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Retirement Readiness Planner
It depends on retirement age, spending, inflation, EPF, NPS, employer superannuation, other assets marked for retirement, expected pension income, and how long the money needs to last. Use the tool below to compare required corpus with projected sources and stress-test the gap.
Step 1 - spending target
Use current expenses and desired retirement lifestyle. The planner inflates today's spending to retirement and then estimates the corpus needed through life expectancy.
Editable assumptions: essentials continue at 100%. Other weights below are illustrations, not personalized targets. A 0% housing weight assumes the loan is repaid; continuing payments are included for the full retirement period.
Step 2 - retirement sources
EPF, NPS, superannuation and other assets are projected separately. EPS or other pension is treated as income, not as investible corpus.
Enter your current age, retirement age, life expectancy, and at least one retirement spending category to see the result. Optional sources stay hidden until you add them.
The planner will show estimated need and projected resources once valid ages and spending are entered.
All returns are editable assumptions, not guarantees or allocation recommendations. NPS and superannuation balances are projected account values, not freely withdrawable cash. Exit, annuity and tax restrictions are not applied. Do not also enter pension income generated from the same projected balance.
View methodology