Personal Cashflow Projection Excel: Version 03 - 20220516 ©2022 by Financial Literacy Singapor

Some extra info available at: https://meltec22.wixsite.com/finlitsg/post/cashflow-projection-for-retir

Step Sheet

1 Input - Basic Info

2 Input - Housing Loan

3 Optional Edit - Expenses

4 Results (Case 0)

Results (Case 0) / Results

5
(Case 1)

6 Results (Case 1)

7 Results (Case 99)

Results (Case 0) / Results

8
(Case 1) / etc.

Change Log

v02 10-May-22

v03 16-May-22
 Personal Cashflow Projection Excel: Version 03 - 20220516 ©2022 by Financial Literacy Singapore
Some extra info available at: https://meltec22.wixsite.com/finlitsg/post/cashflow-projection-for-retirement
Instructions

Enter values in cells B2 to B34 (Except B20).

Enter values in cells B1 - B4, E9 - E33. G9 - G33 should not exceed 30% (Current Mortgage Servicing Ratio ceiling)

Values here are taken from a 2019 Study conducted by NUS and NTU. Feel free to edit if you disagree with some of the
numbers, but you may also leave it as it is if you don't know what to edit.
Analyze your End-of-Year (EOY) balances (Columns AL to AS). Column AR (EOY Liquid balance) should never be allowed to fall
too low, let alone become negative. If it does, you may want to go back to Steps 1 - 3 and cut down on holiday expenses, or
increase your retirement age, reduce expenses, etc. You may also try to implement some form of money management
strategy (See next step).

Create a copy of the worksheet "Results (Case 0)", and rename it "Results (Case 1)", or any name you wish.

Input any ad-hoc actions you want to try in 'Ad-hoc inflow /outflows ' (Columns AE to AK). For example, if for one of the
years you run short of liquid cash, but have a large investment portfolio, you can liquidate some stocks to cover the cash
shortfall. This can be represented by a negative amount under Illiquid Cash inflow/outflow for that year, and a positive
amount under Liquid Cash inflow/outflow. You can also implement Excel formulas in those columns if you wish (e.g. using IF
functions to perform an automatic deduction of the liquidation amount from the Iliquid Cash inflow/outflow column every
time the Liquid Cash Balance (Column AR) falls below a certain amount, and increase the Liquid Cash inflow/outflow column
by that same amount). You may refer to the worksheet "Results (Case 99)" as a reference.

You can ignore this sheet. You may also use this as a reference/inspiration for what you may want to consider in your
strategy. In the example in this sheet, the formulas simulate the following strategy:
"For tax savings, while working, I will perform 4k cash top-up to medisave every year while Medisave is below BHS. If
Medisave hits BHS, I will perform the cash top-up to SA instead, while SA<FRS. While working, I will also transfer 20k from OA
to SA every year if I can (while SA< FRS) for the higher interest. At 55, after RA is set-up, I will leave 20k in CPF OA and
withdraw the rest."
The sheet also has a few ad-hoc adjustments/actions written in as an example.

Analyze your cashflows and balances again, and keep adjusting until you have a comfortable / realistic / achievable financial
plan. You can compare multiple strategies by repeating steps 5 and 6. Have fun!

Change Log

Spawned from my personal finance Excel, cleaned up, simplified, made it more readable, etc. Hello world!

Added CPF LIFE Standard and Escalating Plan options. CPF LIFE Premium mechanism corrected (Payout amount now follows
the real mechanism theoretically, but the calculations are still approximations).
 Parameter Your Input
Your Birth Year: 1990
Current Year: 2022

Liquid assets balance as of end of previous year: $20,000

Average interest on liquid assets: 1.00%

Illiquid assets / investments balance as of end of previous year: $160,000

Average returns on illiquid assets: 5.00%

% of Take-home pay to be spent every year, apart from regular/"real"

15.00%
expenses:
% of Take-home pay to invest into illiquid assets every year, while
10.00%
working:
Age to start withdrawal from illiquid assets to liquid: 48
Amount per year to withdraw from illiquid to liquid assets once
$24,000
withdrawal starts:
CPF OA balance as of end of previous year: $50,000
CPF SA balance as of end of previous year: $20,000
CPF RA balance as of end of previous year: $0
Medisave balance as of end of previous year: $30,000
Target CPF LIFE Premium between FRS and ERS at age 55: 100%
CPF LIFE Premium balance as of end of previous year: $0
Monthly CPF LIFE payout as of end of previous year: $0
CPF LIFE Plan: 2%
Age to start CPF LIFE payout: 67
Your Gender: M
Estimated Life expectancy at age 65: 26
Your Current Gross Monthly Salary (OW): $5,500
Your Current Gross Yearly Bonus (AW): $8,250
Your planned retirement age: 51
Average long-term inflation rate: 2.50%

Average long-term wage growth rate: 6.00%

Average long-term BRS increment rate: 3.30%
Average long-term BHS increment rate: 4.80%
Planned age to have Child 1: 32
Planned age to have Child 2: 34
Planned age to have Child 3: 999
Age at which each Child is no longer a financial responsibility: 25
Yearly holiday budget (per family member): $2,000
 Explanatory notes
Used for calculating your age
Used for calculating your age, and adjusting for inflation; all prices/wages/etc in the inputs should be based on today's values
(i.e. this year). CPF rates should be updated to this year's rates
This is money that you can use almost anytime; for weddings, vacations, rainy day fund, etc (e.g. cash in bank, SSB, short-term
fixed deposits)
Most "high interest" bank accounts offer about 0.5% interest, SSBs give about 2%. Use an average value that's reflective of you
mix
This is money that may be hard to access without stiff penalties; money that's "locked-up" or get potentially stuck (e.g. volatile
stocks, illiquid longterm bonds, insurance/endowment plans)

If your portfolio is mainly in 4% savings/endowment plans, simply use 4%. If its in stocks it will depend on your performance; if
you fomo-buy and panic-sell S&P, this may be a negative value even though the long-term S&P returns are about 10%/year

e.g. % of take-home pay that you gift to your parents (i.e. "parents' tax"), set aside as reward to spend on frivolous items,
actual income tax (after deductions), etc
percentage of take-home pay that you will transfer into the illiquid assets balance every year (e.g. stocks, endowment plans,
etc)
Can be retirement age, delayed, or even at mid-career to help with expenses
essentially a transfer from illiquid to liquid balance, for use in everyday life
CPF balance as of 31 Dec of previous year
CPF balance as of 31 Dec of previous year
CPF balance as of 31 Dec of previous year. Leave as $0 if you're below 55 and have no RA yet
CPF balance as of 31 Dec of previous year
Enter 0% to commit FRS into CPF LIFE at age 55, or 100% to commit ERS, or any value in-between
CPF LIFE Premium balance as of 31 Dec of previous year. Leave as $0 if you're under 55
Monthly CPF LIFE payout as of 31 Dec of previous year. Leave as $0 if you have not started your payouts
Enter 0% for Standard Plan or 2% for Escalating Plan
Minimum is 65, but you can delay it to a maximum of 70 increase the monthly payout amount
Enter "M" (Male) or "F" (Female). Used for life expectancy estimations.
Determined by Government, depends on cohort and your gender. CPF LIFE is planned to drain to zero at this age. Leave at as i
is to use an estimated number from 2009-2020 life expectancy data.
Before CPF, i.e. your take-home should be less than this, your total (after including employer's contribution) should be more
Assumed 1.5-month bonus every year; feel free to change to match your actual situation
i.e. wages = 0 from this age onwards
Depends on your basket of goods and services (e.g. CPI that includes car/COE prices may not be applicable for someone with
no intention to buy a car). I assume we will follow the fed target rate of 2.5%
Average yearly pay raise, including promotions / job changes; I used typical pay raises (4%) plus 2% for a conservative estimate
In reality whenever you switch jobs or get a promotion it'll jump by 10-30%
On average, the Basic Retirement Sum has increased by about 3.3% per year for cohorts turning 55 from 2017 to 2027.
On average, the Basic Healthcare Sum has increased by about 4.8% per year for cohorts turning 65 from 2016 to 2022.
If you have no intention to have a child, just key in 999
If you have no intention to have a child, just key in 999
If you have no intention to have a child, just key in 999
Once the child reaches this age, his/her expenses are removed
You could visit Malaysia once a year and spend less than $500 per pax, or travel around europe for $5000 per pax. Use a value
that's reasonable for your preferences. Use today's values; inflation will be accounted for.
 Loan Amount: $350,000 ← Input your total housing loan amount
Loan start date: Nov-24 ← Input your loan start date
Term (years) 15 ← Input your loan term
Number of pax: 2 ← Input 1 if you're taking the loan alone, and 2 if taking as part of a co
Loan Amount (per pax): $175,000 ← Assume the debt is split 50:50 with your spouse, if applicable
Term (months) 180 Input your loan interest rates. Most banks have l
↓
Year number Reference Year From To Rate
1 2025 Nov-24 Oct-25 2.60%
2 2026 Nov-25 Oct-26 2.60%
3 2027 Nov-26 Oct-27 2.60%
4 2028 Nov-27 Oct-28 2.60%
5 2029 Nov-28 Oct-29 2.60%
6 2030 Nov-29 Oct-30 2.60%
7 2031 Nov-30 Oct-31 2.60%
8 2032 Nov-31 Oct-32 2.60%
9 2033 Nov-32 Oct-33 2.60%
10 2034 Nov-33 Oct-34 2.60%
11 2035 Nov-34 Oct-35 2.60%
12 2036 Nov-35 Oct-36 2.60%
13 2037 Nov-36 Oct-37 2.60%
14 2038 Nov-37 Oct-38 2.60%
15 2039 Nov-38 Oct-39 2.60%
16 2040 Nov-39 Oct-40 2.60%
17 2041 Nov-40 Oct-41 2.60%
18 2042 Nov-41 Oct-42 2.60%
19 2043 Nov-42 Oct-43 2.60%
20 2044 Nov-43 Oct-44 2.60%
21 2045 Nov-44 Oct-45 2.60%
22 2046 Nov-45 Oct-46 2.60%
23 2047 Nov-46 Oct-47 2.60%
24 2048 Nov-47 Oct-48 2.60%
25 2049 Nov-48 Oct-49 2.60%

