A powerful, minimalist tool designed to help you understand complex Central Provident Fund policies, visualize compounding interest, and map out your ultimate retirement strategy.
From the moment you launch the tool, you are guided through a clean, intuitive interface designed to make complex financial data easy to set up and digest.
Input your current balances, age, and salary details in a step-by-step, frictionless onboarding process tailored for absolute clarity.
Up to ten analytical tabs β Readiness, Overview, Strategy, Grow/Spend, Payout Plans, RSS, Compare, Household, Data Table, and Docs β each a fully independent analytical view. Tabs are shown or hidden automatically based on your citizenship, CPF scheme, and household settings.
Your welcome screen immediately highlights critical upcoming milestones, including FRS targets, age 55 transfers, and property sales.
Our tool dynamically adapts to the latest CPF rules, helping you optimize allocations across your accounts.
Designed primarily for housing, insurance, and investment. Our planner helps project your OA balances considering mortgage deductions, earning 2.5% p.a. (up to 3.5% p.a. with bonus interest on first $20,000).
SA earns 4.0% p.a. and closes at age 55, transferring to RA up to the Full Retirement Sum (FRS).
Safeguards healthcare needs at 4.0% p.a. Track your MA growth towards the Basic Healthcare Sum (BHS) and see how overflows optimize your SA/OA balances.
Gone are the days of staring at static spreadsheets. Fusion ε―η provides dynamic, beautiful charts that update in real-time as you adjust your salary inputs, age, and desired retirement milestones.
Thinking of buying an HDB, making voluntary transfers from OA to SA, or selling your property? Run simulations to see exactly how these decisions impact your long-term balance and monthly payouts at retirement.
Overlay real-world disruptions directly on your CPF projection curve. Toggle individual events on or off β your balances, payout age, and retirement readiness score recalculate instantly.
Go beyond basic calculators with our comprehensive suite of enterprise-grade simulation engines.
A dedicated tab with a composite Readiness Score built from five weighted dimensions: FRS Coverage, Income Adequacy, Stress Resilience (fed by P10 Monte Carlo or Perfect Storm), Longevity Cover (projection to age 95), and Healthcare Shield (MA vs BHS). An Action Priority Queue ranks your top 5 highest-impact moves by urgency and projected $-gain. The MAS Financial Health Panel runs 6 advisory checks (Emergency Buffer, Savings Rate, Inflation Hedge, Liquidity Ratio, Legacy Readiness, Protection Adequacy) aligned to MAS's Basic Financial Planning Guide. An Estate Planning Panel projects your estimated estate value from age 65β95 across CPF bequest, OA, MA, and property. A High Net Worth badge appears when projected total wealth exceeds $1M.
Set a CPF balance target at payout age β the solver instantly generates three strategies: Strategy A (RSTU only, up to $8,000/yr), Strategy B (VC3A only, up to $37,740/yr), and Strategy C (blended). Each card shows feasibility, required annual cash, monthly equivalent, and an Apply to Profile button that writes the values directly to your sidebar. Paired with the Income Roadmap, which sets a Target Monthly Income and uses β‘ Fill Gap to auto-calculate the exact OA Drawdown needed to close any shortfall, displaying a Gantt timeline of all income streams β CPF LIFE, OA Drawdown, SRS, and Private Assets β side by side.
Compare Standard, Escalating, and Basic plans side-by-side. Instantly visualize your lifelong monthly payouts and long-term bequest values.
Two distinct stress-testing engines. Monte Carlo (Grow/Spend tab) runs 200 simulations with Mild/Base/Stress rate variance, plotting P10βP50βP90 bands on your accumulation curve. The Stress Centre (Strategy tab) runs 7 named deterministic scenarios β each overlaid on your base projection as a separate curve: Perfect Storm (all 5 stressors combined), Sequence of Returns Risk (private asset crash in early retirement), Inflation Stress (custom elevated CPI), Property Correction (custom property rate), CPF Rate Cut (OAβ1.5%, SA/MA/RAβ3.0%), Healthcare Surge (medical cost inflation), and Tier Shock (RA drops one tier at payout age). All scenarios are configurable and update in real time.
