Current Status
Net Worth
Time to FIRE
FIRE Progress
Personal Details
Spending Targets (Monthly)
Assumptions
Required Portfolio Targets
Your "FIRE Number" is the portfolio size needed to support your spending at a given Safe Withdrawal Rate (SWR).
| Scenario | Monthly Spend | SWR | Required Portfolio |
|---|
Monthly Income
Monthly Expenses
Investments
Separate cash investments from CPF/SRS for accurate savings rate.
Summary & History
Click to save current income/expense numbers to history.
Net Worth Tracker (-- entries)
| Date | Cash | CPF OA | Stocks | Crypto | Other | Debts | Net Worth |
|---|
π₯ Mass Import from Spreadsheet
Paste tab-separated data (Date, Cash, Stocks, Crypto, CPF, Bills/Debts):
Net Worth History
Future One-Time Expenses
Add major expenses (wedding, renovation, etc.) that will reduce your projected net worth.
| Year | Amount | Description |
|---|
FIRE Milestones
Conservative (7%)
Optimistic (20%)
Wealth Projection Chart
Surplus/Deficit to Goal
Projection Table
| Year | Age | Conservative | Optimistic | Expenses | Surplus/Deficit |
|---|
Historical Withdrawal Stress Test Info
Based on historical SPY backtesting (Trinity Study logic):
- 4.8% SWR: Historically survived most market crashes (95%+ success rate).
- 6.0% SWR: Borderline risky. High chance of failure in prolonged bear markets.
- 7.2% - 12%: Almost guaranteed to fail over a 30+ year retirement.
ποΈ CPF Retirement Sums (2025)
π Your CPF Progress
π― FRS Progress
Track your progress towards the Full Retirement Sum for CPF LIFE payouts.
π΅ CPF LIFE Estimated Payouts
| Retirement Sum | Monthly Payout (Est.) | Annual Income |
|---|---|---|
| BRS ($106,500) | $750 - $810 | $9,000 - $9,720 |
| FRS ($213,000) | $1,500 - $1,620 | $18,000 - $19,440 |
| ERS ($426,000) | $2,610 - $2,820 | $31,320 - $33,840 |
*Based on CPF LIFE Standard Plan payouts starting at age 65. Actual payouts may vary.
π HDB Mortgage Calculator
Plan your housing purchase with CPF OA deductions
π° Loan Details
π Payment Summary
ποΈ CPF OA Usage
Use CPF OA to pay for housing while maintaining minimum balance for FIRE.
π Amortization Preview
π‘ Housing Tips for Singapore
β’ BTO is significantly cheaper than resale (20-40% savings)
β’ HDB loan rate: 2.6% fixed | Bank loan: ~3-4% variable
β’ Maintain at least $20K in OA for emergencies before buying
β’ Consider the 25% debt-service ratio (TDSR) limit
β‘ Crisis Scenario Simulator
See how your portfolio would survive different market conditions.
π» Bear Market
-30% crash, 2-year recovery
π Recession
-40% drop, 5-year slow recovery
π¦’ Black Swan
-50% crash, variable recovery
π₯ Stagflation
2% growth, 6% inflation
π Scenario Comparison
π² Monte Carlo Simulation
Run 100 random simulations to see the range of possible outcomes.
π― Life Milestones Planner
Track costs from liquid funds (cash/stocks) vs CPF OA separately.
| Year | Event | π΅ Cash Cost | ποΈ CPF OA Cost | Monthly Ξ |
|---|
π Portfolio Impact
π Cost Breakdown
π Timeline View
π Common SG Milestones
π Wedding: $20K-$50K cash + $0 CPF
π BTO: $25K cash + $100K-$200K CPF OA
πΆ Child (yearly): $15K cash
π Car: $80K-$150K cash
π‘ Planning Tips
β’ BTO down payment: 5% cash, 20% CPF
β’ Monthly HDB loan: Can use 100% CPF OA
β’ Keep 6mo expenses in liquid emergency fund
β’ Wedding grants: Up to $10K for first-timers
Data Management
Save your data to this browser or export it to a file to use on another device.