled here as extra compounding, not a tax calculator.
If you own a rental property, enter the gross monthly rent you collect. We apply IRAS's 15% deemed expense deduction, then stack the rest on top of your salary through Singapore's progressive resident tax brackets to estimate the real after-tax amount.
What you expect to actually spend per year once retired, in today's dollars.
Higher stock allocation means higher expected growth but a bumpier ride โ€” applies to your non-CPF liquid portfolio.
How much of your liquid portfolio you draw down each year in retirement. Lower % is more conservative, higher % is more aggressive.
"Real" means after inflation, so these figures are in today's dollars. Historical reflects long-run market history and is what most FIRE calculators assume — but it sits at the optimistic end of what forecasters currently expect. Cautious tests whether your plan still works if the next thirty years are worse than the last hundred. If your date moves a lot between these, that gap is your real exposure to market risk.

What this means for you

CPF is locked until 55 (partial) and CPF LIFE payouts don't start until 65 โ€” so your real "quit date" depends on your liquid portfolio, not your CPF balance.

Includes the balances you should hit each year, so you can check yourself against it later. Generated in your browser — nothing is uploaded.
Years to liquid financial independence?How many more years until your money could support you for life. Your cash and investments have to cover you alone until CPF unlocks โ€” that stretch usually decides the date.
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Based on your cash/investments alone โ€” the part of your money you can actually access before 55.
Liquid FIRE number?The pot you'd need outside CPF to live off withdrawals alone, ignoring CPF entirely. Shown for comparison โ€” your real date above also counts CPF.
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Target annual spending รท your chosen withdrawal rate.
Bridge years (FI โ†’ age 65)?The gap between stopping work and CPF LIFE payouts starting at 65. Your own savings must cover every year in this gap.
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Years your liquid portfolio must fund alone before CPF LIFE kicks in.
Projected RA/SA balance at 55?At 55 CPF moves your Special Account into a Retirement Account and sets aside a retirement sum. This is the projected amount set aside.
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vs. 2026 Retirement Sum tiers
Projected CPF balance at 65?Everything across your CPF accounts at 65 โ€” but most of it pays out as a monthly income, not a lump sum.
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OA + RA + MA combined
Estimated CPF LIFE payout from age 65?CPF LIFE pays you a fixed amount every month for life from 65. The bigger your Retirement Account at 55, the bigger this is.
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Standard Plan, interpolated from CPF's published 2026 payout benchmarks โ€” not an official figure.
Note on this estimate: CPF and pension balances are projected deterministically. Your liquid portfolio is shown as a single midpoint line, not a probability range. Use the main calculator for a full Monte Carlo stress test (returns in different market conditions).

Planning as a couple? Switch to Me and my partner at the top. CPF accounts, Retirement Sums and CPF LIFE payouts stay individual โ€” a couple has two of everything โ€” but the tool will model both of you together, including one partner retiring before the other.

Your CPF: locked, compounding, low risk

Ordinary, Special/Retirement, and MediSave accounts stacked together โ€” this money isn't accessible on your own schedule.

CPF Ordinary Account CPF Special/Retirement Account CPF MediSave

Your liquid portfolio: what you actually control

Cash and non-CPF investments โ€” this is what has to fund your life between "financial independence" and age 65.

Liquid portfolio (non-CPF)
How we calculated this (2026 CPF figures, and where we simplified)

Contribution & allocation rates

We use the 2026 Ordinary Wage ceiling of $8,000/month and CPF's published age-banded allocation percentages (share of wage going to OA / SA-RA / MA), which shift as you age โ€” roughly 23/6/8% under 35, down to 15/11.5/10.5% at 51โ€“55. For ages above 60 we use simplified, lower-confidence estimates since CPF's published tables get sparser there โ€” check your own CPF Statement for exact figures at that stage.

