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tool 03/07 — runway

Salary → CPF Runway

Watch your CPF Ordinary + Special accounts compound toward the Full Retirement Sum, and see how many months your everyday spending would survive on a cash cushion. Cohort benchmarks — not a personal verdict.

30
S$5,500
CPF is a % of wage, capped at the S$8,000 ceiling
S$3,500
crosses FRS around age
OA + SA at 55
FRS S$220,400
age 30crosses ≈ 40age 55
if you stopped, S$60,000 lasts
at S$3,500/mo spending · you set aside S$2,000/mo while working

At this pace, your CPF OA + SA crosses the Full Retirement Sum (S$220,400) around age 40. Most people reach FRS in their late 50s–60s — getting there by 40 puts you ahead of the pack.

On the cash side, S$60,000 covers about 17 months at S$3,500/mo. Singapore households typically keep three to six months on hand — you're above that band.

This is a population benchmark, not advice — the real plan depends on housing, top-ups and goals I'd map with you.

The actual Long-Term Cashflow worksheet from the client planning workbook — salary, CPF and allocation model with sample data
the actual worksheet this tool replicates — the same CPF engine my clients get, sample data shown. not an AI mock-up.

assumes you start from zero today, wage capped at the S$8,000 CPF ceiling, OA at 2.5% and SA at 4.0% compounded monthly and modelled separately, and a flat 2026 FRS of S$220,400 (not projected forward). figures: CPF Board, 2026.

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