Enter your current net worth, monthly savings, expected return, and annual expenses to find your financial-independence date — and whether you are already Coast FI against CPF draw-down age 65.
A Singapore-localised calculator pre-filled in SGD. Singapore has no capital gains tax and no dividend tax, making the numbers you see here directly comparable to your real after-tax returns.
FIRE rests on one formula: FI target = annual expenses ÷ safe withdrawal rate. At 4% SWR that is 25× your expenses. Once your portfolio hits that number it can sustain inflation-adjusted withdrawals indefinitely.
In a Singapore context: Singapore has no capital gains tax and no dividend tax for individual investors — making it one of the most FIRE-friendly tax environments globally. Growth in a personal investment account compounds entirely tax-free, so the nominal figures in this calculator are also your real after-tax returns. The SRS (Supplementary Retirement Scheme) adds income-tax relief on contributions up to S$15,300/year, with withdrawals from age 62 taxed at 50% of the applicable rate.
CPF funds are locked until age 55 (with mandatory allocation to CPF Life annuity from 65). The CPF Special Account earns a guaranteed 4% floor — one of the highest risk-free rates globally. If your projected FIRE date is before 65, build a non-CPF bridge portfolio of ETFs or REITs to fund living expenses in the gap.
Worked example: A S$13,000 SRS balance plus S$500/month at 7% for 25 years grows to roughly S$425,000 — with full income-tax relief on contributions up to S$15,300/year, the effective return is higher than the nominal rate suggests.
FIRE (Financial Independence, Retire Early) means building a portfolio large enough to live off indefinitely. Singapore's tax environment is unusually FIRE-friendly: no capital gains tax, no dividend tax, and SRS contributions attract income-tax relief up to S$15,300/year. CPF Special Account earns a guaranteed 4% floor.
The SWR is the annual percentage you can withdraw without depleting your portfolio. The Trinity Study found 4% survived 95% of 30-year scenarios. For 40+ year Singapore retirements, 3–3.5% provides additional margin.
For a globally-diversified equity index fund, 6–8% nominal is a common historical assumption. Singapore has no capital gains or dividend tax — the nominal rate equals your effective after-tax rate for personal investments. CPF Special Account earns a guaranteed 4% floor (with bonuses on the first S$60,000).
Coast FIRE: your portfolio can reach FI by CPF draw-down age (65) without further contributions. Lean FIRE: under roughly S$30,000/year. Fat FIRE: S$100,000+/year. Change the annual expenses input.
No capital gains tax and no dividend tax for individuals — personal investment accounts compound tax-free. SRS: contributions deductible up to S$15,300/year; withdrawals from 62 taxed at 50% of applicable rate. CPF: locked until 55, guaranteed 4% on Special Account; CPF Life annuity from 65. Early retirement before 65 requires a non-CPF bridge portfolio.
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