Free retirement calculator

Retirement Calculator
✦ Retirement Planner

Your retirement, in numbers

Four free calculators. No jargon, no sign-up. Just clear answers about your financial future.

What’s my retirement target number?

Start here. Before you plan how to save, you need to know your goal. Enter your expected annual spending in retirement and we’ll work out the number.

📖 The 4% Rule — How This Works

The 4% Rule (also called the Safe Withdrawal Rate) is one of the most widely used retirement planning guidelines. Research from Trinity University found that retirees who withdraw 4% of their portfolio per year have historically been able to sustain their savings for 30+ years — even through market downturns.

The formula is simple: Annual Expenses × 25 = Your Retirement Number. Why 25? Because 1 ÷ 4% = 25. If your portfolio is 25× your annual spending, you can safely withdraw 4% each year and — with average investment returns — your savings should last indefinitely.

S$
4% p.a.
2% (conservative)6% (aggressive)
30 years
10 yrs50 yrs
Your Target
—
retirement nest egg
Annual Withdrawal
—
per year from savings
Multiplier Used
—
× your annual expenses
📊 Scenarios — what if your spending changes?
🟢 Lean retirement (−20% spending) —
⭐ Your number (as entered) —
🔴 Comfortable retirement (+20% spending) —
💡

—

Based on the 4% Safe Withdrawal Rate rule. Real returns vary. This does not account for inflation, taxes, or unexpected expenses. Not financial advice.

How much should I save every month?

Know your retirement number? Now work out the exact monthly savings needed to get there.

yrs
yrs
S$
S$
5% p.a.
1% (savings acc)12% (equities)
Save Monthly
—
per month needed
Years to Retire
—
saving window
Your Contributions
—
money you put in
📊 Where your retirement nest egg comes from
Your savings
Investment growth
Your savings
—
Growth
—
💡

—

Assumes consistent monthly contributions and a fixed annual return. Not financial advice.

How much will my savings grow by retirement?

See how your current savings and monthly contributions compound over time.

yrs
yrs
S$
S$
5% p.a.
1% (savings acc)12% (equities)
At Retirement
—
projected nest egg
Your Contributions
—
money you put in
Interest Earned
—
compounding magic
📊 Breakdown at retirement
Your money
Investment growth
Contributions
—
Growth
—
💡

—

Assumes consistent monthly contributions and a fixed annual return. Not financial advice.

How long will my retirement savings last?

Enter your nest egg and monthly expenses — find out if your money outlasts you, or the other way around.

S$
S$
yrs
3% p.a.
0%8%
Money Lasts Until
—
estimated age
Years of Runway
—
funded retirement
Annual Withdrawal
—
from your savings
💡

—

📉 Savings balance over retirement years
Assumes fixed monthly withdrawal and constant returns. Does not account for inflation, taxes, or medical costs. Not financial advice.