Singapore Financial Planning Scenarios
Worked examples at real Singapore incomes and ages. See the CPF, HDB, SRS, retirement and net worth numbers before you run your own scenario.
CPF at 55 by salary
How Much CPF Will You Have at 55 Earning $3,000 a Month?
Projected CPF balances at 55 for a 25-year-old earning $3,000 a month: Ordinary, Special/Retirement and MediSave, and whether it reaches the Full Retirement Sum.
See the numbersHow Much CPF Will You Have at 55 Earning $4,000 a Month?
A worked projection of CPF Ordinary, Special/Retirement, and MediSave balances at 55 for a 25-year-old earning $4,000 a month, using current CPF allocation rates.
See the numbersHow Much CPF Will You Have at 55 Earning $5,000 a Month?
Projected CPF at 55 for a 27-year-old earning $5,000 a month, when the salary hits the CPF wage ceiling, and how much sits in each account.
See the numbersHow Much CPF Will You Have at 55 Earning $6,000 a Month?
How much CPF a 28-year-old earning $6,000 a month will have at 55, including when MediSave hits the Basic Healthcare Sum and where the overflow goes.
See the numbersHow Much CPF Will You Have at 55 Earning $7,000 a Month?
CPF at 55 for a 30-year-old earning $7,000 a month: why raises barely change the result once pay nears the $8,000 CPF wage ceiling.
See the numbersHow Much CPF Will You Have at 55 Earning $8,000 a Month?
A worked projection of CPF balances at 55 for a 30-year-old earning $8,000 a month, including how much clears the wage ceiling and the 2026 Full Retirement Sum.
See the numbersHDB affordability by household income
How Much HDB BTO Flat Can You Afford Earning $5,000 a Month?
How much BTO flat a first-timer couple earning $5,000 a month can afford, the HDB loan limit under MSR, and the $85,000 Enhanced Housing Grant.
See the numbersHow Much HDB BTO Flat Can You Afford Earning $6,000 a Month?
How much BTO flat a household earning $6,000 a month can afford in Singapore, including the HDB loan limit under MSR and available EHG.
See the numbersHow Much HDB BTO Flat Can You Afford Earning $7,000 a Month?
BTO affordability at $7,000 household income: the maximum flat price, the HDB loan, the $65,000 EHG, and whether savings or income is the limit.
See the numbersHow Much HDB BTO Flat Can You Afford Earning $8,000 a Month?
How much BTO flat a household earning $8,000 a month can afford, why savings rather than income may cap the budget, and the $55,000 EHG.
See the numbersHow Much HDB BTO Flat Can You Afford Earning $10,000 a Month?
BTO affordability at $10,000 household income: no EHG above $9,000, the HDB loan you can still take, and what limits the flat price.
See the numbersHow Much HDB BTO Flat Can You Afford Earning $12,000 a Month?
How much BTO flat a household earning $12,000 a month can afford with an HDB loan, and why the down payment rather than MSR sets the budget.
See the numbersHow Much HDB BTO Flat Can You Afford Earning $14,000 a Month?
BTO affordability at $14,000, the old income ceiling. Since 24 Aug 2026 the limit is $16,000: the maximum price, the HDB loan, and the headroom left.
See the numbersHow Much HDB Resale Flat Can You Afford Earning $6,000 a Month?
How much resale HDB flat a household earning $6,000 a month can afford, with the $80,000 CPF Housing Grant and $75,000 EHG on top of an HDB loan.
See the numbersHow Much HDB Resale Flat Can You Afford Earning $8,000 a Month?
Resale HDB affordability at $8,000 household income, including the Proximity Housing Grant for living near parents and the $55,000 EHG.
See the numbersHow Much HDB Resale Flat Can You Afford Earning $9,000 a Month?
How much resale HDB flat a household earning $9,000 a month can afford with a bank loan in Singapore, including TDSR limits and CPF housing grants.
See the numbersHow Much HDB Resale Flat Can You Afford Earning $10,000 a Month?
Resale HDB affordability at $10,000 household income: no EHG, but the $80,000 CPF Housing Grant still applies. Max price, loan and instalment.
See the numbersHow Much HDB Resale Flat Can You Afford Earning $12,000 a Month?
