Who this is for
Working adults, self-employed persons, homemakers and expatriates in Singapore who want a structured, educational view of retirement readiness.
RETIREMENT READINESS SCORE
Singapore Retirement Readiness
Singapore Retirement Readiness Score
A free retirement calculator for Singapore. Answer 7 quick questions and see your retirement readiness score out of 100 and your estimated retirement income gap, built on publicly available guidance from CPF Board and MoneySense.
FreeAbout 3 minutesSee your score before sharing any contact details
What you will get
A clear picture of your retirement readiness
Answer questions about your income, expenses, savings, CPF progress and preparation. The tool turns them into an educational snapshot of where you stand.
Retirement Readiness Score
A clear score out of 100 across five retirement readiness categories, with a breakdown of where each point comes from.
Estimated Income Gap
See your estimated monthly retirement income needed, income available, and the gap between them, with an optional inflation adjustment.
Savings Target Estimates
Understand the estimated retirement fund required, your projected assets, and the savings that could close the gap.
General Areas to Improve
Educational pointers such as reviewing expenses, checking CPF projections, planning for healthcare and building emergency funds.
How it works
Three simple steps
1
Answer 7 quick questions
Tell us about your age, target retirement age, income, expected retirement spending, savings and CPF progress. About 3 minutes.
2
See your score instantly
Get your retirement readiness score out of 100 and the key gaps identified from your answers, before sharing any contact details.
3
Unlock your full report
Enter your details, with your PDPA consent, to unlock your estimated retirement income gap in dollars, savings targets and CPF LIFE estimates.
How it is scored
Five categories, 100 points
The methodology is based on publicly available Singapore retirement-planning guidance from sources such as MoneySense and CPF Board. Unanswered or unsure responses are not awarded points, and owning more products does not increase your score.
Retirement income adequacy40 points
Retirement savings progress25 points
CPF and lifelong income readiness15 points
Healthcare and insurance preparedness10 points
Emergency liquidity10 points
See the official sources behind this assessment on the Sources & References page.
FAQ
Frequently asked questions
What is the Retirement Readiness Score?
The Retirement Readiness Score is a free educational self-assessment developed by Hingfluence. It turns your answers about income, expenses, savings, CPF progress, healthcare preparation and emergency funds into a score out of 100, together with an estimate of your retirement income gap. It is not an official score issued or endorsed by MAS, MoneySense, CPF Board, any insurer or any government agency.
How is the score calculated?
The score adds up five categories: retirement income adequacy (40 points), retirement savings progress (25 points), CPF and lifelong income readiness (15 points), healthcare and insurance preparedness (10 points), and emergency liquidity (10 points). The methodology is based on publicly available Singapore retirement-planning guidance from sources such as MoneySense and CPF Board. Unanswered or unsure responses are not awarded points.
How much do I need to retire in Singapore?
It depends on your expected lifestyle and expenses. As a general reference, MoneySense suggests a spending benchmark of roughly two-thirds of your last drawn monthly salary and recommends planning for retirement savings that can last at least 20 to 30 years. This tool estimates your own figure from the monthly retirement spending you enter.
What are the CPF retirement sums for 2026?
For CPF members turning 55 in 2026, the Basic Retirement Sum is S$110,200, the Full Retirement Sum is S$220,400 and the Enhanced Retirement Sum is S$440,800, according to CPF Board. These reference levels are linked to estimated CPF LIFE monthly payouts from age 65 of about S$950, S$1,780 and S$3,440 respectively under the Standard Plan. Always verify the latest figures on cpf.gov.sg.
What is the retirement age in Singapore?
From 1 July 2026, the statutory minimum retirement age in Singapore is 64 and the re-employment age is 69, according to the Ministry of Manpower. These are separate from your CPF LIFE payout start age, which you can choose between 65 and 70. Many people also choose a personal target retirement age that is earlier or later than the statutory age.
What is CPF LIFE and when do payouts start?
CPF LIFE is Singapore's national longevity insurance annuity scheme. It converts your CPF Retirement Account savings into monthly payouts that continue for as long as you live. Payouts can start from age 65, and you can defer the start up to age 70; each year of deferral increases your monthly payout by up to about 7 percent, according to CPF Board.
Does the assessment include my CPF LIFE payouts?
Yes, as a reference estimate. Based on the CPF retirement sum tier you indicate, the tool uses CPF Board's published estimated monthly payouts under the CPF LIFE Standard Plan from age 65. Your actual CPF LIFE payout depends on your Retirement Account balance, your plan choice and your payout start age, so check your own projections on the CPF Retirement Dashboard.
Can I use this if I am self-employed or have little CPF?
Yes. The assessment does not require any CPF balance. It looks at your overall retirement income sources, savings progress, healthcare preparation and emergency funds, so self-employed persons, homemakers and expatriates in Singapore can also use it as an educational starting point.
Is this an official MAS or CPF Board score?
No. This is a proprietary educational assessment developed by Hingfluence. It is not issued, approved or endorsed by MAS, MoneySense, CPF Board, any insurer or any Singapore Government agency. It references publicly available official guidance for its benchmarks.
Does the result count as financial advice?
No. The result is a general educational estimate based on the information and assumptions you provide. It is not personalised financial advice, a recommendation, or a guarantee of retirement adequacy or future returns. Verify the assumptions and seek help from an appropriately qualified professional before making financial decisions.
