Calculate Your Retirement Readiness
Discover if you're on track for a comfortable retirement and get personalised insights.
Your Retirement Readiness
Capital Needed at Retirement
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Money needed for retirement, adjusting for inflation.
Savings Shortfall
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Your current projected retirement fund - required retirement fund
Retirement readiness is your projected savings compared to your retirement goal.
Global Financial Consultants
Comprehensive Financial Planning
Report Date
26 September 2025
Your Retirement Analysis Report
Comprehensive insights for your financial future
IMPORTANT DISCLAIMER
These projections are estimates based on assumptions about future market performance, inflation rates, and personal circumstances. Actual results may vary significantly. This analysis is for educational purposes only and does not constitute financial advice. Please consult with a qualified financial advisor before making investment decisions.
Projected Retirement Goals on Track
Current projections suggest NaN% achievement of your retirement goals.
Retirement Readiness Score: NaN%
Projections based on 7% annual return, 3% inflation, and current savings trajectory. Actual results may vary significantly based on market conditions and personal circumstances.
Current Savings Rate
NaN%
Critically low
Saving $0 of $0 annual income
Time Remaining
30 Years
To build $0 for a comfortable retirement
Longevity Risk
Age 66
When your retirement funds run out
19 years without sufficient income
Savings rate calculated as annual savings ÷ gross income. Time remaining based on selected retirement age. Longevity projections based on average life expectancy with individual variations expected.
Projected Impact of Delayed Action
Estimated opportunity costs based on historical market performance. Future results may differ from projections.
Maximum estimated opportunity cost: $0
Projected difference between starting now vs. waiting 10 years
Opportunity costs calculated using compound interest at 7% annual return. Shows the difference between starting now versus delaying investment by specified years.
Inflation Reality Check
Understanding your money's purchasing power.
Calculated using 3% annual inflation rate. Historical inflation has varied from 0% to over 10%. Healthcare and other retirement expenses may inflate faster than general prices.
Consider Strategy Optimisation
With a NaN% readiness score, you may benefit from exploring advanced strategies for tax optimisation, risk management, and estate planning.
Portfolio Review Services
Advanced portfolio optimisation and risk assessment
Regular portfolio reviews help ensure your strategy remains aligned with changing circumstances.
LEGAL DISCLAIMER
Investment Risk: All investments carry risk of loss. Past performance does not guarantee future results. Market conditions, inflation rates, and personal circumstances may significantly impact actual outcomes.
Projections: All calculations are based on assumptions and historical data. Actual investment returns, inflation rates, life expectancy, and expenses may differ materially from projections shown.
Professional Advice: This analysis is for informational purposes only and does not constitute personalised financial advice. Consult with qualified financial, tax, and legal professionals before making decisions.
No Guarantee: No representation is made that following any strategy will achieve desired results. Individual circumstances vary and may require different approaches.
How You Compare
Your financial profile versus global benchmarks
Savings Rate
The percentage of disposable income set aside instead of spending it on consumption. Please note this is excluding mandatory retirement contributions
Trading Economics and Singapore Department of Statistics (2Q2025). Savings rates may be calculated using different methodologies across countries and time periods. Singapore data reflects household savings rate as % of disposable income. Other countries' data may use different calculation methods (net vs gross savings, different reference periods). Data is for illustrative comparison purposes only and may not reflect the most recent available figures. Individual circumstances may vary significantly from national averages.
Comfortable retirement spending (couple)
How your expected annual expense compares to others on average (converted to SGD).
Estimates based on "comfortable" retirement lifestyle standards from various sources including ASFA (Australia), PLSA (UK), industry research (US), and retirement planning guides. Figures converted to SGD and represent annual spending for single retirees assuming mortgage-free homeownership. Actual costs vary significantly based on healthcare needs, lifestyle choices, location within country, inflation, and personal circumstances. Data reflects 2024-2025 estimates and methodologies may differ across countries.
Your Retirement Journey
Complete financial lifecycle showing accumulation and withdrawal phases
This lifecycle projection uses simplified assumptions and may not reflect real-world market volatility, changing life circumstances, or varying spending patterns in retirement. Actual outcomes may differ significantly from projections.
The Power of Time
Portfolio growth: Start now vs. delaying 1, 2, 5, or 10 years
This analysis assumes identical market performance across delay scenarios. Actual opportunity costs will vary based on market timing, economic conditions, and individual financial circumstances during the delay period.
Calculation Methodology
Key assumptions used in this analysis
Investment Returns
- • Pre-retirement nominal return: 7% annually
- • Post-retirement nominal return: 5% annually
- • Inflation rate: 3% annually
- • Real pre-retirement return: ~3.9%
- • Real post-retirement return: ~1.9%
Retirement Planning
- • Withdrawal strategy: 4% rule
- • Expenses inflate at 3% annually
- • Investment returns compound annually
- • No consideration for taxes or fees
- • Constant savings rate assumed
Disclaimer: These projections are illustrative and based on historical market averages. Actual returns will vary and may be lower or higher than assumed. Market volatility, economic conditions, inflation, taxes, fees, and other factors can significantly impact results. The 4% withdrawal rule is a general guideline and may not be suitable for all situations. Past performance does not guarantee future results.