Retirement Scenario Calculator
Tell us the monthly income you want. We'll tell you how much you need invested to fund it — spent down to zero, not kept forever.
Not sure? These are just starting points.
What's included in Comfortable?
Comfortable
- Hawker favourites through the week
- Restaurants twice a month
- The freedom to mix MRT and Grab
- One long holiday plus one short getaway a year
For one person in Singapore, in 2026 dollars. Housing, car costs and other commitments not named here can be added below.
Optional. Add insurance, loans and anything else you must keep paying on top of the amount above.
Include savings and investments that can pay you income. Exclude the home you live in. If you plan to sell or downsize, include only the net cash you expect to invest afterwards.
Spend it down to S$0 by the age you set — you need less.
So we know how many years your money must last.
6 · Fund until age 84 adjust
Singapore life expectancy is about 84. Your capital gets spent down to nothing by this age — and that's the point.
7 · Annual return 5.7% adjust
What your investments earn each year. Set it near where your money actually sits — the starting point is the average S-REIT payout in 2026. Prices are assumed to rise 2.5% a year, so your payouts grow to hold their buying power.
Most Singapore company dividends and personal S-REIT distributions are tax-exempt; exceptions may apply.
- Monthly income you want
- S$5,500
- Your money already pays
- S$2,940
- Monthly gap
- S$2,560
- More capital needed
- S$435,318
Common questions
How much do I need to retire in Singapore?
There is no single number — it depends on the monthly income you want and how long it must last. Enter your target above and the calculator works out the lump sum for your situation.
What is the difference between “Spend it down” and “Keep it intact”?
Spend it down assumes your savings are drawn to S$0 by the age you set, so you need less. Keep it intact means you live off the investment returns alone and the full amount stays behind — which needs a much larger sum.
What annual return should I assume?
The default is 5.7%, the average S-REIT yield in 2026. Use around 1.5% if your money sits in fixed deposits; only go higher if you invest for the long term.
Does this account for inflation?
Yes. Prices are assumed to rise 2.5% a year, roughly Singapore's long-run average, and your monthly payouts grow at that rate — so the lump sum shown keeps its buying power in today's dollars.