Model a dual-income couple with separate CPF profiles, shared housing costs, and children timelines. View combined CPF LIFE payouts and coordinated top-up strategies for both partners.
Track Supplementary Retirement Scheme balance, annual contributions (SC/PR cap $15,300; foreigner cap $35,700), drawdown phasing from age 63, and a live estimated annual tax-saving badge.
Model three HDB monetisation paths β Downgrade, Lease Buyback Scheme (LBS), and Silver Housing Bonus (SHB) β with the exact RA top-up and cash proceeds for each option.
Accurate Year 1 and Year 2 PR rates under G/G (Graduated/Graduated) and F/G (Full/Graduated) schedules β all age bands, all CPF accounts, per CPF Board 2026 tables.
Full Retirement Sum Scheme support for members born before 1958. Project RA depletion age under RSS and simulate voluntary CPF LIFE migration up to age 80 with plan selection.
The Dashboard tab (CPF Overview sub-view) houses a 5-tile KPI strip, net-worth doughnut, HNW badge, estate planning panel, Milestone Snapshots, and What-If Explorer sliders for instant base-vs-what-if divergence. The Data Table tab includes a Cashflow Ledger sub-view with an annual row-by-row breakdown of every inflow, outflow, interest, and transfer component β exportable as CSV. XIRR / CPF Yield IRR calculates the actual internal rate of return for each CPF LIFE plan year-by-year. A Real vs Nominal toggle adjusts all charts and figures for inflation across the entire app. Export complete scenarios as PDF, CSV, or encode all inputs into a shareable URL β no login required.
A dedicated sub-tab in Strategy that scans all 8 CPF levers simultaneously β RSTU, VC3A, VCMA, OAβSA/RA Transfer, VHR, SRS, Deferment to 70, and Property Monetisation. Shows how much yield you're leaving on the table for each lever, with active/inactive status, tax-saving badges, age-expiry alerts, and conflict detection. Apply individual levers or hit Apply All to write every eligible lever to your profile at once. Includes an Annual Cash Budget cap, an Annual Action Checklist, and a Session Change Log. An Annual Tax Bracket Optimizer sub-tab finds the optimal RSTU + VCMA + SRS allocation to drop you into the next lower IRAS bracket β with one-click Apply buttons for each scenario.
Model annual OA and SA investments via the CPF Investment Scheme. OA funds above $20,000 and SA funds above $40,000 (pre-55 only) are eligible. The engine deducts the investment outflow correctly each year β investment returns are modelled via the Private Assets rate β so you can see the opportunity cost of investing vs leaving funds to compound at 2.5%/4.0% inside CPF.
Enable Self-Employed Person (SEP) mode and enter Net Trade Income (NTI). The engine automatically applies mandatory MediSave contributions at correct NTI-banded rates (capped at $96,000 NTI), skips employer OA/SA contributions, and flags VC3A voluntary contribution headroom. A dedicated Freelancer preset profile is available in the Setup Wizard.
Two preset profiles for newborn Singapore Citizens. Strategy A (Full Launch): RSTU $220,400 + VCMA $79,000 at birth, plus VC3A $37,740/yr β projects ~$2.06M by age 21. Strategy B (Annual Only): VC3A $37,740/yr with no birth lump sums β projects ~$1.51M by age 21. The $5,000 MediSave Grant for Newborns (MGN) is auto-credited in year 0 for both strategies.
Enter your gross monthly salary and the engine computes estimated take-home pay after mandatory CPF deductions and income tax, showing your monthly cash surplus available for voluntary contributions or SRS. Updates live as you adjust salary or contribution levers β helping you size voluntary top-ups against real disposable income.
Voluntary cash top-ups to MediSave (VCMA) earn a tax-deductible 4.0% p.a. up to the Basic Healthcare Sum ($79,000 in 2026). Unlike SA, MediSave has no age-55 closure β funds compound indefinitely and eligible members unlock the $1,000/yr MMSS government matching grant (pilot 2026β2030). VCMA sits outside the $37,740 annual CPF limit, so it stacks on top of VC3A in the same year.