Payment number Month Interest rate Starting Balance Payment

TOTAL $211,525
1 Nov-24 2.60% $175,000 $1,175.14
2 Dec-24 2.60% $174,204.03 $1,175.14
3 Jan-25 2.60% $173,406.33 $1,175.14
4 Feb-25 2.60% $172,606.91 $1,175.14
5 Mar-25 2.60% $171,805.76 $1,175.14
6 Apr-25 2.60% $171,002.87 $1,175.14
7 May-25 2.60% $170,198.23 $1,175.14
8 Jun-25 2.60% $169,391.86 $1,175.14
9 Jul-25 2.60% $168,583.74 $1,175.14
10 Aug-25 2.60% $167,773.87 $1,175.14
11 Sep-25 2.60% $166,962.24 $1,175.14
12 Oct-25 2.60% $166,148.85 $1,175.14
13 Nov-25 2.60% $165,333.71 $1,175.14
14 Dec-25 2.60% $164,516.79 $1,175.14
15 Jan-26 2.60% $163,698.11 $1,175.14
16 Feb-26 2.60% $162,877.65 $1,175.14
17 Mar-26 2.60% $162,055.42 $1,175.14
18 Apr-26 2.60% $161,231.40 $1,175.14
19 May-26 2.60% $160,405.60 $1,175.14
20 Jun-26 2.60% $159,578.00 $1,175.14
21 Jul-26 2.60% $158,748.62 $1,175.14
22 Aug-26 2.60% $157,917.44 $1,175.14
23 Sep-26 2.60% $157,084.46 $1,175.14
24 Oct-26 2.60% $156,249.67 $1,175.14
25 Nov-26 2.60% $155,413.07 $1,175.14
26 Dec-26 2.60% $154,574.66 $1,175.14
27 Jan-27 2.60% $153,734.44 $1,175.14
28 Feb-27 2.60% $152,892.39 $1,175.14
29 Mar-27 2.60% $152,048.52 $1,175.14
30 Apr-27 2.60% $151,202.82 $1,175.14
31 May-27 2.60% $150,355.29 $1,175.14
32 Jun-27 2.60% $149,505.93 $1,175.14
33 Jul-27 2.60% $148,654.72 $1,175.14
34 Aug-27 2.60% $147,801.67 $1,175.14
35 Sep-27 2.60% $146,946.77 $1,175.14
36 Oct-27 2.60% $146,090.01 $1,175.14
37 Nov-27 2.60% $145,231.41 $1,175.14
38 Dec-27 2.60% $144,370.94 $1,175.14
39 Jan-28 2.60% $143,508.60 $1,175.14
40 Feb-28 2.60% $142,644.40 $1,175.14
41 Mar-28 2.60% $141,778.33 $1,175.14
42 Apr-28 2.60% $140,910.38 $1,175.14
43 May-28 2.60% $140,040.55 $1,175.14
44 Jun-28 2.60% $139,168.83 $1,175.14
45 Jul-28 2.60% $138,295.23 $1,175.14
46 Aug-28 2.60% $137,419.73 $1,175.14
47 Sep-28 2.60% $136,542.33 $1,175.14
48 Oct-28 2.60% $135,663.04 $1,175.14
49 Nov-28 2.60% $134,781.84 $1,175.14
50 Dec-28 2.60% $133,898.73 $1,175.14
51 Jan-29 2.60% $133,013.71 $1,175.14
52 Feb-29 2.60% $132,126.77 $1,175.14
53 Mar-29 2.60% $131,237.90 $1,175.14
54 Apr-29 2.60% $130,347.12 $1,175.14
55 May-29 2.60% $129,454.40 $1,175.14
56 Jun-29 2.60% $128,559.74 $1,175.14
57 Jul-29 2.60% $127,663.15 $1,175.14
58 Aug-29 2.60% $126,764.62 $1,175.14
59 Sep-29 2.60% $125,864.14 $1,175.14
 60 Oct-29 2.60% $124,961.71 $1,175.14
61 Nov-29 2.60% $124,057.32 $1,175.14
62 Dec-29 2.60% $123,150.98 $1,175.14
63 Jan-30 2.60% $122,242.67 $1,175.14
64 Feb-30 2.60% $121,332.39 $1,175.14
65 Mar-30 2.60% $120,420.14 $1,175.14
66 Apr-30 2.60% $119,505.91 $1,175.14
67 May-30 2.60% $118,589.70 $1,175.14
68 Jun-30 2.60% $117,671.51 $1,175.14
69 Jul-30 2.60% $116,751.33 $1,175.14
70 Aug-30 2.60% $115,829.15 $1,175.14
71 Sep-30 2.60% $114,904.98 $1,175.14
72 Oct-30 2.60% $113,978.80 $1,175.14
73 Nov-30 2.60% $113,050.62 $1,175.14
74 Dec-30 2.60% $112,120.43 $1,175.14
75 Jan-31 2.60% $111,188.22 $1,175.14
76 Feb-31 2.60% $110,253.99 $1,175.14
77 Mar-31 2.60% $109,317.73 $1,175.14
78 Apr-31 2.60% $108,379.45 $1,175.14
79 May-31 2.60% $107,439.14 $1,175.14
80 Jun-31 2.60% $106,496.79 $1,175.14
81 Jul-31 2.60% $105,552.39 $1,175.14
82 Aug-31 2.60% $104,605.95 $1,175.14
83 Sep-31 2.60% $103,657.46 $1,175.14
84 Oct-31 2.60% $102,706.91 $1,175.14
85 Nov-31 2.60% $101,754.31 $1,175.14
86 Dec-31 2.60% $100,799.64 $1,175.14
87 Jan-32 2.60% $99,842.90 $1,175.14
88 Feb-32 2.60% $98,884.09 $1,175.14
89 Mar-32 2.60% $97,923.20 $1,175.14
90 Apr-32 2.60% $96,960.23 $1,175.14
91 May-32 2.60% $95,995.18 $1,175.14
92 Jun-32 2.60% $95,028.03 $1,175.14
93 Jul-32 2.60% $94,058.79 $1,175.14
94 Aug-32 2.60% $93,087.44 $1,175.14
95 Sep-32 2.60% $92,114.00 $1,175.14
96 Oct-32 2.60% $91,138.44 $1,175.14
97 Nov-32 2.60% $90,160.77 $1,175.14
98 Dec-32 2.60% $89,180.98 $1,175.14
99 Jan-33 2.60% $88,199.07 $1,175.14
100 Feb-33 2.60% $87,215.03 $1,175.14
101 Mar-33 2.60% $86,228.86 $1,175.14
102 Apr-33 2.60% $85,240.55 $1,175.14
103 May-33 2.60% $84,250.10 $1,175.14
104 Jun-33 2.60% $83,257.51 $1,175.14
105 Jul-33 2.60% $82,262.76 $1,175.14
106 Aug-33 2.60% $81,265.86 $1,175.14
107 Sep-33 2.60% $80,266.80 $1,175.14
108 Oct-33 2.60% $79,265.57 $1,175.14
109 Nov-33 2.60% $78,262.18 $1,175.14
110 Dec-33 2.60% $77,256.61 $1,175.14
111 Jan-34 2.60% $76,248.86 $1,175.14
112 Feb-34 2.60% $75,238.93 $1,175.14
113 Mar-34 2.60% $74,226.81 $1,175.14
114 Apr-34 2.60% $73,212.50 $1,175.14
115 May-34 2.60% $72,195.99 $1,175.14
116 Jun-34 2.60% $71,177.28 $1,175.14
117 Jul-34 2.60% $70,156.36 $1,175.14
118 Aug-34 2.60% $69,133.23 $1,175.14
119 Sep-34 2.60% $68,107.88 $1,175.14
120 Oct-34 2.60% $67,080.31 $1,175.14
121 Nov-34 2.60% $66,050.51 $1,175.14
122 Dec-34 2.60% $65,018.48 $1,175.14
123 Jan-35 2.60% $63,984.22 $1,175.14
124 Feb-35 2.60% $62,947.72 $1,175.14
125 Mar-35 2.60% $61,908.97 $1,175.14
126 Apr-35 2.60% $60,867.97 $1,175.14
127 May-35 2.60% $59,824.71 $1,175.14
128 Jun-35 2.60% $58,779.19 $1,175.14
129 Jul-35 2.60% $57,731.41 $1,175.14
130 Aug-35 2.60% $56,681.36 $1,175.14
131 Sep-35 2.60% $55,629.03 $1,175.14
132 Oct-35 2.60% $54,574.42 $1,175.14
133 Nov-35 2.60% $53,517.53 $1,175.14
134 Dec-35 2.60% $52,458.35 $1,175.14
135 Jan-36 2.60% $51,396.87 $1,175.14
136 Feb-36 2.60% $50,333.09 $1,175.14
137 Mar-36 2.60% $49,267.01 $1,175.14
