“Can I stop working at 55?” Price your future lifestyle in future dollars, project what your investments become, and see exactly what’s missing — plus the monthly fix.
Your details
Your gap at retirement
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Nest egg at retirement
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Needed (25× rule)
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To close the gap: save / month
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Lifestyle in retirement-year dollars
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What we assumed
Inflation 2.5%/yr — your target lifestyle is priced in retirement-year dollars.
Withdrawal rule: 4%/yr (25× annual need). Conservative folks use 30×.
CPF LIFE payouts sit on top of this number — an S$1,600/mo payout shrinks a S$3,500 lifestyle gap to S$1,900 of investment income. Check the CPF LIFE estimator and subtract.
Returns are nominal and smooth; real markets are neither.