2%
General inflation
How fast everyday prices rise each year in the plan — the central bank’s published target.
FIRE Planner · FIRE calculator for Singapore
A FIRE calculator for Singapore: CPF, CPF LIFE and SRS in one projectionCPF · CPF LIFE · Ordinary Account · Special Account · MediSave · Full Retirement Sum · SRS · HDB · 4% rule
Nivritee’s FIRE Planner projects when your household could stop working, in Singapore dollars, with Singapore inflation, a fast-rising medical cost rate and your CPF and SRS balances pre-filled as rows. It is free: eight answers after sign-up, about two minutes.
Your Location
| Country | Currency | Inflation | Medical |
|---|---|---|---|
| India | INR | 4.0% | 12.0% |
| United Kingdom | GBP | 2.0% | 8.2% |
| Singapore | SGD | 2.0% | 11.0% |
| United States | USD | 2.0% | 9.2% |
Eleven countries. Every rate shown, every rate yours to change.
FIRE Planner · your FI number in SGD
Your FI number at a 4% withdrawal rate, and how you compare.
Your FI number is a year of the life you plan after you stop working, divided by the 4% withdrawal rate the planner uses for Singapore, with tax on withdrawals allowed for, your goals added and income that keeps paying netted off. It is projected in SGD (S$), with a Financial Freedom Index out of 100 beside it.
Singapore publishes household income rather than household wealth, so your peer percentile compares your household’s income with the SingStat Key Household Income Trends, aged forward from its survey year.
How the FIRE Planner works →Financial freedom index
51Building momentum
- Progress 50% of the score 21What you have, against the number this plan says you need.
- Trajectory 30% of the score 100The age the projection actually reaches independence at.
- Resilience 20% of the score 50Emergency cover and how much debt you are carrying.
An illustrative household. Your own score is computed from your plan and stored, not estimated.
Singapore · the rates your plan starts from
The Singapore rates every plan projects with.
A plan for Singapore starts from these, in SGD. Each one is shown on your plan and yours to change, and changing one changes nobody else’s.
4.5%
Education inflation
School and university fees, which rise faster than everyday prices.
11%
Medical inflation
Healthcare costs, which rise faster than everyday prices in almost every market.
7%
Return while you work
An assumption, not a forecast — shown so you can change it.
4%
Return after you stop
Lower, because money being drawn on is usually held more cautiously.
4%
Withdrawal rate
What your FI number assumes you draw from your savings in a year.
Portfolio Tracker · Singapore schemes in one plan
CPF (Ordinary / Special / Medisave), SRS — rows in your plan from the start.
- CPF (Ordinary / Special / Medisave) — Central Provident Fund: mandatory savings split across housing, retirement and medical accounts.
- SRS — Supplementary Retirement Scheme: voluntary top-up savings with a tax deduction on contribution.
Each is a row in your plan, under its own name, beside your stocks, funds and deposits in any other country — all converted into one currency in the Portfolio Tracker.
How the Portfolio Tracker works →
Singapore · when the money can be reached
When pensions and schemes can be reached.
The ages that decide how a FIRE plan bridges the years after the salary stops.
Access age 1
From 55 you can withdraw at least S$5,000 of your CPF savings, and more once your Full Retirement Sum is set aside.
Access age 2
CPF LIFE payouts can start at the payout eligibility age of 65, or at any point up to 70.
FIRE Planner · Singapore
What your Singapore FIRE plan has to get right.
CPF opens in stages: some savings from 55, monthly CPF LIFE payouts from 65. Add the payout you expect as income that continues after you stop working, and the FI number nets it off what your savings must cover.
MediShield Life covers every citizen and permanent resident for large hospital bills, for life; what it leaves is grown in Nivritee at its own medical rate — insurers in WTW’s survey project a 14% Asia Pacific medical cost trend for 2026.
Gains from selling shares and property are generally not taxable for individuals in Singapore, so selling investments to live on carries no tax on the gain in most cases.
Singapore publishes household income rather than wealth, so your peer percentile compares your household’s income with Singapore households in SingStat’s Key Household Income Trends, and the card says so.
Why Nivritee for Singapore
The FIRE Planner, joined to everything else your household runs.
Your Singapore plan reads the same figures as the other five pillars — what you hold, earn, spend and owe, in whichever countries they are in.
Portfolio Tracker
Multi-currency portfolio and net-worth tracker
Stocks, funds and deposits from every country you invest in, valued daily in one home currency, with your real return (XIRR).
Portfolio Tracker →Money Manager
Personal finance for income, spending, loans and goals
What you earn, spend and owe, benchmarked against your country, your city and each kind of inflation.
Money Manager →Family Finance
Family finance for couples, with sharing you control
Plan as a couple with your own logins, choose what each of you sees, and give your CA or lawyer read-only access.
Family Finance →Niv
Free AI financial assistant
Analyses your portfolio, spending, buckets and plan, runs what-ifs on the real projection, and explains. You decide.
Niv →Freedom Ladder
A four-bucket strategy for your money
Survival, Sustenance, Sufficiency, Surplus: how much belongs in each bucket, and whether it is in something that bucket can use.
Freedom Ladder →What only Nivritee does
A FIRE calculator that knows what you already hold.
FIRE calculators start from a figure you type. The FIRE Planner starts from everything your household holds, in every country, in one currency — and plans for both of you.
Every country, one currency
Indian mutual funds, US stocks, a UK fund and a Gulf deposit in one household figure, converted daily into your home currency.
Tracking and planning, joined up
What you hold today feeds the projection of when you could stop. Portfolio trackers do not plan; FIRE calculators do not track.
Built for a family, not one login
Two people, one plan, each choosing what the other sees — and your CA or lawyer sees exactly what you share, read-only.
Benchmarked against your country
Eleven markets’ inflation, schemes and household surveys, so your spending and your percentile are measured where you live.
An assistant that runs the real numbers
Ask Niv a what-if and she runs it on your own projection and reports both figures — she never guesses at arithmetic.
Free, with nothing to sell
No fee, no commissions, no products. Nobody at Nivritee can open your plan.
FIRE calculator Singapore · questions
FIRE in Singapore: questions people ask.
How much do I need to retire early in Singapore?
The common rule of thumb is 25 times a year’s spending: a 4% first-year withdrawal, raised with inflation, lasted at least 30 years through US market history in William Bengen’s 1994 study. Nivritee’s FI number uses a 4% withdrawal rate on your own spending, adds your goals and nets off CPF LIFE payouts and other income that keeps paying.
When can I withdraw my CPF?
From 55, at least S$5,000, and more once your Full Retirement Sum is set aside. CPF LIFE monthly payouts start from 65, or later up to 70.
How do I plan healthcare costs if I stop working early?
MediShield Life covers large hospital bills for citizens and permanent residents for life. Nivritee grows the rest at a medical rate of its own rather than general inflation; WTW’s insurers project 14% for Asia Pacific in 2026.
Is there a free FIRE calculator for Singapore?
Yes. Nivritee’s FIRE Planner is free, with no paid tier. Once you have an account it asks eight questions — about two minutes — and projects your plan year by year in Singapore dollars with Singapore inflation and your CPF and SRS. You get your FI number, a 0–100 Financial Freedom Index, eight stress tests and how your household income compares with Singapore households.
Find your FI number for Singapore.
About two minutes to a first answer from eight figures, then add your holdings, your partner and the detail at your own pace. Free, no bank login, and nobody at Nivritee can open your plan.
Start free