Wealth at retirement
SGD 0M
at age 50 · contributions stop
Years to target
0yrs
on current pace
Target hit in
—
expected
Goal progress
0%
at retirement
Wealth trajectory
Current plan
What-if
Target
After retirement, contributions stop — the portfolio grows passively through market returns only.
Education costs are withdrawn during the shaded years.
—
"Coasting" means you've invested enough that even if you stopped contributing today, compound growth alone would carry you to your target by retirement age.
Coast number needed today
—
You'll reach it at
—
Then coast to retirement at
—
SGD 0
Annual income at retirement using the classic 4% safe withdrawal rule
— funds last 30+ years with typical market returns.
That's 0 SGD / month.
Portfolio at retirement
—
Real (inflation-adj) return
—
Expected duration
30+ years
Child 1 · born 2021
2039 – 2042
Ages 18–21 · 4 years of university · SGD 400,000 total
Child 2 · born 2025
2043 – 2046
Ages 18–21 · 4 years of university · SGD 400,000 total
Combined impact
SGD 800,000
Withdrawn from portfolio during years shown above. Already reflected in the trajectory chart.
Current plan
Monthly contribution
SGD 7,000
Retirement age
50
Annual return
7.0%
What if…
Monthly contribution (SGD)
Retirement age
Annual return (%)
| Outcome | Current | What-if | Difference |
|---|---|---|---|
| Years to target | — | — | — |
| Wealth at retirement | — | — | — |
| Total contributed | — | — | — |