138 Apr-36 2.60% $48,198.62 $1,175.14
139 May-36 2.60% $47,127.91 $1,175.14
140 Jun-36 2.60% $46,054.89 $1,175.14
141 Jul-36 2.60% $44,979.54 $1,175.14
142 Aug-36 2.60% $43,901.85 $1,175.14
143 Sep-36 2.60% $42,821.84 $1,175.14
144 Oct-36 2.60% $41,739.48 $1,175.14
145 Nov-36 2.60% $40,654.78 $1,175.14
146 Dec-36 2.60% $39,567.73 $1,175.14
147 Jan-37 2.60% $38,478.32 $1,175.14
148 Feb-37 2.60% $37,386.55 $1,175.14
149 Mar-37 2.60% $36,292.42 $1,175.14
150 Apr-37 2.60% $35,195.92 $1,175.14
151 May-37 2.60% $34,097.04 $1,175.14
152 Jun-37 2.60% $32,995.78 $1,175.14
153 Jul-37 2.60% $31,892.13 $1,175.14
154 Aug-37 2.60% $30,786.10 $1,175.14
155 Sep-37 2.60% $29,677.66 $1,175.14
156 Oct-37 2.60% $28,566.83 $1,175.14
157 Nov-37 2.60% $27,453.58 $1,175.14
158 Dec-37 2.60% $26,337.93 $1,175.14
159 Jan-38 2.60% $25,219.86 $1,175.14
160 Feb-38 2.60% $24,099.36 $1,175.14
161 Mar-38 2.60% $22,976.44 $1,175.14
162 Apr-38 2.60% $21,851.09 $1,175.14
163 May-38 2.60% $20,723.30 $1,175.14
164 Jun-38 2.60% $19,593.06 $1,175.14
165 Jul-38 2.60% $18,460.37 $1,175.14
166 Aug-38 2.60% $17,325.23 $1,175.14
167 Sep-38 2.60% $16,187.64 $1,175.14
168 Oct-38 2.60% $15,047.57 $1,175.14
169 Nov-38 2.60% $13,905.04 $1,175.14
170 Dec-38 2.60% $12,760.03 $1,175.14
171 Jan-39 2.60% $11,612.54 $1,175.14
172 Feb-39 2.60% $10,462.56 $1,175.14
173 Mar-39 2.60% $9,310.09 $1,175.14
174 Apr-39 2.60% $8,155.13 $1,175.14
175 May-39 2.60% $6,997.66 $1,175.14
176 Jun-39 2.60% $5,837.69 $1,175.14
177 Jul-39 2.60% $4,675.20 $1,175.14
178 Aug-39 2.60% $3,510.19 $1,175.14
179 Sep-39 2.60% $2,342.66 $1,175.14
180 Oct-39 2.60% $1,172.60 $1,175.14
181 Nov-39 2.60% $0.00 $0.00
182 Dec-39 2.60% $0.00 $0.00
183 Jan-40 2.60% $0.00 $0.00
184 Feb-40 2.60% $0.00 $0.00
185 Mar-40 2.60% $0.00 $0.00
186 Apr-40 2.60% $0.00 $0.00
187 May-40 2.60% $0.00 $0.00
188 Jun-40 2.60% $0.00 $0.00
189 Jul-40 2.60% $0.00 $0.00
190 Aug-40 2.60% $0.00 $0.00
191 Sep-40 2.60% $0.00 $0.00
192 Oct-40 2.60% $0.00 $0.00
193 Nov-40 2.60% $0.00 $0.00
194 Dec-40 2.60% $0.00 $0.00
195 Jan-41 2.60% $0.00 $0.00
196 Feb-41 2.60% $0.00 $0.00
197 Mar-41 2.60% $0.00 $0.00
198 Apr-41 2.60% $0.00 $0.00
199 May-41 2.60% $0.00 $0.00
200 Jun-41 2.60% $0.00 $0.00
201 Jul-41 2.60% $0.00 $0.00
202 Aug-41 2.60% $0.00 $0.00
203 Sep-41 2.60% $0.00 $0.00
204 Oct-41 2.60% $0.00 $0.00
205 Nov-41 2.60% $0.00 $0.00
206 Dec-41 2.60% $0.00 $0.00
207 Jan-42 2.60% $0.00 $0.00
208 Feb-42 2.60% $0.00 $0.00
209 Mar-42 2.60% $0.00 $0.00
210 Apr-42 2.60% $0.00 $0.00
211 May-42 2.60% $0.00 $0.00
212 Jun-42 2.60% $0.00 $0.00
213 Jul-42 2.60% $0.00 $0.00
214 Aug-42 2.60% $0.00 $0.00
215 Sep-42 2.60% $0.00 $0.00
216 Oct-42 2.60% $0.00 $0.00
217 Nov-42 2.60% $0.00 $0.00
218 Dec-42 2.60% $0.00 $0.00
219 Jan-43 2.60% $0.00 $0.00
220 Feb-43 2.60% $0.00 $0.00
221 Mar-43 2.60% $0.00 $0.00
222 Apr-43 2.60% $0.00 $0.00
223 May-43 2.60% $0.00 $0.00
224 Jun-43 2.60% $0.00 $0.00
225 Jul-43 2.60% $0.00 $0.00
226 Aug-43 2.60% $0.00 $0.00
227 Sep-43 2.60% $0.00 $0.00
228 Oct-43 2.60% $0.00 $0.00
229 Nov-43 2.60% $0.00 $0.00
230 Dec-43 2.60% $0.00 $0.00
231 Jan-44 2.60% $0.00 $0.00
232 Feb-44 2.60% $0.00 $0.00
233 Mar-44 2.60% $0.00 $0.00
234 Apr-44 2.60% $0.00 $0.00
235 May-44 2.60% $0.00 $0.00
236 Jun-44 2.60% $0.00 $0.00
237 Jul-44 2.60% $0.00 $0.00
238 Aug-44 2.60% $0.00 $0.00
239 Sep-44 2.60% $0.00 $0.00
240 Oct-44 2.60% $0.00 $0.00
241 Nov-44 2.60% $0.00 $0.00
242 Dec-44 2.60% $0.00 $0.00
243 Jan-45 2.60% $0.00 $0.00
244 Feb-45 2.60% $0.00 $0.00
245 Mar-45 2.60% $0.00 $0.00
246 Apr-45 2.60% $0.00 $0.00
247 May-45 2.60% $0.00 $0.00
248 Jun-45 2.60% $0.00 $0.00
249 Jul-45 2.60% $0.00 $0.00
250 Aug-45 2.60% $0.00 $0.00
251 Sep-45 2.60% $0.00 $0.00
252 Oct-45 2.60% $0.00 $0.00
253 Nov-45 2.60% $0.00 $0.00
254 Dec-45 2.60% $0.00 $0.00
255 Jan-46 2.60% $0.00 $0.00
256 Feb-46 2.60% $0.00 $0.00
257 Mar-46 2.60% $0.00 $0.00
258 Apr-46 2.60% $0.00 $0.00
259 May-46 2.60% $0.00 $0.00
260 Jun-46 2.60% $0.00 $0.00
261 Jul-46 2.60% $0.00 $0.00
262 Aug-46 2.60% $0.00 $0.00
263 Sep-46 2.60% $0.00 $0.00
264 Oct-46 2.60% $0.00 $0.00
265 Nov-46 2.60% $0.00 $0.00
266 Dec-46 2.60% $0.00 $0.00
267 Jan-47 2.60% $0.00 $0.00
268 Feb-47 2.60% $0.00 $0.00
269 Mar-47 2.60% $0.00 $0.00
270 Apr-47 2.60% $0.00 $0.00
271 May-47 2.60% $0.00 $0.00
272 Jun-47 2.60% $0.00 $0.00
273 Jul-47 2.60% $0.00 $0.00
274 Aug-47 2.60% $0.00 $0.00
275 Sep-47 2.60% $0.00 $0.00
276 Oct-47 2.60% $0.00 $0.00
277 Nov-47 2.60% $0.00 $0.00
278 Dec-47 2.60% $0.00 $0.00
279 Jan-48 2.60% $0.00 $0.00
280 Feb-48 2.60% $0.00 $0.00
281 Mar-48 2.60% $0.00 $0.00
282 Apr-48 2.60% $0.00 $0.00
283 May-48 2.60% $0.00 $0.00
284 Jun-48 2.60% $0.00 $0.00
285 Jul-48 2.60% $0.00 $0.00
286 Aug-48 2.60% $0.00 $0.00
287 Sep-48 2.60% $0.00 $0.00
288 Oct-48 2.60% $0.00 $0.00
289 Nov-48 2.60% $0.00 $0.00
290 Dec-48 2.60% $0.00 $0.00
291 Jan-49 2.60% $0.00 $0.00
292 Feb-49 2.60% $0.00 $0.00
293 Mar-49 2.60% $0.00 $0.00
294 Apr-49 2.60% $0.00 $0.00
295 May-49 2.60% $0.00 $0.00
296 Jun-49 2.60% $0.00 $0.00
297 Jul-49 2.60% $0.00 $0.00
298 Aug-49 2.60% $0.00 $0.00
299 Sep-49 2.60% $0.00 $0.00
300 Oct-49 2.60% $0.00 $0.00
loan alone, and 2 if taking as part of a couple
:50 with your spouse, if applicable
r loan interest rates. Most banks have locked-in rates for first few years. HDB loan is fixed at 2.6%

