"The projection showed I could retire three years earlier than I expected. I changed my savings target and stopped guessing."
Geokbeng Paulyn
Age 55, Singapore
account_balance Retirement planning Singapore
Will You Outlive Your Money? Let's Find Out.
Will your CPF LIFE payouts cover the life you want? Gan Finance AI models more than 100 retirement scenarios, including inflation, healthcare shocks, CPF rule changes, and the years you may spend working less.
100+scenarios modelled
65–95years mapped
0–100readiness score
A quick starting point
See your likely score
78
on track
Your income has room to breathe.
This example assumes retirement at 65, steady monthly savings, and CPF LIFE Standard payouts. Your score changes with your own figures.
A planning estimate, not financial advice.
CPF payouts, made clearer
CPF LIFE: Standard, Basic, or Escalating?
The best plan depends on how you want income to change over time. Compare the starting payout, later increases, and likely bequest in one view.
Choose a plan
Your planning lens
Illustrative Standard plan
$2,180 / month at 65
95
Age 65: payout beginsAge 95: longevity test
At 75$2,180
At 85$2,180
Bequest viewCompare
AI compares your health profile, family history, household needs, and desired spending before making a recommendation.
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Dreaming of FIRE? See If You Can Pull It Off.
Set your spending target, savings rate, and side income. The model shows the earliest age your portfolio could support your plan, including the bridge to CPF withdrawal age.
Small changes can move the goalpost.
Estimated FI age56
Target portfolio$1.35m
Now, age 43CPF bridge, age 55FI target, age 56
Scenario switcher
Major medical event at 75
Before shock$2,180monthly income
After $80,000$1,640monthly income
Income protectedIncome after healthcare costs
Suggested review: compare CareShield Life coverage, Medisave reserves, and a dedicated healthcare cash buffer before retirement.
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What If Life Throws a Curveball?
Healthcare costs can change the monthly number quickly. Test a major event at 75, adjust the cost, and see which insurance or Medisave decisions soften the impact.
Plan for the awkward numbers.
Retirement adequacy
Your Lifetime Income Map
One chart brings together CPF payouts, dividends, rental income, and portfolio drawdowns. Change the scenario and see where your income thins out.
Monthly income, SGD$6,420
show_chart
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CPF LIFE payouts
Investment income
Rental income
Drawdowns
Real planning, clearer decisions
Peace of Mind Is the Best Dividend
People use their score to make one useful decision at a time. The numbers become less frightening when they have a date and a next step.
"I had put off reviewing my CPF nomination because it felt complicated. The action plan made the order clear, and I could see how the decision fitted our family finances."
Declan Benson
Recent retiree, Tampines
Why did I choose Gan Finance AI? Because the FIRE plan included my CPF bridge and part-time income. I adjusted my target and gained five more years of choice.
Hinhin Shia
FIRE planner, Queenstown
checklist
Today's Moves for a Better Tomorrow
Your plan should end with actions you can take this month. Gan Finance AI ranks each move by likely impact on your retirement income and healthcare buffer.
Build my action plan arrow_forward
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Replace retirement worry with a number you can work with.
Bring your CPF balances, savings, spending target, and questions. Gan Finance AI turns them into a readiness score and a practical sequence of next actions.
Get Your Retirement Readiness Score arrow_forwardBuilt for Singapore households planning their next 30 years.