FIRE Number + Cost of Waiting
Your FIRE number is the pot that lets work become optional. Below it: what the same target costs per month if you start five or ten years later. The second number is the one people underestimate.
People aiming to make work optional by 50 are typically setting aside S$4,338/mo at this lifestyle and return. Waiting five years pushes that to roughly S$6,671/mo for the same finish line — the extra S$2,333 is the price of a later start, not a bigger goal.
This is a population benchmark, not advice — the real plan depends on what you already hold, CPF, and how the market actually behaves.
assumes 2% inflation, the 25× rule (4% withdrawal), returns as a stated assumption not a promise, and saving from zero. figures: general planning conventions, 2026.
your numbers above ride along in the message — you can edit or delete them before sending.