Monthly Instalment % of income (max 30%) ← Note that the MSR is capped at 30% of borrower's gross m
$1,175 21.4%
$1,175 21.4%
$1,175 21.4%
$1,175 21.4%
$1,175 21.4%
$1,175 21.4%
$1,175 21.4%
$1,175 21.4%
$1,175 21.4%
$1,175 21.4%
$1,175 21.4%
$1,175 21.4%
$1,175 21.4%
$1,175 21.4%
$1,175 21.4%
$0 0.0%
$0 0.0%
$0 0.0%
$0 0.0%
$0 0.0%
$0 0.0%
$0 0.0%
$0 0.0%
$0 0.0%
$0 0.0%

Extra payment Interest paid Principal paid Ending balance

$211,525 $36,525 $175,000
$0 $379.17 $795.97 $174,204.03
$0 $377.44 $797.69 $173,406.33
$0 $375.71 $799.42 $172,606.91
$0 $373.98 $801.16 $171,805.76
$0 $372.25 $802.89 $171,002.87
$0 $370.51 $804.63 $170,198.23
$0 $368.76 $806.37 $169,391.86
$0 $367.02 $808.12 $168,583.74
$0 $365.26 $809.87 $167,773.87
$0 $363.51 $811.63 $166,962.24
$0 $361.75 $813.39 $166,148.85
$0 $359.99 $815.15 $165,333.71
$0 $358.22 $816.91 $164,516.79
$0 $356.45 $818.68 $163,698.11
$0 $354.68 $820.46 $162,877.65
$0 $352.90 $822.24 $162,055.42
$0 $351.12 $824.02 $161,231.40
$0 $349.33 $825.80 $160,405.60
$0 $347.55 $827.59 $159,578.00
$0 $345.75 $829.38 $158,748.62
$0 $343.96 $831.18 $157,917.44
$0 $342.15 $832.98 $157,084.46
$0 $340.35 $834.79 $156,249.67
$0 $338.54 $836.60 $155,413.07
$0 $336.73 $838.41 $154,574.66
$0 $334.91 $840.23 $153,734.44
$0 $333.09 $842.05 $152,892.39
$0 $331.27 $843.87 $152,048.52
$0 $329.44 $845.70 $151,202.82
$0 $327.61 $847.53 $150,355.29
$0 $325.77 $849.37 $149,505.93
$0 $323.93 $851.21 $148,654.72
$0 $322.09 $853.05 $147,801.67
$0 $320.24 $854.90 $146,946.77
$0 $318.38 $856.75 $146,090.01
$0 $316.53 $858.61 $145,231.41
$0 $314.67 $860.47 $144,370.94
$0 $312.80 $862.33 $143,508.60
$0 $310.94 $864.20 $142,644.40
$0 $309.06 $866.07 $141,778.33
$0 $307.19 $867.95 $140,910.38
$0 $305.31 $869.83 $140,040.55
$0 $303.42 $871.72 $139,168.83
$0 $301.53 $873.60 $138,295.23
$0 $299.64 $875.50 $137,419.73
$0 $297.74 $877.39 $136,542.33
$0 $295.84 $879.30 $135,663.04
$0 $293.94 $881.20 $134,781.84
$0 $292.03 $883.11 $133,898.73
$0 $290.11 $885.02 $133,013.71
$0 $288.20 $886.94 $132,126.77
$0 $286.27 $888.86 $131,237.90
$0 $284.35 $890.79 $130,347.12
$0 $282.42 $892.72 $129,454.40
$0 $280.48 $894.65 $128,559.74
$0 $278.55 $896.59 $127,663.15
$0 $276.60 $898.53 $126,764.62
$0 $274.66 $900.48 $125,864.14
$0 $272.71 $902.43 $124,961.71
$0 $270.75 $904.39 $124,057.32
$0 $268.79 $906.35 $123,150.98
$0 $266.83 $908.31 $122,242.67
$0 $264.86 $910.28 $121,332.39
$0 $262.89 $912.25 $120,420.14
$0 $260.91 $914.23 $119,505.91
$0 $258.93 $916.21 $118,589.70
$0 $256.94 $918.19 $117,671.51
$0 $254.95 $920.18 $116,751.33
$0 $252.96 $922.18 $115,829.15
$0 $250.96 $924.17 $114,904.98
$0 $248.96 $926.18 $113,978.80
$0 $246.95 $928.18 $113,050.62
$0 $244.94 $930.19 $112,120.43
$0 $242.93 $932.21 $111,188.22
$0 $240.91 $934.23 $110,253.99
$0 $238.88 $936.25 $109,317.73
$0 $236.86 $938.28 $108,379.45
$0 $234.82 $940.31 $107,439.14
$0 $232.78 $942.35 $106,496.79
$0 $230.74 $944.39 $105,552.39
$0 $228.70 $946.44 $104,605.95
$0 $226.65 $948.49 $103,657.46
$0 $224.59 $950.55 $102,706.91
$0 $222.53 $952.61 $101,754.31
$0 $220.47 $954.67 $100,799.64
$0 $218.40 $956.74 $99,842.90
$0 $216.33 $958.81 $98,884.09
$0 $214.25 $960.89 $97,923.20
$0 $212.17 $962.97 $96,960.23
$0 $210.08 $965.06 $95,995.18
$0 $207.99 $967.15 $95,028.03
$0 $205.89 $969.24 $94,058.79
$0 $203.79 $971.34 $93,087.44
$0 $201.69 $973.45 $92,114.00
$0 $199.58 $975.56 $91,138.44
$0 $197.47 $977.67 $90,160.77
$0 $195.35 $979.79 $89,180.98
$0 $193.23 $981.91 $88,199.07
$0 $191.10 $984.04 $87,215.03
$0 $188.97 $986.17 $86,228.86
$0 $186.83 $988.31 $85,240.55
$0 $184.69 $990.45 $84,250.10
$0 $182.54 $992.60 $83,257.51
$0 $180.39 $994.75 $82,262.76
$0 $178.24 $996.90 $81,265.86
$0 $176.08 $999.06 $80,266.80
$0 $173.91 $1,001.23 $79,265.57
$0 $171.74 $1,003.39 $78,262.18
$0 $169.57 $1,005.57 $77,256.61
$0 $167.39 $1,007.75 $76,248.86
$0 $165.21 $1,009.93 $75,238.93
$0 $163.02 $1,012.12 $74,226.81
$0 $160.82 $1,014.31 $73,212.50
$0 $158.63 $1,016.51 $72,195.99
$0 $156.42 $1,018.71 $71,177.28
$0 $154.22 $1,020.92 $70,156.36
$0 $152.01 $1,023.13 $69,133.23
$0 $149.79 $1,025.35 $68,107.88
$0 $147.57 $1,027.57 $67,080.31
$0 $145.34 $1,029.80 $66,050.51
$0 $143.11 $1,032.03 $65,018.48
$0 $140.87 $1,034.26 $63,984.22
$0 $138.63 $1,036.50 $62,947.72
$0 $136.39 $1,038.75 $61,908.97
$0 $134.14 $1,041.00 $60,867.97
$0 $131.88 $1,043.26 $59,824.71
$0 $129.62 $1,045.52 $58,779.19
$0 $127.35 $1,047.78 $57,731.41
$0 $125.08 $1,050.05 $56,681.36
$0 $122.81 $1,052.33 $55,629.03
$0 $120.53 $1,054.61 $54,574.42
$0 $118.24 $1,056.89 $53,517.53
$0 $115.95 $1,059.18 $52,458.35
$0 $113.66 $1,061.48 $51,396.87
$0 $111.36 $1,063.78 $50,333.09
$0 $109.06 $1,066.08 $49,267.01
$0 $106.75 $1,068.39 $48,198.62
$0 $104.43 $1,070.71 $47,127.91
$0 $102.11 $1,073.03 $46,054.89
$0 $99.79 $1,075.35 $44,979.54
$0 $97.46 $1,077.68 $43,901.85
$0 $95.12 $1,080.02 $42,821.84
$0 $92.78 $1,082.36 $41,739.48
$0 $90.44 $1,084.70 $40,654.78
$0 $88.09 $1,087.05 $39,567.73
$0 $85.73 $1,089.41 $38,478.32
$0 $83.37 $1,091.77 $37,386.55
$0 $81.00 $1,094.13 $36,292.42
$0 $78.63 $1,096.50 $35,195.92
$0 $76.26 $1,098.88 $34,097.04
$0 $73.88 $1,101.26 $32,995.78
$0 $71.49 $1,103.65 $31,892.13
$0 $69.10 $1,106.04 $30,786.10
$0 $66.70 $1,108.43 $29,677.66
$0 $64.30 $1,110.84 $28,566.83
$0 $61.89 $1,113.24 $27,453.58
$0 $59.48 $1,115.65 $26,337.93
$0 $57.07 $1,118.07 $25,219.86
$0 $54.64 $1,120.49 $24,099.36
$0 $52.22 $1,122.92 $22,976.44
$0 $49.78 $1,125.35 $21,851.09
$0 $47.34 $1,127.79 $20,723.30
$0 $44.90 $1,130.24 $19,593.06
$0 $42.45 $1,132.69 $18,460.37
$0 $40.00 $1,135.14 $17,325.23
$0 $37.54 $1,137.60 $16,187.64
$0 $35.07 $1,140.06 $15,047.57
$0 $32.60 $1,142.53 $13,905.04
$0 $30.13 $1,145.01 $12,760.03
$0 $27.65 $1,147.49 $11,612.54
$0 $25.16 $1,149.98 $10,462.56
$0 $22.67 $1,152.47 $9,310.09
$0 $20.17 $1,154.97 $8,155.13
$0 $17.67 $1,157.47 $6,997.66
$0 $15.16 $1,159.98 $5,837.69
$0 $12.65 $1,162.49 $4,675.20
$0 $10.13 $1,165.01 $3,510.19
$0 $7.61 $1,167.53 $2,342.66
$0 $5.08 $1,170.06 $1,172.60
$0 $2.54 $1,172.60 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
$0 $0.00 $0.00 $0.00
ed at 30% of borrower's gross monthly income, as of 2022
 number of dependants
Item 1 2 3 0
Food and non-alcoholic beverages $72.20 $83.01 $101.67 $47.62
Restaurant food $0.00 $0.00 $0.00 $11.89
Hawker food, food courts $217.95 $305.05 $387.95 $35.98
Clothing $30.46 $43.12 $55.77 $10.97
Footwear $6.34 $8.86 $11.37 $1.82
Public transport $83.23 $98.32 $113.42 $26.13
Housing purchase - - - -
Housing maintenance $9.53 $5.90 $5.90 $1.88
Utilities $80.99 $47.67 $47.67 $19.45
Household durables $34.31 $41.87 $43.93 $16.98
Household services and supplies $7.70 $7.70 $7.70 $4.44
Medical products $30.26 $39.69 $49.12 $0.92
Healthcare $36.59 $48.67 $60.75 $18.37
Communication $25.89 $31.47 $37.05 $6.53
Recreation and entertainment $134.42 $179.77 $225.12 $54.38
Newspapers, books and stationery $2.68 $5.18 $7.67 $0.07
Holiday expenses - - - -
Tuition and other fees $426.73 $853.45 $1,280.18 $0.00
School textbooks, study guides $5.75 $11.51 $17.26 $0.00
Personal care $41.62 $54.62 $67.62 $18.70
Personal effects $8.01 $10.26 $12.58 $2.00
Insurance $23.85 $23.83 $23.83 $0.01
Social support services $0.00 $0.00 $0.00 $0.00
Total weekly budget $1,278.51 $1,899.95 $2,556.56 $278.14
Monthly budget $5,114.04 $7,599.80 $10,226.24 $1,112.56
Monthly Expenses Per Pax (50:50
$2,557.02 $3,799.90 $5,113.12 $1,112.56
split between husband and wife)