How much 5-room resale HDB flat a household earning $12,000 a month can afford when living with parents, with the CPF Housing Grant and PHG.
See the numbersSRS tax savings by income
SRS Tax Savings for a $60,000 Income Earner in Singapore
Is SRS worth it at $60,000 income in Singapore? The tax saved at the 7% bracket, the balance by 64, and why withdrawals can be almost tax-free.
See the numbersSRS Tax Savings for a $80,000 Income Earner in Singapore
How much tax a Singapore citizen or PR earning $80,000 a year saves by maxing out SRS, and why the deduction falls entirely in the 7% band.
See the numbersSRS Tax Savings for a $100,000 Income Earner in Singapore
SRS tax savings at $100,000 income in Singapore: the annual saving at the 11.5% bracket, the projected balance at 64, and the tax on withdrawal.
See the numbersSRS Tax Savings for a $120,000 Income Earner in Singapore
SRS tax savings at $120,000 income in Singapore, and why it saves exactly the same as at $100,000. Includes balance at 64 and withdrawal tax.
See the numbersSRS Tax Savings for a $150,000 Income Earner in Singapore
How much SRS saves at $150,000 income in Singapore (15% bracket), the projected balance at 64, and how much tax the withdrawals attract.
See the numbersSRS Tax Savings for a $200,000 Income Earner in Singapore
SRS tax savings at $200,000 income in Singapore (18% bracket), and how $30,000 of rental or other income in retirement changes the withdrawal tax.
See the numbersRetirement number by monthly spending
How Much Do You Need to Retire With $3,000 a Month in Expenses?
How much you need to retire in Singapore on $3,000 a month, using the 4% rule, and whether a 30-year-old investing $500 a month gets there by 60.
See the numbersHow Much Do You Need to Retire With $4,000 a Month in Expenses?
The retirement number for $4,000 a month in Singapore under the 4% rule, and how close a 30-year-old investing $1,000 a month gets by 55.
See the numbersHow Much Do You Need to Retire With $5,000 a Month in Expenses?
How large a portfolio you need to retire in Singapore on $5,000 a month in expenses, using the 4% safe withdrawal rule, and whether a 30-year-old is on track.
See the numbersHow Much Do You Need to Retire With $6,000 a Month in Expenses?
How much you need to retire on $6,000 a month in Singapore, and whether a 35-year-old with $100,000 invested and $1,500 a month gets there by 60.
See the numbersHow Much Do You Need to Retire With $7,000 a Month in Expenses?
The 4% rule retirement number for $7,000 a month in Singapore, and whether a 35-year-old investing $2,500 a month can retire at 55.
See the numbersHow Much Do You Need to Retire With $8,000 a Month in Expenses?
How much you need to retire on $8,000 a month in Singapore: a $2.4M target in today's dollars under the 4% rule, tested for a 40-year-old with $300,000 invested.
See the numbersHow Much Do You Need to Retire With $10,000 a Month in Expenses?
The retirement number for $10,000 a month in Singapore is $3M in today's dollars under the 4% rule. See whether a 45-year-old with $800,000 invested is on track.
See the numbersNet worth benchmarks by age
Net Worth at 25 in Singapore: What Is On Track?
What net worth is on track at 25 in Singapore? Benchmarks at the median income for your age, how much CPF already covers, and what matters most early on.
See the numbersNet Worth at 30 in Singapore: What Is On Track?
Net worth at 30 in Singapore: an on-track range at the median income, how much CPF alone contributes, and why a BTO down payment can pull you below it.
See the numbersNet Worth at 35 in Singapore: What Is On Track?
What net worth should you have at 35 in Singapore? The on-track range at the median income, the CPF-only estimate, and how children change the picture.
See the numbersNet Worth at 40 in Singapore: What Is On Track?
Net worth at 40 in Singapore: an on-track range at the median income for 40 to 44, how much comes from CPF, and the peak earning decade ahead.
See the numbersNet Worth at 45 in Singapore: What Is On Track?
What net worth is on track at 45 in Singapore? Benchmarks at the median income for your age, the CPF-only estimate, and ten years left before 55.
See the numbers