By MoneyBees
Find your Financial Independence number, project your nest egg, and see how many years until you can retire on your own terms.
Multiply annual expenses by 25 (or divide by 4%) to get your Financial Independence number — the portfolio size that can safely sustain your spending for 30+ years. Based on the Trinity Study of historical US market returns.
Depends on your annual expenses. S$48,000/year of expenses at a 4% withdrawal rate requires S$1.2M. With the CPF LIFE Full Retirement Sum providing ~S$1,780/month from age 65 (2026 cohort, Standard plan), your private portfolio target drops by about S$534,000.
4% works for 30-year retirements per the Trinity Study. For FIRE retirees with 40 – 50 year horizons, conservative planners use 3% – 3.5% to add a safety margin against sequence-of-returns risk and lower forward returns.
Yes, optionally. Toggle 'Include CPF LIFE payouts' and enter your expected monthly payout (Full Retirement Sum ≈ S$1,780, Enhanced Retirement Sum ≈ S$3,440 for the 2026 cohort, Standard plan). The FI target your private portfolio needs to fund drops by the annualised CPF LIFE income.
Approximately 50% – 65% of take-home pay. The exact math depends on your return assumption — at 7% real, a 55% savings rate gives roughly 16 years to FI; 65% gives about 11 years.
Coast FIRE means you've invested enough early that it will compound to your FI number by normal retirement age without adding another dollar — you only need to cover current expenses. Barista FIRE means you semi-retire and let part-time income bridge the gap before full financial independence.
Yes. CPF LIFE is a guaranteed income floor from age 65, so your private portfolio only has to fund your expenses minus the CPF LIFE payout. At the FRS that is roughly S$1,780/month and at the ERS about S$3,440/month (2026 cohort, Standard). Turn on the CPF LIFE toggle to model it.
The danger that poor market returns early in retirement permanently shrink a portfolio you're already drawing down. Common mitigations: a lower withdrawal rate (3 – 3.5%), a 1 – 3 year cash buffer, or cutting spending in down years.
Generally no. Your home doesn't produce spendable income unless you sell, rent out a room, or right-size, so most Singapore FIRE planners exclude home equity from the investable assets that fund the 4% withdrawal.
A globally diversified equity/bond portfolio has historically returned about 5 – 7% a year nominal over the long run; subtract roughly 2 – 3% Singapore inflation for the real return this tool projects in today's dollars. Returns are not guaranteed.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).