Year in which study was conducted: 2019

https://whatsenough.sg/whats-enough-for-you/

Note: Values were taken for Female Children 18-25 years old as this set of values
are the most expensive. This allows for a more conservative estimate. Housing
Purchase costs and Holiday expenses are removed and considered separately as
these can vary greatly and have a large impact on the budget.
 Basic Info Wages

Number of OW subject AW subject

Idx Year Age BRS BHS OW AW
dependants to CPF to CPF

0 2021 31 0 $96,000 $66,000

1 2022 32 0 $96,000 $66,000 $66,000 $8,250 $66,000 $8,250
2 2023 33 1 $99,168 $69,168 $69,960 $8,745 $69,960 $8,745
3 2024 34 1 $102,441 $72,488 $74,158 $9,270 $72,000 $9,270
4 2025 35 2 $105,821 $75,967 $78,607 $9,826 $72,000 $9,826
5 2026 36 2 $109,313 $79,614 $83,323 $10,415 $72,000 $10,415
6 2027 37 2 $112,921 $83,435 $88,323 $11,040 $72,000 $11,040
7 2028 38 2 $116,647 $87,440 $93,622 $11,703 $72,000 $11,703
8 2029 39 2 $120,496 $91,637 $99,240 $12,405 $72,000 $12,405
9 2030 40 2 $124,473 $96,036 $105,194 $13,149 $72,000 $13,149
10 2031 41 2 $128,580 $100,646 $111,506 $13,938 $72,000 $13,938
11 2032 42 2 $132,823 $105,477 $118,196 $14,774 $72,000 $14,774
12 2033 43 2 $137,207 $110,540 $125,288 $15,661 $72,000 $15,661
13 2034 44 2 $141,734 $115,846 $132,805 $16,601 $72,000 $16,601
14 2035 45 2 $146,412 $121,406 $140,773 $17,597 $72,000 $17,597
15 2036 46 2 $151,243 $127,234 $149,220 $18,652 $72,000 $18,652
16 2037 47 2 $156,234 $133,341 $158,173 $19,772 $72,000 $19,772
17 2038 48 2 $161,390 $139,741 $167,663 $20,958 $72,000 $20,958
18 2039 49 2 $166,716 $146,449 $177,723 $22,215 $72,000 $22,215
19 2040 50 2 $172,217 $153,478 $188,386 $23,548 $72,000 $23,548
20 2041 51 2 $177,901 $160,845 $0 $0 $0 $0
21 2042 52 2 $183,771 $168,566 $0 $0 $0 $0
22 2043 53 2 $189,836 $176,657 $0 $0 $0 $0
23 2044 54 2 $196,100 $185,137 $0 $0 $0 $0
24 2045 55 2 $202,572 $194,023 $0 $0 $0 $0
25 2046 56 2 $202,572 $203,336 $0 $0 $0 $0
26 2047 57 1 $202,572 $213,096 $0 $0 $0 $0
27 2048 58 1 $202,572 $223,325 $0 $0 $0 $0
28 2049 59 0 $202,572 $234,045 $0 $0 $0 $0
29 2050 60 0 $202,572 $245,279 $0 $0 $0 $0
30 2051 61 0 $202,572 $257,052 $0 $0 $0 $0
31 2052 62 0 $202,572 $269,391 $0 $0 $0 $0
32 2053 63 0 $202,572 $282,321 $0 $0 $0 $0
33 2054 64 0 $202,572 $295,873 $0 $0 $0 $0
34 2055 65 0 $202,572 $310,075 $0 $0 $0 $0
35 2056 66 0 $202,572 $310,075 $0 $0 $0 $0
36 2057 67 0 $202,572 $310,075 $0 $0 $0 $0
37 2058 68 0 $202,572 $310,075 $0 $0 $0 $0
38 2059 69 0 $202,572 $310,075 $0 $0 $0 $0
39 2060 70 0 $202,572 $310,075 $0 $0 $0 $0
40 2061 71 0 $202,572 $310,075 $0 $0 $0 $0
41 2062 72 0 $202,572 $310,075 $0 $0 $0 $0
42 2063 73 0 $202,572 $310,075 $0 $0 $0 $0
43 2064 74 0 $202,572 $310,075 $0 $0 $0 $0
44 2065 75 0 $202,572 $310,075 $0 $0 $0 $0
45 2066 76 0 $202,572 $310,075 $0 $0 $0 $0
46 2067 77 0 $202,572 $310,075 $0 $0 $0 $0
47 2068 78 0 $202,572 $310,075 $0 $0 $0 $0
48 2069 79 0 $202,572 $310,075 $0 $0 $0 $0
49 2070 80 0 $202,572 $310,075 $0 $0 $0 $0
50 2071 81 0 $202,572 $310,075 $0 $0 $0 $0
51 2072 82 0 $202,572 $310,075 $0 $0 $0 $0
52 2073 83 0 $202,572 $310,075 $0 $0 $0 $0
53 2074 84 0 $202,572 $310,075 $0 $0 $0 $0
54 2075 85 0 $202,572 $310,075 $0 $0 $0 $0
55 2076 86 0 $202,572 $310,075 $0 $0 $0 $0
56 2077 87 0 $202,572 $310,075 $0 $0 $0 $0
57 2078 88 0 $202,572 $310,075 $0 $0 $0 $0
58 2079 89 0 $202,572 $310,075 $0 $0 $0 $0
59 2080 90 0 $202,572 $310,075 $0 $0 $0 $0
60 2081 91 0 $202,572 $310,075 $0 $0 $0 $0
61 2082 92 0 $202,572 $310,075 $0 $0 $0 $0
62 2083 93 0 $202,572 $310,075 $0 $0 $0 $0
63 2084 94 0 $202,572 $310,075 $0 $0 $0 $0
64 2085 95 0 $202,572 $310,075 $0 $0 $0 $0
65 2086 96 0 $202,572 $310,075 $0 $0 $0 $0
66 2087 97 0 $202,572 $310,075 $0 $0 $0 $0
67 2088 98 0 $202,572 $310,075 $0 $0 $0 $0
68 2089 99 0 $202,572 $310,075 $0 $0 $0 $0
69 2090 100 0 $202,572 $310,075 $0 $0 $0 $0
70 2091 101 0 $202,572 $310,075 $0 $0 $0 $0
71 2092 102 0 $202,572 $310,075 $0 $0 $0 $0
72 2093 103 0 $202,572 $310,075 $0 $0 $0 $0
73 2094 104 0 $202,572 $310,075 $0 $0 $0 $0
74 2095 105 0 $202,572 $310,075 $0 $0 $0 $0
75 2096 106 0 $202,572 $310,075 $0 $0 $0 $0
76 2097 107 0 $202,572 $310,075 $0 $0 $0 $0
77 2098 108 0 $202,572 $310,075 $0 $0 $0 $0
78 2099 109 0 $202,572 $310,075 $0 $0 $0 $0
79 2100 110 0 $202,572 $310,075 $0 $0 $0 $0
80 2101 111 0 $202,572 $310,075 $0 $0 $0 $0
81 2102 112 0 $202,572 $310,075 $0 $0 $0 $0
82 2103 113 0 $202,572 $310,075 $0 $0 $0 $0
83 2104 114 0 $202,572 $310,075 $0 $0 $0 $0
84 2105 115 0 $202,572 $310,075 $0 $0 $0 $0
85 2106 116 0 $202,572 $310,075 $0 $0 $0 $0
86 2107 117 0 $202,572 $310,075 $0 $0 $0 $0
87 2108 118 0 $202,572 $310,075 $0 $0 $0 $0
88 2109 119 0 $202,572 $310,075 $0 $0 $0 $0
89 2110 120 0 $202,572 $310,075 $0 $0 $0 $0
 Wages

