Singapore Retirement Readiness Score
A free retirement calculator for Singapore. Check how prepared you are for retirement based on what you have today: see your estimated retirement income gap, your score out of 100, and general areas you can work on. An educational tool built on publicly available guidance from CPF Board and MoneySense.
FreeAbout 3 minutesNo obligation
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.
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.
See the official sources behind this assessment on the Sources & References page.
Three simple steps
Answer the questions
Tell us about your age, target retirement age, income, expected retirement spending, savings, CPF progress and preparation.
Enter your details
Fill in your name and contact number so we can share your results, with your PDPA consent.
See your results
Get your score out of 100, your estimated retirement income gap, key gaps identified, and general educational areas to improve.
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. Consider speaking with a licensed financial adviser 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.
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.
See where you stand today
A free educational check of your retirement readiness. About 3 minutes, no obligation.
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.