Voluntary Contributions to All 3 Accounts (VC3A) fill unused headroom up to the $37,740 annual CPF limit across OA, SA, and MA in CPF-determined proportions. Every dollar earns at least 2.5%, with SA and MA portions earning 4.0%. Particularly powerful for self-employed members whose mandatory MA contributions leave significant unused annual limit room.
Moving excess OA to SA (before 55) or directly to RA (after 55) captures an immediate 1.5% rate uplift with zero additional cash outlay. The transfer is irreversible but has no annual cap β the engine automatically caps each year's transfer at your remaining FRS/ERS headroom so you never over-transfer. If RA is below FRS, VHR refunds also flow to RA first. Combined with RSTU and VC3A, this is the lowest-friction lever in the Turbocharger toolkit.
Overlay real-world disruptions directly on your CPF projection curve. Toggle individual Life Events on or off β retrenchment, career break, windfall, medical crisis, early retirement, or hyperinflation β and your balances, payout age, and Readiness Score recalculate instantly. See exactly how many months of income disruption you can absorb before your retirement plan breaks.
Configure post-payout monthly OA draws with a bequest floor. Enable Die with Zero mode to fully deplete liquid assets by a target age, maximising lifetime consumption.
Capitalize on the latest CPF policy shifts, maximize your yields, and secure your retirement. These are the core growth strategies driving the planner's engine.
Safety & resilience tools β stress-testing, scam shields, and withdrawal locks β are in a separate section below.
With the closure of the Special Account (SA) for members aged 55+, old 'shielding' loopholes are obsolete. The new optimal move to maximize the 4.0% interest floor is transferring excess OA to RA up to the 2026 Enhanced Retirement Sum (ERS).
Capitalize on the new Matched Retirement Savings Scheme (MRSS) and Matched MediSave Scheme (MMSS). This grants Singapore Citizens aged 55+ with RA below BRS an immediate 100% return via dollar-for-dollar government matching ($2,000/yr, lifetime cap $20,000).
Patience pays massive dividends. Deferring your CPF LIFE payouts from age 65 to age 70 increases your lifelong monthly income payout by up to 35% (a guaranteed 7% structural increase for every year deferred).
Leaving $30,000 in your Ordinary Account instead of transferring it to your Special or Retirement Account costs you approximately $16,500 in lost compounding interest over 20 years.
Order matters. Top up $2,000 first (if eligible) to trigger the MRSS matching grant. Separately, execute a Retirement Sum Topping-Up (RSTU) for up to $8,000 in tax relief, before finally sweeping excess OA to lock in the 4% yield.
Using CPF for housing incurs a hidden 2.5% compounding debt. Model a future Property Sale to see the impact of accrued interest refunds, or execute a Voluntary Housing Refund (VHR) today to stop the leak and boost your retirement balance.
Contribute up to $15,300/yr (SC/PR) to SRS β deducting it from your chargeable income today. Growth inside SRS is completely tax-free. At drawdown from age 63, only 50% is taxable. Spread over 10 years, the annual taxable amount is ~$15,300 β squarely in the 0% tax band.
Most people claim only the $8,000 personal RSTU relief. But a separate $8,000 cap covers top-ups to a spouse's, parent's, or sibling's RA β giving a combined $16,000/yr in income tax deductions. Both clocks run independently. One of Singapore's most underused deductions.
CPF credits interest on each month's lowest balance. Cash top-ups (RSTU/VC3A/VCMA) made on 1 January start earning a full year earlier than mid-year contributions β worth up to +$1,721/yr more. OAβSA/RA transfers have no posting lag: do them in January to capture the 1.5% rate differential immediately.
The Special Account earns 4% + an extra 1% bonus on the first $60,000. But SA closes permanently at age 55. Every year you delay a voluntary RSTU top-up into SA before 55 is 4β5% compounding you can never recover. Front-load SA while the window is open.