CPF OA CPF SA Medisave CPF OA base CPF SA base CPF RA base

Take-home
Contributions Contributions Contributions interest interest interest

$59,400 $17,080 $4,453 $5,940 $1,250 $500 $0

$62,964 $18,104 $4,720 $6,296 $1,708 $634 $0
$67,173 $18,694 $4,874 $6,501 $2,204 $779 $0
$72,068 $18,822 $4,908 $6,546 $2,726 $933 $0
$77,256 $17,311 $5,766 $7,416 $3,265 $1,094 $0
$82,755 $17,443 $5,810 $7,472 $3,779 $1,280 $0
$88,584 $17,582 $5,856 $7,532 $4,310 $1,472 $0
$94,764 $17,729 $5,906 $7,595 $4,857 $1,676 $0
$101,313 $17,886 $5,958 $7,662 $5,422 $2,020 $0
$108,256 $18,051 $6,013 $7,733 $6,004 $2,374 $0
$115,616 $18,227 $6,071 $7,808 $6,606 $2,736 $0
$123,416 $18,413 $6,133 $7,888 $7,226 $3,109 $0
$131,685 $18,610 $6,199 $7,973 $7,867 $3,491 $0
$140,451 $18,820 $6,269 $8,062 $8,529 $3,884 $0
$149,742 $17,227 $7,252 $9,063 $9,213 $4,288 $0
$159,590 $17,440 $7,341 $9,175 $9,874 $4,749 $0
$170,030 $17,665 $7,436 $9,293 $10,557 $5,222 $0
$181,095 $17,904 $7,537 $9,419 $11,263 $5,709 $0
$192,825 $18,157 $7,643 $9,552 $11,992 $6,210 $0
$0 $0 $0 $0 $12,745 $6,726 $0
$0 $0 $0 $0 $13,064 $6,909 $0
$0 $0 $0 $0 $13,391 $7,097 $0
$0 $0 $0 $0 $13,725 $7,290 $0
$0 $0 $0 $0 $14,069 $7,487 $0
$0 $0 $0 $0 $6,911 $0 $15,200
$0 $0 $0 $0 $7,084 $0 $15,603
$0 $0 $0 $0 $7,261 $0 $16,015
$0 $0 $0 $0 $7,443 $0 $16,438
$0 $0 $0 $0 $7,629 $0 $16,872
$0 $0 $0 $0 $7,820 $0 $17,316
$0 $0 $0 $0 $8,015 $0 $17,771
$0 $0 $0 $0 $8,215 $0 $18,238
$0 $0 $0 $0 $8,421 $0 $18,717
$0 $0 $0 $0 $8,631 $0 $19,207
$0 $0 $0 $0 $8,847 $0 $19,710
$0 $0 $0 $0 $9,068 $0 $20,225
$0 $0 $0 $0 $9,295 $0 $19,453
$0 $0 $0 $0 $9,527 $0 $18,636
$0 $0 $0 $0 $9,766 $0 $17,772
$0 $0 $0 $0 $10,010 $0 $16,859
$0 $0 $0 $0 $10,260 $0 $15,896
$0 $0 $0 $0 $10,517 $0 $14,880
$0 $0 $0 $0 $10,779 $0 $13,811
$0 $0 $0 $0 $11,049 $0 $12,685
$0 $0 $0 $0 $11,325 $0 $11,501
$0 $0 $0 $0 $11,608 $0 $10,258
$0 $0 $0 $0 $11,898 $0 $8,952
$0 $0 $0 $0 $12,196 $0 $7,582
$0 $0 $0 $0 $12,501 $0 $6,245
$0 $0 $0 $0 $12,813 $0 $4,936
$0 $0 $0 $0 $13,134 $0 $3,560
$0 $0 $0 $0 $13,462 $0 $2,116
$0 $0 $0 $0 $13,799 $0 $600
$0 $0 $0 $0 $14,144 $0 $0
$0 $0 $0 $0 $14,497 $0 $0
$0 $0 $0 $0 $14,860 $0 $0
$0 $0 $0 $0 $15,231 $0 $0
$0 $0 $0 $0 $15,612 $0 $0
$0 $0 $0 $0 $16,002 $0 $0
$0 $0 $0 $0 $16,402 $0 $0
$0 $0 $0 $0 $16,812 $0 $0
$0 $0 $0 $0 $17,233 $0 $0
$0 $0 $0 $0 $17,663 $0 $0
$0 $0 $0 $0 $18,105 $0 $0
$0 $0 $0 $0 $18,558 $0 $0
$0 $0 $0 $0 $19,022 $0 $0
$0 $0 $0 $0 $19,497 $0 $0
$0 $0 $0 $0 $19,984 $0 $0
$0 $0 $0 $0 $20,484 $0 $0
$0 $0 $0 $0 $20,996 $0 $0
$0 $0 $0 $0 $21,521 $0 $0
$0 $0 $0 $0 $22,059 $0 $0
$0 $0 $0 $0 $22,611 $0 $0
$0 $0 $0 $0 $23,176 $0 $0
$0 $0 $0 $0 $23,755 $0 $0
$0 $0 $0 $0 $24,349 $0 $0
$0 $0 $0 $0 $24,958 $0 $0
$0 $0 $0 $0 $25,582 $0 $0
$0 $0 $0 $0 $26,221 $0 $0
$0 $0 $0 $0 $26,877 $0 $0
$0 $0 $0 $0 $27,549 $0 $0
$0 $0 $0 $0 $28,238 $0 $0
$0 $0 $0 $0 $28,943 $0 $0
$0 $0 $0 $0 $29,667 $0 $0
$0 $0 $0 $0 $30,409 $0 $0
$0 $0 $0 $0 $31,169 $0 $0
$0 $0 $0 $0 $31,948 $0 $0
$0 $0 $0 $0 $32,747 $0 $0
$0 $0 $0 $0 $33,566 $0 $0
 CPF Calculations

