Your financial future
— in numbers

Future-proofing your
financial health

This calculator will help you predict your future financial needs — whether you are planning for retirement, your child’s education or a large expense, start by defining its expected annual cost, start and end date, with a realistic inflation rate.

An investment plan
designed for you

Depending on your expected returns, which is intricately linked to the duration, volatility, and liquidity you can manage, an investment plan is formulated for you with an initial and monthly recurring investment to achieve your desired spending needs.

The appropriate asset
allocation for all risk levels

The Endowus app will help you design, access, monitor, rebalance, and optimise evidence-based investment plans so you stay on track towards your wealth goals — and if you need more guidance, our client advisors are available to help.

Calculate an investment plan to achieve a comfortable retirement

Estimated to take 10 minutes

Retirement Plan - Detailed Tables and Chart

1

I am years old and intend to retire at age (in the year --).

2

I am looking to spend on average SGD$ per month in retirement (in today's money Imagine how much you would spend if you were to retire today. Our calculations will factor for inflation. (Spending is assumed at the beginning of the year) ).

3

I am looking to invest in a portfolio These calculations here are based on the composite returns of MSCI ACWI SGD NR Index and Bloomberg Global Aggregate SGD-Hedged TR Index between Jan 2003 and May 2024. To avoid doubt, the numbers do not represent any Endowus portfolios which have different performance from the indices used here. Accordingly, it is important to ensure that you review the actual underlying components and performance of your chosen portfolios before investing, whether through Endowus or otherwise. which returns an average --* per year. (Customize)

4

I currently have SGD$ to kickstart my investment towards my retirement.

View advanced options

Inflation Rate (%) :

Life Expectancy :

Post-Retirement Return Rate (%) :

Investment Goals Investment Goals represent specific financial targets that you aim to achieve either before or after retirement. These could include saving for retirement, purchasing a home, or funding education. You can specify the amount you aspire to accumulate for each goal. All goals are assume to be incurred at the beginning of the year. This helps us take a more conservative approach in estimating your amount required. Use the Adjust for Inflation checkbox to indicate whether the amount entered is in today's money. You can add or remove goals using the "+" and "-" buttons.

Major upcoming / future cash inflows Major Upcoming / Future Cash Inflows refer to significant amounts of money you expect to receive in the future. These inflows can come from various sources such as maturing fixed deposits, inheritance, CPF maturity, or from the sale of property or business. All cash inflows are assume to be incurred at the end of the year. This helps us take a more conservative approach in estimating your amount required. Use the Adjust for Inflation checkbox to specify whether the amounts are keyed in today's money. You can add or remove cashflows using the "+" and "-" buttons

Adjusted Yearly Expenses, Cashflows and Cumulative Expenses in Retirement

Year	Adjusted Cash Outflow	Yearly Expenses	Adjusted Yearly Expense	Adjusted Cash Inflow	Cumulative Expenses

This table calculates the total amount needed at the start of retirement to cover all anticipated expenses throughout the retirement period. It factors in inflation and the expected post-retirement return rate, cash inflows and outflows post-retirement.

Adjusted Cash outflow: Cash outflows adjusted for inflation and present valued to the point of retirement based on the post-retirement return rate.
Yearly Expenses: Summation of monthly expenses adjusted for retirement and inflation
Adjusted Yearly Expense: Yearly Expense present valued to the point of retirement based on the post-retirement return rate
Adjusted Cash inflow: Cash inflows adjusted for inflation and present valued to the point of retirement based on the post-retirement return rate.
Cumulative Expense = (Previous year’s Cumulative Expense) + Adjusted Cash outflow + Adjusted Yearly Expense - Adjusted Cash inflow

Accumulation to Meet Retirement Needs

Year	Cash Outflow	Cumulative Net Invested	Cumulative Return	Cash Inflow	Accumulated Wealth

This table tracks the growth of investments over the years leading up to retirement. It shows yearly cash inflows, outflows, the return on investments, and the cumulative amount saved by the retirement year.

Cash Outflow: Cash outflows adjusted for inflation. (Real-terms) incurred at the beginning of the year
Cumulative Net Invested: Previous year’s Net Invested + (Summation of this year’s monthly contributions)
Cumulative Net Return: Previous year’s Net Return + Investment return rate * (Previous year’s accumulated Wealth - Cash Outflow)
Cash Inflow: Cash inflows adjusted for inflation (Real terms) incurred at the end of the year
Accumulated Wealth = Cumulative Net Invested + Cumulative Net Return + Cash Inflow - Cash outflow

Decumulation of Retirement Funds

Year	Cash Outflow	Yearly Expense	Interest Earned from Remaining Funds	Cash Inflow	Remaining Funds at Year-End

Once retirement begins, this table helps track the withdrawal phase. It details the yearly expenses, the income generated from investments, and the remaining balance at the end of each year. This is crucial for ensuring that the retiree does not outlive their resources.

