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Retirement planning

Retiring before 65? Someone has to pay for those years

CPF LIFE income starts at 65. Retire earlier and every year in between is self-funded — that’s the bridge. Five inputs show how much capital your bridge needs and whether your current saving pace gets there.

Your details

Assumes CPF LIFE / lifelong income starts at 65, 3% inflation on your income need and a 4% planning return on savings. The bridge is the years between retiring and 65 that you must fund yourself.

Capital needed to bridge 60 → 65S$433,467

5 years × S$7,224/mo (your S$4,000/mo inflated to age 60)

Bridge years5
Projected fund at 60S$585,887
GapS$0
The bridge looks fundedYour projected savings cover the bridge on these assumptions. Stress-test inflation, returns and what happens after 65 — CPF LIFE adequacy is the second half of the question.

A simplified planning model from your own inputs — not advice or a CPF projection. It holds the income need flat across the bridge, excludes part-time income, private payouts and safety buffers, and assumes steady returns; the full adviser tool models all of those plus CPF LIFE income from 65. Early retirement decisions need stress-testing with a licensed adviser.

The bridge is half the picture

Free and no obligation — an adviser can help you:

  • Model CPF LIFE income from 65 alongside the bridge, so the whole retirement holds together
  • Compare closing the gap by saving more, retiring later, or a payout plan timed to exactly those years
  • Stress-test inflation, returns and part-time income before you hand in the notice
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