FIRE and CPF bridge planner
Enter your savings and spending to find the earliest age you can stop work. Your liquid portfolio must pay your spending until 55, when CPF savings above the retirement sum can be withdrawn.
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What this leaves out
- Simplified model, not advice. CPF rules change most years.
- Check before acting. The rates here were read from cpf.gov.sg on 2026-11-13. Checkcpf.gov.sg for changes.
- Correct old figures. Change any figure that has moved in the Assumptions section.
| Simplification | What it means for you |
|---|---|
| Returns are the same every month | Real markets fall, sometimes just after you stop work. Try the 5% return as a cautious case. |
| Salary, investing and spending rise exactly with inflation | No pay rises, bonuses or additional-wage CPF contributions are counted. |
| CPF thresholds stay fixed in today’s dollars | The wage ceiling, the S$20,000 and S$60,000 limits and the Basic Healthcare Sum are assumed to rise with inflation. Only the retirement sums have their own growth rate. |
| CPF interest is added monthly | CPF works interest out monthly but credits it once a year, so real balances grow slightly slower. |
| Everything withdrawable at 55 is withdrawn | CPFIS investments are sold into OA at 55 and savings above the retirement sum move to the liquid portfolio. You can choose to leave them in CPF instead. |
| No CPF LIFE payouts | The Retirement Account keeps earning interest. It pays spending only from the payout age, and only once the liquid portfolio is empty. |
| MediSave is never spent | No medical bills, MediShield Life or other premiums are deducted, and MediSave is left out of the stop-work test. MediSave interest stays in MediSave even above the Basic Healthcare Sum. |
| CPFIS limits beyond the S$20,000 rule are ignored | The 35% cap on stocks and 10% cap on gold, and the two months sale proceeds can sit in the investment account, are not modelled. |
| Housing is cash flow only | Mortgage instalments are paid on top of the spending figure. The value of the flat, the loan balance, grants, stamp duty and accrued interest owed back to CPF on sale are left out. |
| No tax | Income tax, CPF relief and dividend withholding tax are not counted. |