Financial Tools · Retirement Calculator
Find your retirement number
Enter your age, when you want to stop working, and what you're saving today. We'll project your inflation-adjusted retirement target, whether you're currently on track, and how much more (if anything) to set aside each month.
Why it matters
Time is the one variable you can't get back
A 2025 nationwide sentiment survey found only 58% of people in Singapore say they have a clear idea of how much they'll actually need to retire comfortably, the lowest figure among the markets surveyed in the region, and down sharply from the year before. More than one in five now expect to work past 66. Neither of those has to be your story, but both usually trace back to the same root cause: nobody ran the numbers early enough for compounding to do the heavy lifting.
This calculator does the maths a proper retirement projection actually needs: inflating your desired income to what it'll cost in future dollars, working out a corpus that has to last your full retirement (not just get you to day one), and comparing that against where your current savings rate is actually headed.
Your retirement inputs
Approximate figures are fine. Every assumption below is yours to change.
Pre-filled with the middle-case assumptions we'd use for an average person. All three are yours to change; what you enter here changes the result more than almost anything else on this page.
Investment returns are never guaranteed, and the rates above are assumptions you control, not a prediction or a recommendation. This is an educational projection, not personalised advice.
Common questions
Before you start
Is this calculator giving me investment recommendations?
No. It projects outcomes based on assumptions you choose, like an expected return and inflation rate. It doesn't recommend any specific fund, plan or product. What return rate to actually plan around is exactly the kind of thing worth a real conversation.
What return rate should I use?
That depends on what you're actually invested in. Conservative cash-like instruments and CPF sit at the lower end, a globally diversified portfolio historically sits higher, but higher expected return generally means more short-term ups and downs along the way. If you're unsure, try a few different rates and see how much the outcome moves.
Does this include my CPF?
Not directly; this tool focuses on savings and investments outside CPF. If CPF LIFE payouts are a big part of your retirement plan, it's worth running the CPF calculator alongside this one for the fuller picture.
Why does it ask for a life expectancy?
Your retirement corpus needs to last a certain number of years, not just get you to retirement day. This is a planning assumption you control, a common default is around 85, but you're free to plan more conservatively.
What if the numbers look bad?
That's common, and worth knowing now rather than later. A gap doesn't mean the goal is impossible, it usually means a specific, achievable adjustment: saving a bit more monthly, adjusting the target retirement age, or reviewing where the money is currently invested.
Please note
What this projection is, and isn't
This calculator is general education only. It projects an outcome from the assumptions you enter, it does not predict, promise or guarantee any investment return, and it is not a recommendation to buy, sell or hold any specific product. Actual returns will vary and may be negative in any given year.
Fatin Syarafana is a representative of Prudential Assurance Company Singapore (Pte) Ltd; any recommendations she makes if you follow up are drawn from Prudential's range of products, and you should verify her representative status at prudential.com.sg/fc-info before proceeding. This page has not been reviewed by the Monetary Authority of Singapore.
Next step
A number is a starting point, not a verdict
Whether you're ahead, behind or unsure, a free conversation can turn this into an actual plan.
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