RetireReady Quiz

Are You Retirement-Ready? | Singapore Retirement Score
🇸🇬Singapore Retirement Estimator 2026
✨ Map your financial future in under a minute

Free · Private · Instant Results

Picture Your Dream Retirement.
Are You On Track to Get There?

A comfortable Singapore retirement looks different for everyone. While CPF LIFE provides a great foundation, adding SRS and personal investments is how you unlock true financial freedom. Combine all your numbers here to see exactly where you stand.

S$4,200
Target monthly income for a
comfortable lifestyle today
65
The age your CPF LIFE
payouts can officially begin
3 Pillars
CPF, SRS, and Investments
combined for true freedom
🔒 100% Private
⏱ No Sign-Up Required
📈 Inflation-Adjusted
Latest CPF 2026 Data SRS Modelling MAS Guidelines Applied
Moneyline.SG RetireReady Quiz
Step 1 of 7

Building your retirement projection…

CPF, SRS & investments — all combined into one picture

  • Projecting CPF contributions year-by-year to age 65
  • Calculating your FRS at age 55 (3.5% p.a. escalation)
  • Estimating CPF LIFE Standard Plan monthly payout
  • Modelling SRS & investment growth at 4% p.a.
  • Combining all income streams vs inflation-adjusted lifestyle targets

Your Personalised Retirement Readiness Report · Singapore 2026

Your Retirement Score

0
out of 100

📊Your Projected Retirement Income at Age 65
🏦 CPF RA Balance at 65
CPF LIFE Payout / month (Pillar 1)
Standard Plan from age 65 — your guaranteed base income
📈 SRS & Investment Income / month (Pillar 2)
▶ Total Projected Retirement Income (Pillar 1 + 2)
CPF LIFE + SRS / investments combined at 65
Your Relevant FRS (at your age 55)
Your Relevant ERS (at your age 55)
Max CPF RA top-up target
📑 Inflation-Adjusted Comfortable Retirement Target  2.5% p.a. long-run planning rate
Your Retirement Income Picture

What Each Retirement Tier Looks Like in Singapore

All figures shown in future dollars at retirement (inflated at 2.5% p.a. to age 65). Today’s equivalent in brackets.

Score Breakdown
Recommended Next Steps
👨‍💼
Get a Free Retirement Gap Analysis
with a MAS-Licensed Financial Planner

Your free 30-min session covers:
CPF LIFE optimisation strategy
SRS account setup & tax savings
Investment portfolio to close your gap
Inflation-proofing your retirement income
CPF top-up & nomination review
Healthcare & critical illness coverage
Session Request Sent!
We have received your preferred slot and will confirm via email within 1 business day. Check your inbox (and spam folder).
📅 Book Your Free 30-Min Session
🔒 No obligation
🇸🇬 MAS-licensed advisers
30 minutes only
📲 Online or in-person
Only 8 spots remaining this week

Not ready to book? Message us on WhatsApp and we’ll follow up at your pace.

💬 Message Us on WhatsApp

*Projections use CPF contribution rates (OA 2.5% p.a., SA/RA 4% p.a., RA bonus up to 6% on first S$30k), FRS escalation of 3.5% p.a. (confirmed CPF Board rate 2023–2027), and a long-term planning inflation rate of 2.5% p.a. (consistent with DBS retirement research 2024; MAS 10-yr core inflation avg ~1.6%, with 2.5% used as a conservative planning assumption). Retirement income benchmarks are based on 2025 Singapore household expenditure data. All figures are illustrative estimates based on midpoint inputs and do not account for housing OA withdrawals, contribution gaps, or future policy changes. This does not constitute financial advice under the Financial Advisers Act (Cap. 110). Please consult a MAS-licensed financial adviser before making any decisions.

Scroll to Top