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Retirement Calculator

Estimate life cover for death, TPD and critical illness (incl. Early Stage), including mortgage, education and debts built for Singapore, complementing MAS guidance.

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Synthesis Retirement Drawdown Strategy

Current Age Target Retirement Age When you plan to stop full-time work. Plan Until Age Longevity buffer (e.g., 90). Monthly Expenses Today (SGD) All-in lifestyle spend before retirement. Retirement Expense (% of today) How much of today’s monthly spending you want to keep in retirement. Example: 100 = same lifestyle; 90 = leaner; 110 = more. Existing Monthly Income Already Expected During Retirement (SGD) Income you have already planned for at retirement, such as CPF LIFE payouts, annuity income, or rental. Enter the amount expected at retirement (do not inflate here).

Planned Drawdown Rate (% per year)

3% 4% 5% 6%

Recommended: keep 4% selected. It is a widely used planning baseline that balances sustainability with required savings. Changing this will increase or decrease the pot you need and may raise risk. Example: 4% of S$1,000,000 = S$40,000 per year (~S$3,333 per month).

Inflation (% p.a.) Enter a whole-number percent, e.g., 3 for 3%. Expected Return pre-retirement (% p.a.) Average annual investment growth rate before retirement (accumulation). Current Investable Savings (SGD) Already invested and will also be drawn down in retirement. Monthly Contribution until retirement (SGD) What you are already saving each month today (kept as-is).

Schedule your complimentary 30-minute call today and discover how micro-retirement can work for you.

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Retirement Calculator

Synthesis Retirement Drawdown Strategy

Schedule your complimentary 30-minute call today and discover how micro-retirement can work for you.

Book a Family Wealth Review

Call: 202-555-0188