Coast FI Calculator
Find the amount you'd need invested today so that, without adding another dollar, it could grow into your full retirement pot by the age you choose to stop working.
New to Coast FI? Read the explainerYour Coast FI number today:
S$314,085
In plain words: if you had S$314,085 invested today and never added another dollar, it could grow to S$1,732,500 by age 65. That pot could pay you about S$5,775 a month from your own savings, at 5% growth a year after inflation and a 4% yearly withdrawal. Once you're there, your pay only needs to cover today's life.
Full retirement pot: S$1,732,500
Years to grow: 35
$1 grows to S$5.52 by your stop age
Our example uses Singapore's 2025 median monthly income (MOM, including employer CPF). CPF LIFE would come on top.
How much of the pot you take out each year. 4% comes from a 1994 study of US market history.
Use growth after inflation, because your target is in today's dollars. Higher growth usually comes with bigger drops.
Leave CPF out unless you want to count it.
Show the maths
S$1,732,500 ÷ (1 + 5%)^35 = S$314,085
When would you like to reach Coast FI?
This is the age you'd like to stop saving for retirement. After it, you'd only need to cover today's bills.
Your Coast FI number at 40: S$511,612
To get there, you'd need to invest about S$3,314 a month from now until age 40.
Work to 70 instead and today's Coast FI number becomes S$246,094.
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