Combined CPF Combined CPF Combined CPF Combined CPF balance

Medisave
balance eligible for balance eligible for balance eligible for eligible for extra
base interest
extra interest (OA) extra interest (SA) extra interest (RA) interest (Medisave)

$750 $20,000 $20,000 $0 $20,000

$925 $20,000 $25,353 $0 $14,647
$1,111 $20,000 $31,161 $0 $8,839
$1,304 $20,000 $37,326 $0 $2,674
$1,502 $20,000 $40,000 $0 $0
$1,725 $20,000 $40,000 $0 $0
$1,954 $20,000 $40,000 $0 $0
$2,186 $20,000 $40,000 $0 $0
$2,291 $20,000 $40,000 $0 $0
$2,401 $20,000 $40,000 $0 $0
$2,516 $20,000 $40,000 $0 $0
$2,637 $20,000 $40,000 $0 $0
$2,763 $20,000 $40,000 $0 $0
$2,896 $20,000 $40,000 $0 $0
$3,035 $20,000 $40,000 $0 $0
$3,181 $20,000 $40,000 $0 $0
$3,334 $20,000 $40,000 $0 $0
$3,494 $20,000 $40,000 $0 $0
$3,661 $20,000 $40,000 $0 $0
$3,837 $20,000 $40,000 $0 $0
$3,933 $20,000 $40,000 $0 $0
$4,031 $20,000 $40,000 $0 $0
$4,132 $20,000 $40,000 $0 $0
$4,235 $20,000 $40,000 $0 $0
$4,341 $0 $0 $60,000 $0
$4,450 $0 $0 $60,000 $0
$4,561 $0 $0 $60,000 $0
$4,675 $0 $0 $60,000 $0
$4,792 $0 $0 $60,000 $0
$4,912 $0 $0 $60,000 $0
$5,034 $0 $0 $60,000 $0
$5,160 $0 $0 $60,000 $0
$5,289 $0 $0 $60,000 $0
$5,422 $0 $0 $60,000 $0
$5,557 $0 $0 $60,000 $0
$5,696 $0 $0 $60,000 $0
$5,838 $0 $0 $60,000 $0
$5,984 $0 $0 $60,000 $0
$6,134 $0 $0 $60,000 $0
$6,287 $0 $0 $60,000 $0
$6,444 $0 $0 $60,000 $0
$6,606 $0 $0 $60,000 $0
$6,771 $0 $0 $60,000 $0
$6,940 $0 $0 $60,000 $0
$7,114 $0 $0 $60,000 $0
$7,291 $0 $0 $60,000 $0
$7,474 $0 $0 $60,000 $0
$7,660 $0 $0 $60,000 $0
$7,752 $0 $0 $60,000 $0
$7,752 $0 $0 $60,000 $0
$7,752 $0 $0 $60,000 $0
$7,752 $0 $0 $60,000 $0
$7,752 $0 $0 $60,000 $0
$7,752 $0 $0 $60,000 $0
$7,752 $0 $0 $60,000 $0
$7,752 $0 $0 $60,000 $0
$7,752 $0 $0 $60,000 $0
$7,752 $0 $0 $60,000 $0
$7,752 $20,000 $0 $30,394 $9,606
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
 Planned Inflow / Outflows
Planned Planned
CPF OA CPF SA CPF RA Medisave
Liquid Cash Illiquid Cash Housing Expenses
extra extra extra extra
inflow / inflow / Loan (incl Holiday)
interest interest interest interest
(outflow) (outflow)

