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CPF Retirement Sums (Age 55)
Projected BRS, FRS & ERS
Projected sums when you turn 55 in 2046
--BRS
--FRS
--ERS
BRS: Covers basic living (if you own a property). FRS: 2x BRS (if you do not own a property). ERS: Maximize your CPF LIFE payouts.
* Estimated values only. Based on approx 3.5% annual increase. Check with CPF board for official figures.
CPF LIFE Estimator
Projected Monthly Lifelong Payouts
Standard
Escalating
Basic
* Estimated values only. Check with CPF board for official figures.
Housing Estimator
Max Budget & Target Shortfall
Max Property
Max Loan
Mthly Mortg
* Estimates based on MAS TDSR & LTV rules.
Insurance Gap Analysis
Life, CI & Health Benchmarks
--Life Gap
--CI Gap
* Run analysis to view health coverage insights based on MOM & LIA rules.
Monthly Planner
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Stocks Screener
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Top 10 ETF Outlook — Price Forecast (USD)
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📱 SIMBA Mobile Numbers
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💰 Edit CPF Details
Standard Plan
Higher, steady payouts that stay the same for life. Those who want a fixed, high budget from the start and don't mind their purchasing power decreasing as prices rise.
Escalating Plan
Payouts grow by 2% yearly for life. Those worried about inflation; payouts start ~20% lower than Standard but eventually surpass it to keep up with rising costs.
Basic Plan
Lower payouts that gradually decrease over time. Those who want to leave more to their family.
🏠 Housing Budget
Key MAS Borrowing Rules:
LTV: Max 75% loan from bank, 25% downpayment (at least 5% cash).
TDSR: Max 55% of monthly income can go to all loans.
Tenure: Max 30 years, must end by age 65.
Stress Test: Banks generally calculate using 4% interest (you can adjust this below).
Enter a price to see shortfall & cash required, or leave blank to calculate your absolute maximum budget.
Person A
Person B
📊 Affordability Report
Health Score
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Max Property
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Your Profile & Inputs
Capital Deployment
Interest Rate Stress Test
Scenario
Rate
Monthly Est.
Cooling Market
2.00%
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Current Market
3.00%
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MAS Stress Test
4.00%
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High Inflation
5.50%
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Progressive Payment Schedule
Stage
%
Amount
1. Booking Fee (Cash)
5%
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2. Sign S&P
15%
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3. Stamp Duties
-
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4. Foundation
10%
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5. Framework
10%
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6. TOP
25%
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🛡️ Coverage Profile
Target Benchmarks:
Life: 9x Annual Income + Total Liabilities.
CI: 4x Annual Income.
Existing Coverage
📊 Gap Analysis Report
Life Insurance--
Target (9x + Liab)--
Current Cover--
Shortfall Gap--
Critical Illness (CI)--
Target (4x)--
Current Cover--
Shortfall Gap--
💡 Recommended Action Plan
👤 Account
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