SRS withdrawals from age 63 are taxed at 50% of the amount drawn. If you spread the drawdown over 10 years at ~$30,600/yr, only $15,300 is taxable annually β below the $20,000 zero-tax threshold. Effective rate: 0%. The planner shows your optimal phased withdrawal schedule.
A Singaporean Citizen child receives a $5,000 MediSave Grant for Newborns automatically. Add an RSTU lump-sum to fill SA to FRS (~$220K), max VCMA to BHS (~$79K), and contribute $37,740/yr via VC3A. At CPF's guaranteed 4% SA rate with annual contributions, the account crosses $1M at approximately age 10.
The CPF Investment Scheme lets you invest OA savings in equities and unit trusts. Break-even vs the guaranteed 2.5% OA rate is modest β but sequence-of-returns risk in the years before 55 is real. A "de-risking runway" exits CPFIS by age 50 and transfers proceeds back to OA, locking in gains before SA closes and RA crystallises.
Right-size your HDB, use the Lease Buyback Scheme (LBS), or claim the Silver Housing Bonus (SHB, up to $30,000) to convert home equity into RA top-ups and cash proceeds β without fully selling. The planner models all three paths with exact RA top-up and cash proceeds at your chosen trigger age.
SC aged 55+ who sell their HDB and buy a lower-value property can claim the Silver Housing Bonus β up to $30,000 credited to RA when conditions are met. Combined with the Lease Buyback Scheme, this unlocks $30Kβ$60K+ in RA and cash liquidity without full divestiture. Model the exact shortfall bridge in the Property Monetisation module.
These tools don't add to your CPF balance β they make sure your plan survives job loss, health shocks, scam attempts, and market volatility. Think of them as the seat belt, not the engine.
Overlay six real-world disruptions on your CPF projection: retrenchment, career breaks, medical crises, windfalls, early retirement, and hyperinflation. See your retirement floor under each scenario β before it matters.
Appoint up to two trusted guardians to act as a second layer of defense. They receive instant alerts for major transactions (like lump sum withdrawals) without gaining access to your balances or control over your account.
For members aged 55 and above, this acts as an emergency brake. If you suspect a scam, activating the switch instantly disables online access and halts all withdrawals while keeping essential payments running.
Provides precautionary protection for your CPF savings. It instantly disables online withdrawals entirely, while seamlessly maintaining your online access to view balances and perform other non-withdrawal transactions.
Run hundreds of scenarios with Β±1% annual rate variance on OA, SA, RA, and MA. The result isn't one line β it's a confidence band: your retirement floor (pessimistic), base, and ceiling (optimistic). Know what your plan looks like when rates disappoint, not just when they don't.
Before committing to a major decision β buy vs rent, retire at 60 vs 65, stay in current job vs take a pay cut β run both scenarios side-by-side in the planner. See the full CPF impact across every account, payout age, and retirement income source before you decide.
A live composite score gated against four targets: projected RA vs FRS/BRS at 55, MA vs BHS, monthly payout vs target income, and OA drawdown sustainability. Drill into each metric to see exactly what's dragging your score and what to fix first.
Die With Zero mode plans drawdown of private assets to ~$0 by your target age. The Safety Check runs the same plan under a stress scenario (Monte Carlo floor + a Life Event) to verify you don't run dry before your target. If the stress scenario deplete assets early, you'll see the gap age and the shortfall β and what to fix.
Everything runs directly in your browser. No data is sent to our servers, ensuring your financial information remains strictly yours.
We monitor policy changes, contribution rate shifts, and ceiling limits so the math is always precise and compliant (e.g., 2026 FRS $220,400, ERS $440,800, BHS $79,000).
Remove the guesswork from retirement. See clear, actionable numbers across up to ten analytical views β then share your plan with a single link.
Start planning your retirement with confidence.
Access the Planner NowYour privacy is our priority. Because Fusion ε―η is a secure, client-side application, we enforce a strict zero-data-collection policy regarding your financial information.
Fusion ε―η