Interest rates

OA at the 2.5% floor, SA/MA/RA at the 4% floor (extended through end of 2026), plus extra interest on your first $60,000 combined balance (1% under 55; 2% on the first $30,000 and 1% on the next $30,000 from 55). We split extra interest proportionally across accounts as an approximation of CPF's actual OA-first allocation order.

Special Account closure at 55

Since January 2025, everyone's Special Account closes at 55. Your SA savings move into a new Retirement Account up to the Full Retirement Sum (FRS); anything above that spills into your OA, where it stays withdrawable. We model that exact mechanic.

2026 Retirement Sums & CPF LIFE payouts

For members turning 55 in 2026: Basic Retirement Sum $110,200 (~$950/month from 65), Full Retirement Sum $220,400 (~$1,780/month), Enhanced Retirement Sum $440,800 (~$3,440/month), all Standard Plan estimates. We linearly interpolate/extrapolate your projected payout from these three published reference points โ€” your real payout depends on the CPF LIFE plan you choose and prevailing rates at 65.

Rental income tax

Singapore doesn't have a special flat rate for rental income โ€” it's simply added to your other chargeable income (like salary) and taxed at ordinary progressive resident rates, which run from 0% on the first $20,000 up to 24% above $1,000,000. We apply IRAS's 15% deemed expense deduction (covering property tax, mortgage interest, repairs, insurance, and agent's fees without needing receipts) to get your taxable rental amount, then compute the marginal tax it adds on top of your salary โ€” since tax brackets are layered, the same rental income costs more in tax the higher your salary already is. We don't model claiming actual (non-deemed) expenses, which can be higher or lower than the 15% deemed figure depending on your mortgage.

Return assumptions, and a correction we made

We model portfolio growth at 7% real for equities and 2.5% real for bonds — "real" meaning after inflation, so every figure on this page is genuinely in today's money.

What changed: this calculator previously used 7% and 3% nominal returns while holding your retirement spending flat at the figure you entered, and still described the results as being in today's dollars. That combination was internally inconsistent: if growth is nominal, spending has to rise with inflation too. We have aligned this page with our main calculator's real-return assumptions. The effect on your date is modest — roughly 0.1 to 1.2 years later depending on your settings, with the largest change for bond-heavy allocations, since only the bond figure moved.

What we have not resolved: whether 7% real for equities is itself too optimistic. It sits at the upper end of current long-run expectations. We would rather show you the assumption plainly than defend a single number, so the Expected real investment returns selector above lets you re-run everything at 6% / 2% or 5% / 1.5%. If your date moves a lot between those settings, that gap is your real exposure to market risk.

What we didn't model

Annual Wage (bonus) CPF ceiling, employer CPF for wages above $8,000 in ways beyond the ceiling, SRS accounts and their tax relief (contributions are 15% of a $102,000 income base for Citizens/PRs, giving a $15,300/year cap โ€” but 35% for foreigners, so up to $35,700/year, which makes SRS a far larger lever for EP and S Pass holders than for locals), housing withdrawals from OA, and self-employed MediSave contribution formulas (based on net trade income bands, not modelled here โ€” self-employed users should use the voluntary top-up slider to approximate their own MediSave contributions). CPF balances are projected deterministically (CPF pays a fixed rate, so there's no market risk to simulate). Your non-CPF liquid portfolio, however, is also shown as a single deterministic growth line here for simplicity โ€” it does not run the full Monte Carlo range-of-outcomes simulation our main calculator uses, so treat the "years to liquid FI" figure as a rough midpoint estimate, not a probability-weighted one.

Sources

CPF Board (cpf.gov.sg) published rates and news releases for 2026; IRAS (iras.gov.sg) individual income tax rates and the rental expense simplification e-Tax Guide; cross-checked against Endowus, DollarsAndSense, and GrowBeansprout coverage of the same figures. Educational estimates only โ€” always verify against your own CPF Statement and cpf.gov.sg/iras.gov.sg before making decisions.