Is the assessment free?
Yes. The assessment and your readiness summary are completely free. There is no credit card required and no obligation to take any further action.
Do I need to give my contact details to see my score?
No. You see your Retirement Readiness Score out of 100 and the key gaps identified immediately after answering the questions. Contact details are only requested if you choose to unlock the full report, which adds your estimated retirement income gap in dollars, savings targets and CPF LIFE payout estimates, with your PDPA consent.
How long is my data stored?
Your contact information and assessment answers are stored on encrypted infrastructure provided by Google Firebase. You can request deletion of your data at any time by contacting us. Hingfluence does not sell your personal information.
Find your retirement gap before it grows
A free educational check of your retirement readiness. About 3 minutes, no obligation, and you see your score before sharing any contact details.
The Retirement Readiness Score is a proprietary educational assessment developed by Hingfluence using publicly available Singapore retirement-planning guidance from sources such as MoneySense, MAS publications, CPF Board and the Ministry of Manpower. It is not an official score issued or endorsed by MAS, MoneySense, CPF Board, any insurer or any government agency, and it does not provide personalised financial advice, product recommendations, or any guarantee of retirement adequacy or future returns.
Direct answer
What is a Retirement Readiness Score?
A Retirement Readiness Score is an educational self-assessment that turns your income, spending, savings, CPF progress, healthcare preparation and emergency funds into a score out of 100 and an estimated monthly retirement income gap. Hingfluence's free Singapore version uses public CPF Board and MoneySense guidance and is not an official government score.
By Hingfluence · Figures last reviewed 23 July 2026
How it works
Answer 7 quick questions about age, income, spending, savings, CPF LIFE outlook, healthcare preparation and emergency funds. You see a score out of 100 before sharing any contact details.
What the score means
A higher score suggests stronger alignment with publicly referenced Singapore retirement benchmarks across five weighted categories. A lower score highlights gaps worth reviewing. The score is directional and educational only.
Limitations
Results depend on the assumptions you enter. CPF LIFE payouts vary by Retirement Account balance, plan choice and start age. This is not an official MAS or CPF Board score and not personalised financial advice.
Singapore retirement planning guide
Key retirement numbers for Singapore in 2026
The reference figures below are published by CPF Board, MoneySense, MAS and the Ministry of Manpower, and are the same benchmarks used inside the Retirement Readiness Score.
| CPF retirement sum tier (2026) | Amount at 55 | Estimated CPF LIFE payout from 65 |
|---|---|---|
| Basic Retirement Sum (BRS) | S$110,200 | about S$950 / month |
| Full Retirement Sum (FRS) | S$220,400 | about S$1,780 / month |
| Enhanced Retirement Sum (ERS) | S$440,800 | about S$3,440 / month |
BRS vs FRS vs ERS: which CPF retirement sum tier matters?
For CPF members turning 55 in 2026, the Basic Retirement Sum is S$110,200, the Full Retirement Sum is S$220,400 and the Enhanced Retirement Sum is S$440,800, according to CPF Board. Higher tiers generally support higher estimated CPF LIFE monthly payouts from age 65 under the Standard Plan, about S$950, S$1,780 and S$3,440 respectively. Always verify the latest figures on cpf.gov.sg.
How much do you need to retire in Singapore?
MoneySense suggests planning for retirement spending of roughly two-thirds of your last drawn monthly salary, and for savings that can last at least 20 to 30 years. For a last drawn salary of S$6,000 a month, a starting benchmark is about S$4,000 a month of retirement income. The Retirement Readiness Score estimates your own monthly gap from the numbers you enter instead of relying on averages.
What is the retirement age in Singapore in 2026?
From 1 July 2026, the statutory minimum retirement age in Singapore is 64 and the re-employment age is 69, according to the Ministry of Manpower. CPF LIFE monthly payouts can start from age 65, and deferring the start up to age 70 increases the monthly payout by up to about 7 percent for each year deferred, according to CPF Board.
Rules of thumb from the MAS Basic Financial Planning Guide
- Set aside at least 3 to 6 months of expenses as emergency funds before investing for retirement.
- Invest at least 10 percent of your income for retirement and other long-term goals.
- Review your insurance protection so that large healthcare bills do not erode retirement savings; MediShield Life and CareShield Life provide the national baseline.
How to check your retirement readiness in 3 steps
- Answer 7 quick questions on age, income, spending, savings and CPF progress (about 3 minutes).
- See your Retirement Readiness Score out of 100 and the key gaps identified, before sharing any contact details.
- Optionally unlock the full report for your estimated income gap in dollars, savings targets and CPF LIFE payout references.
How this tool estimates your retirement gap
The Retirement Readiness Score scores readiness out of 100 across five weighted categories: retirement income adequacy (40), savings progress (25), CPF and lifelong income readiness (15), healthcare and insurance preparedness (10), and emergency liquidity (10). Every benchmark is documented on the Sources & References page, with links to CPF Board, MoneySense and the Ministry of Manpower. It is an educational self-assessment by Hingfluence, not an official MAS or CPF Board score, and not financial advice. Review the published sources and methodology to understand the assumptions behind each educational estimate.
Figures last reviewed on 23 July 2026. Always verify the latest numbers with the official source before making decisions.