Cash Outflow: Cash outflows adjusted for inflation. (Real-terms) incurred at the beginning of the year
Yearly Expense: Summation of monthly expenses adjusted for retirement and inflation (Real-terms) incurred at the beginning of the year.
Interest Earned from Remaining Funds: Post-Retirement return rate * (Previous year’s remaining funds - Cash Outflow - Yearly Expense)
Cash Inflow: Cash inflows adjusted for inflation (Real terms) incurred at the end of the year
Remaining Funds at Year-End = (Previous year’s remaining funds) - Cash Outflow - Yearly Expense + Interest Earned from Remaining Funds + Cash Inflow

Calculate an investment plan to achieve a desired future spending need

Estimated to take 3 minutes

Endowus Investment Plan Calculator

1

I am planning for a future spending need that is of $ (in today’s money)

2

3

I expect this spending will need to account for an inflation rate of % info

4

I expect my investment portfolio to generate an annualised return of % info

5

I expect to start investing towards this goal in

6

I am able to make an initial investment of $

Calculate

Disclaimer:
The information and material presented in this calculator are provided to you for informational purposes only and are not to be used or considered as an offer or a solicitation to sell and/or subscribe to any investment products or should it be construed as financial advice or recommendation with respect to any investment products.

This calculator does not purport to be all-inclusive or to contain all the information that you may need in order to make an informed decision. It is recommended that you carefully consider whether any investment views and products/services are appropriate in view of your investment experience, objectives, financial resources and relevant circumstances and seek financial advice as to the suitability of any investment.

Whilst Endowus Singapore Pte. Ltd. (“Endowus”) has tried to provide accurate and timely information, there may be inadvertent delays, omissions, technical or factual inaccuracies or typographical errors. Endowus does not make any representation or warranty or guarantee as to the completeness, accuracy, timeliness or suitability of any information contained within any part of the calculator nor that it is free from error. Further, whilst the information provided has been obtained from sources believed to be reliable, Endowus does not attest to its accuracy or completeness and does not accept any responsibility or liability for information provided by third parties. Endowus reserves the right to change any source without restriction or notice. The values quoted for specific investments are indicative only and are subject to change. Whilst the document contains information relating to capital gains or losses, it should not be relied upon for tax purposes. Endowus does not accept any liability (whether in contract, tort or otherwise howsoever and whether or not they have been negligent) for any loss or damage (including, without limitation, loss of profit), which may arise directly or indirectly from use of or reliance on such information.

Investment involves risks. Past performance should not be taken as an indication or guarantee of future performance and no representation or warranty, express or implied, is made regarding future performance. Any opinions expressed reflect a judgment at the original date of publication by us and are subject to change without notice. Any forward-looking statements, prediction, projection or forecast on the economy, stock market, bond market or economic trends of the markets contained in this material are subject to market influences and contingent upon matters outside the control of Endowus and therefore may not be realised in the future. All unauthorised distribution and copying of the content in this calculator is strictly prohibited.

Future-proofing your
financial health

This calculator will help you predict your future financial needs — whether you are planning for retirement, your child’s education or a large expense, start by defining its expected annual cost, start and end date, with a realistic inflation rate.

An investment plan
designed for you

Depending on your expected returns, which is intricately linked to the duration, volatility, and liquidity you can manage, an investment plan is formulated for you with an initial and monthly recurring investment to achieve your desired spending needs.

The appropriate asset
allocation for all risk levels

The Endowus app will help you design, access, monitor, rebalance, and optimise evidence-based investment plans so you stay on track towards your wealth goals — and if you need more guidance, our client advisors are available to help.

Choose from expert advised portfolios that align with your needs

Flagship



Invest in a globally diversified portfolio for your long-term wealth.

Income



Earn passive income through portfolios focused on dividends and stability.

Cash Smart



Maximise your cash with higher yields, with no lock ups and no limits.

View all portfolios 

Get started on your
investment plan.

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Retirement Year This is the year you intend to retire	--
Amount Required at Retirement This is the amount you would need to accumulate by the start of your retirement. It is calculated by looking at all your expected expenses during your retirement, adjusting for inflation and underlying return assumptions.	--
Last for (Years in Retirement) This is calculated by taking your life expectancy minus your age at retirement. You can adjust life expectancy by clicking the "View advanced" option.	--
Investment Return Rate This is the expected annual rate of return on your investment prior to retirement. You can choose to customize this by selecting the "Customize" option	--
Monthly Investment Required This is the amount you would need to invest. This is adjusted for monthly compounding based on the annual rate of return.	--
Net Invested Amount Required This is the total amount of money you would actually need to invest. This is the total amount you would need to put into your investments based on the monthly investment required.	--

Your financial future— in numbers

Future-proofing your financial health

An investment plan designed for you

The appropriate asset allocation for all risk levels

Calculate an investment plan to achieve a comfortable retirement

1

2

3

4

Here's your retirement investment plan

Calculate an investment plan to achieve a desired future spending need

1

2

3

4

5

6

Future-proofing your financial health

An investment plan designed for you

The appropriate asset allocation for all risk levels

Choose from expert advised portfolios that align with your needs

Flagship



Income



Cash Smart



Get started on yourinvestment plan.

Your financial future
— in numbers

Future-proofing your
financial health

An investment plan
designed for you

The appropriate asset
allocation for all risk levels

Future-proofing your
financial health

An investment plan
designed for you

The appropriate asset
allocation for all risk levels

Get started on your
investment plan.