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I built a free Singapore FIRE calculator — CPF, SRS, tax, Monte Carlo, 12 withdrawal strategies, and more
TL;DR: I made sgfireplanner.com, a free Singapore FIRE retirement planner and calculator. It handles CPF (including voluntary top-ups, CPFIS, OA withdrawals, CPF LIFE bequest tracking), SRS, progressive tax, HDB/property, healthcare costs, 12 withdrawal strategies, Monte Carlo simulation, historical backtesting since 1928, and sequence risk stress testing. No login required. Everything runs in your browser, your financial data never leaves your device. It will always be free and it's open source on GitHub. Still actively fixing bugs and implementing new features. If you spot anything off, let me know! Hey r/singaporefi, I've been working on a retirement planning tool built specifically for Singapore, and I wanted to share it with the community. I've shipped a lot of updates since first posting about this, so here's what the planner can do today. The problem: Most FIRE retirement calculators are US-centric. They don't understand CPF, SRS tax deductions, BSD/ABSD, Bala's Table leasehold decay, or SG progressive tax brackets. I wanted a retirement planner that actually models how things work here. What it does sgfireplanner.com is a comprehensive FIRE retirement planner and calculator tailored to Singapore residents. I've shipped 80+ updates since launch, including a CPF balance estimator, voluntary top-ups, CPFIS, Barista FIRE support, financial goals, locked assets, life event stress testing, and a projection-derived FIRE number. Full list of new features here. Singapore-specific modelling CPF — age-bracket contribution rates, OA/SA/MA tracking, extra interest on first $60K, BRS/FRS/ERS projections, CPF LIFE payouts with bequest tracking. One-click balance estimation from your age and salary. Voluntary top-up modelling (OA/SA/MA), CPFIS return projections, and OA withdrawal scheduling. SRS — tax deduction impact, balance tracking, drawdown planning. Withdrawals visible in the cash flow chart. Income tax — SG progressive brackets (0%–24%), personal reliefs (earned income adjusted by age, NSman, spouse, child, parent, CPF, SRS), residency status selection. Property — BSD/ABSD calculations, Bala's Table leasehold decay, LTV, HDB monetisation strategies, downsizing analysis, co-ownership support, dynamic property value in projections. Healthcare — MediShield Life, Integrated Shield Plans, CareShield LIFE, out-of-pocket cost projections by age. MediSave BHS grows annually and freezes at 65. Income & expense modelling 3 salary projection models (simple, career-phase, MOM data-driven benchmarks) Multiple income streams (salary, rental, dividends, business, CPF LIFE) with per-stream CPF control and tax-exempt flagging Bonus months (AWS) modelling Life events with inline configurator: promotions, career breaks, retrenchment, critical illness with adjustable parameters Expense adjustments for different life stages (e.g., kids' education from 30 to 48, lower transport after 65) Financial goals with shortfall warnings when your portfolio can't cover them Year-by-year projection table with SRS, healthcare, and CPF breakdowns Barista FIRE: part-time post-FIRE employment reduces withdrawals, with CPF and SRS contributions continuing Simulation & stress testing Monte Carlo simulation — 10,000 randomised market scenarios with 3 methods (parametric, historical bootstrap, fat-tail Student-t). Projection table shows percentile outcomes at every age. Historical backtesting — test your retirement plan against every rolling window since 1928 (98 years of actual market data, updated to 2025). Sequence risk stress testing — 8 crisis scenarios (GFC, Asian Financial Crisis, COVID crash, etc.) with mitigation strategies (bond tent, cash buffer, flexible spending). Life event disruptions feed into stress test calculations. 12 withdrawal strategies for retirement income Constant Dollar (4% Rule), VPW, Guardrails (Guyton-Klinger), Vanguard Dynamic, CAPE-Based, Floor & Ceiling, Percent of Portfolio, 1/N Remaining Years, Sensible Withdrawals, 95% Rule, Endowment (Yale), and Hebeler Autopilot II Side-by-side comparison with today's-dollars vs nominal toggle 8 asset classes US Equities, SG Equities (STI), International (MSCI), Bonds, REITs, Gold, Cash, CPF Pre-built allocation templates or build your own Correlation matrix, Markowitz portfolio stats, glide path configuration Locked assets: illiquid holdings that unlock at a target age and flow into liquid net worth Dashboard & other features FIRE number from your actual projection (not just 25x expenses), progress tracking, years to FIRE Portfolio trajectory chart, "what if" analysis, one-more-year impact Risk assessment across 6 dimensions Passive income breakdown for post-retirement Mobile quick mode for getting started fast, Simple and Advanced modes JSON export/import, Excel export Comprehensive reference guide with ELI5 explanations Retirement preparation checklist A note on accuracy Full transparency: this was built with help from Claude Code. The formulas are based on official sources (CPF Board, IRAS, URA, MOM) and the codebase has 1,900+ automated tests covering calculation modules, simulation engines, and validation rules. I've been continuously fixing calculations based on feedback, but I haven't formally audited every path. If you spot anything that looks off, a CPF rate that's wrong, a tax bracket that doesn't match, a simulation result that seems fishy, please let me know. Bug reports and corrections help make this retirement calculator more reliable for everyone. Privacy This is a fully client-side app. There is no backend server, no database, no user accounts, and no cookies tracking. All retirement calculations run in your browser using a Web Worker. Your financial data is stored in localStorage and never transmitted anywhere. You can verify this yourself: the network tab will show zero data being sent. Always free. Open source. This will always be free. No premium tier, no paywalls, no "sign up for advanced features." I built this Singapore retirement planner because I wanted a proper FIRE calculator for my own planning, and I believe everyone here should have access to comprehensive retirement planning tools without paying for them. Disclaimer I'm not a financial advisor and this tool is not financial advice. It's built for educational and planning purposes only, to help you explore retirement scenarios and understand how different assumptions affect your projections. Feedback welcome I'd appreciate any feedback that can make this more useful, whether it's a feature you wish it had, a UX improvement, or a bug. Drop a comment here or DM me. Link: sgfireplanner.com submitted by /u/Ill_Relation8266 to r/singaporefi [link] [comments]
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reddit.com |
Ill_Relation8266 |
Feb 23, 2026 |