$200 $200 $0 $300 ($14,850) $5,940 $0 $15,351

$200 $254 $0 $220 ($15,741) $6,296 $0 $34,526
$200 $312 $0 $133 ($16,793) $6,717 $0 $35,390
$200 $373 $0 $40 ($18,017) $7,207 $14,102 $53,412
$200 $400 $0 $0 ($19,314) $7,726 $14,102 $54,748
$200 $400 $0 $0 ($20,689) $8,276 $14,102 $56,116
$200 $400 $0 $0 ($22,146) $8,858 $14,102 $57,519
$200 $400 $0 $0 ($23,691) $9,476 $14,102 $58,957
$200 $400 $0 $0 ($25,328) $10,131 $14,102 $60,431
$200 $400 $0 $0 ($27,064) $10,826 $14,102 $61,942
$200 $400 $0 $0 ($28,904) $11,562 $14,102 $63,491
$200 $400 $0 $0 ($30,854) $12,342 $14,102 $65,078
$200 $400 $0 $0 ($32,921) $13,169 $14,102 $66,705
$200 $400 $0 $0 ($35,113) $14,045 $14,102 $68,372
$200 $400 $0 $0 ($37,435) $14,974 $14,102 $70,082
$200 $400 $0 $0 ($39,898) $15,959 $14,102 $71,834
$200 $400 $0 $0 ($18,507) ($6,997) $14,102 $73,630
$200 $400 $0 $0 ($21,274) ($5,890) $14,102 $75,470
$200 $400 $0 $0 ($24,206) ($4,717) $0 $77,357
$200 $400 $0 $0 $24,000 ($24,000) $0 $79,291
$200 $400 $0 $0 $24,000 ($24,000) $0 $81,273
$200 $400 $0 $0 $24,000 ($24,000) $0 $83,305
$200 $400 $0 $0 $24,000 ($24,000) $0 $85,388
$300 $400 $0 $0 $24,000 ($24,000) $0 $87,523
$0 $0 $900 $0 $24,000 ($24,000) $0 $89,711
$0 $0 $900 $0 $24,000 ($24,000) $0 $62,449
$0 $0 $900 $0 $24,000 ($24,000) $0 $64,010
$0 $0 $900 $0 $24,000 ($24,000) $0 $29,900
$0 $0 $900 $0 $24,000 ($24,000) $0 $30,648
$0 $0 $900 $0 $24,000 ($24,000) $0 $31,414
$0 $0 $900 $0 $24,000 ($24,000) $0 $32,199
$0 $0 $900 $0 $24,000 ($24,000) $0 $33,004
$0 $0 $900 $0 $24,000 ($24,000) $0 $33,829
$0 $0 $900 $0 $24,000 ($24,000) $0 $34,675
$0 $0 $900 $0 $24,000 ($24,000) $0 $35,542
$0 $0 $900 $0 $24,000 ($24,000) $0 $36,430
$0 $0 $900 $0 $24,000 ($24,000) $0 $37,341
$0 $0 $900 $0 $24,000 ($24,000) $0 $38,275
$0 $0 $900 $0 $24,000 ($24,000) $0 $39,232
$0 $0 $900 $0 $24,000 ($24,000) $0 $40,212
$0 $0 $900 $0 $24,000 ($24,000) $0 $41,218
$0 $0 $900 $0 $24,000 ($24,000) $0 $42,248
$0 $0 $900 $0 $24,000 ($24,000) $0 $43,304
$0 $0 $900 $0 $24,000 ($24,000) $0 $44,387
$0 $0 $900 $0 $24,000 ($24,000) $0 $45,497
 $0 $0 $900 $0 $24,000 ($24,000) $0 $46,634
$0 $0 $900 $0 $24,000 ($24,000) $0 $47,800
$0 $0 $900 $0 $24,000 ($24,000) $0 $48,995
$0 $0 $900 $0 $24,000 ($24,000) $0 $50,220
$0 $0 $900 $0 $24,000 ($24,000) $0 $51,475
$0 $0 $900 $0 $24,000 ($24,000) $0 $52,762
$0 $0 $900 $0 $24,000 ($24,000) $0 $54,081
$0 $0 $900 $0 $24,000 ($24,000) $0 $55,433
$0 $0 $900 $0 $24,000 ($24,000) $0 $56,819
$0 $0 $900 $0 $24,000 ($24,000) $0 $58,239
$0 $0 $900 $0 $24,000 ($24,000) $0 $59,695
$0 $0 $900 $0 $24,000 ($24,000) $0 $61,188
$0 $0 $900 $0 $24,000 ($24,000) $0 $62,718
$300 $0 $456 $144 $24,000 ($24,000) $0 $64,285
$300 $0 $0 $600 $24,000 ($24,000) $0 $65,893
$300 $0 $0 $600 $24,000 ($24,000) $0 $67,540
$300 $0 $0 $600 $24,000 ($24,000) $0 $69,228
$300 $0 $0 $600 $24,000 ($24,000) $0 $70,959
$300 $0 $0 $600 $24,000 ($24,000) $0 $72,733
$300 $0 $0 $600 $24,000 ($24,000) $0 $74,551
$300 $0 $0 $600 $24,000 ($24,000) $0 $76,415
$300 $0 $0 $600 $24,000 ($24,000) $0 $78,326
$300 $0 $0 $600 $24,000 ($24,000) $0 $80,284
$300 $0 $0 $600 $24,000 ($24,000) $0 $82,291
$300 $0 $0 $600 $24,000 ($24,000) $0 $84,348
$300 $0 $0 $600 $24,000 ($24,000) $0 $86,457
$300 $0 $0 $600 $24,000 ($24,000) $0 $88,618
$300 $0 $0 $600 $24,000 ($24,000) $0 $90,834
$300 $0 $0 $600 $24,000 ($24,000) $0 $93,105
$300 $0 $0 $600 $24,000 ($24,000) $0 $95,432
$300 $0 $0 $600 $24,000 ($24,000) $0 $97,818
$300 $0 $0 $600 $24,000 ($24,000) $0 $100,263
$300 $0 $0 $600 $24,000 ($24,000) $0 $102,770
$300 $0 $0 $600 $24,000 ($24,000) $0 $105,339
$300 $0 $0 $600 $24,000 ($24,000) $0 $107,973
$300 $0 $0 $600 $24,000 ($24,000) $0 $110,672
$300 $0 $0 $600 $24,000 ($24,000) $0 $113,439
$300 $0 $0 $600 $24,000 ($24,000) $0 $116,275
$300 $0 $0 $600 $24,000 ($24,000) $0 $119,182
$300 $0 $0 $600 $24,000 ($24,000) $0 $122,161
$300 $0 $0 $600 $24,000 ($24,000) $0 $125,215
$300 $0 $0 $600 $24,000 ($24,000) $0 $128,346
$300 $0 $0 $600 $24,000 ($24,000) $0 $131,554
$300 $0 $0 $600 $24,000 ($24,000) $0 $134,843
 Ad-hoc Inflow / Outflows
Other CPF LIFE Other
Other Liquid Other Illiquid Other CPF Other CPF Other CPF
Premium Medisave EOY OA
Cash inflow / Cash inflow / OA inflow / SA inflow / RA inflow /
inflow / inflow / balance
(outflow) (outflow) (outflow) (outflow) (outflow)
(outflow) (outflow)
$50,000
($50,000) $0 $0 $0 $0 $0 $0 $68,330
$0 $0 $0 $0 $0 $0 $0 $88,142
$0 $0 $0 $0 $0 $0 $0 $109,040
$0 $0 $0 $0 $0 $0 $0 $130,589
$0 $0 $0 $0 $0 $0 $0 $151,165
$0 $0 $0 $0 $0 $0 $0 $172,386
$0 $0 $0 $0 $0 $0 $0 $194,278
$0 $0 $0 $0 $0 $0 $0 $216,864
$0 $0 $0 $0 $0 $0 $0 $240,171
$0 $0 $0 $0 $0 $0 $0 $264,226
$0 $0 $0 $0 $0 $0 $0 $289,059
$0 $0 $0 $0 $0 $0 $0 $314,698
$0 $0 $0 $0 $0 $0 $0 $341,176
$0 $0 $0 $0 $0 $0 $0 $368,525
$0 $0 $0 $0 $0 $0 $0 $394,965
$0 $0 $0 $0 $0 $0 $0 $422,279
$0 $0 $0 $0 $0 $0 $0 $450,501
$0 $0 $0 $0 $0 $0 $0 $479,668
$0 $0 $0 $0 $0 $0 $0 $509,817
$0 $0 $0 $0 $0 $0 $0 $522,562
$0 $0 $0 $0 $0 $0 $0 $535,626
$0 $0 $0 $0 $0 $0 $0 $549,017
$0 $0 $0 $0 $0 $0 $0 $562,742
$0 $0 $0 $0 $0 $0 $0 $276,456
$0 $0 $0 $0 $0 $0 $0 $283,368
$0 $0 $0 $0 $0 $0 $0 $290,452
$0 $0 $0 $0 $0 $0 $0 $297,713
$0 $0 $0 $0 $0 $0 $0 $305,156
$0 $0 $0 $0 $0 $0 $0 $312,785
$0 $0 $0 $0 $0 $0 $0 $320,604
$0 $0 $0 $0 $0 $0 $0 $328,620
$0 $0 $0 $0 $0 $0 $0 $336,835
$0 $0 $0 $0 $0 $0 $0 $345,256
$0 $0 $0 $0 $0 $0 $0 $353,887
$0 $0 $0 $0 $0 $0 $0 $362,735
$0 $0 $0 $0 $0 $0 $0 $371,803
$0 $0 $0 $0 $0 $0 $0 $381,098
$0 $0 $0 $0 $0 $0 $0 $390,625
$0 $0 $0 $0 $0 $0 $0 $400,391
$0 $0 $0 $0 $0 $0 $0 $410,401
$0 $0 $0 $0 $0 $0 $0 $420,661
$0 $0 $0 $0 $0 $0 $0 $431,177
$0 $0 $0 $0 $0 $0 $0 $441,957
$0 $0 $0 $0 $0 $0 $0 $453,006
$0 $0 $0 $0 $0 $0 $0 $464,331
$0 $0 $0 $0 $0 $0 $0 $475,939
$0 $0 $0 $0 $0 $0 $0 $487,838
$0 $0 $0 $0 $0 $0 $0 $500,034
$0 $0 $0 $0 $0 $0 $0 $512,534
$0 $0 $0 $0 $0 $0 $0 $525,348
$0 $0 $0 $0 $0 $0 $0 $538,481
$0 $0 $0 $0 $0 $0 $0 $551,943
$0 $0 $0 $0 $0 $0 $0 $565,742
$0 $0 $0 $0 $0 $0 $0 $579,886
$0 $0 $0 $0 $0 $0 $0 $594,383
$0 $0 $0 $0 $0 $0 $0 $609,242
$0 $0 $0 $0 $0 $0 $0 $624,473
$0 $0 $0 $0 $0 $0 $0 $640,085
$0 $0 $0 $0 $0 $0 $0 $656,087
$0 $0 $0 $0 $0 $0 $0 $672,490
$0 $0 $0 $0 $0 $0 $0 $689,302
$0 $0 $0 $0 $0 $0 $0 $706,534
$0 $0 $0 $0 $0 $0 $0 $724,198
$0 $0 $0 $0 $0 $0 $0 $742,303
$0 $0 $0 $0 $0 $0 $0 $760,860
$0 $0 $0 $0 $0 $0 $0 $779,882
$0 $0 $0 $0 $0 $0 $0 $799,379
$0 $0 $0 $0 $0 $0 $0 $819,363
$0 $0 $0 $0 $0 $0 $0 $839,847
$0 $0 $0 $0 $0 $0 $0 $860,843
$0 $0 $0 $0 $0 $0 $0 $882,365
$0 $0 $0 $0 $0 $0 $0 $904,424
$0 $0 $0 $0 $0 $0 $0 $927,034
$0 $0 $0 $0 $0 $0 $0 $950,210
$0 $0 $0 $0 $0 $0 $0 $973,965
$0 $0 $0 $0 $0 $0 $0 $998,315
$0 $0 $0 $0 $0 $0 $0 $1,023,272
$0 $0 $0 $0 $0 $0 $0 $1,048,854
$0 $0 $0 $0 $0 $0 $0 $1,075,076
$0 $0 $0 $0 $0 $0 $0 $1,101,952
$0 $0 $0 $0 $0 $0 $0 $1,129,501
$0 $0 $0 $0 $0 $0 $0 $1,157,739
$0 $0 $0 $0 $0 $0 $0 $1,186,682
$0 $0 $0 $0 $0 $0 $0 $1,216,349
$0 $0 $0 $0 $0 $0 $0 $1,246,758
$0 $0 $0 $0 $0 $0 $0 $1,277,927
$0 $0 $0 $0 $0 $0 $0 $1,309,875
$0 $0 $0 $0 $0 $0 $0 $1,342,622
$0 $0 $0 $0 $0 $0 $0 $1,376,188
 Account balances and CPF LIFE
CPF LIFE
EOY CPF LIFE
EOY SA EOY RA Premium EOY liquid EOY illiquid
Medisave Payout (per
balance balance (Payout asset balance asset balance
balance month)
Calculation)
$20,000 $0 $30,000 $20,000 $160,000
$25,353 $0 $36,990 $0 $0 ($601) $173,940
$31,161 $0 $44,430 $0 $0 $12,090 $188,933
$37,326 $0 $52,174 $0 $0 $27,201 $205,097
$43,740 $0 $60,064 $0 $0 $14,010 $222,559
$51,200 $0 $68,982 $0 $0 $3,243 $241,413
$58,890 $0 $78,179 $0 $0 ($4,877) $261,759
$67,044 $0 $87,440 $0 $0 ($10,108) $283,705
$80,809 $0 $91,637 $0 $0 ($12,196) $307,367
$94,942 $0 $96,036 $0 $0 ($10,866) $332,866
$109,452 $0 $100,646 $0 $0 ($5,826) $360,335
$124,353 $0 $105,477 $0 $0 $3,235 $389,914
$139,658 $0 $110,540 $0 $0 $16,650 $421,751
$155,379 $0 $115,846 $0 $0 $34,775 $456,007
$171,530 $0 $121,406 $0 $0 $57,986 $492,853
$189,940 $0 $127,234 $0 $0 $86,689 $532,469
$208,878 $0 $133,341 $0 $0 $121,313 $575,052
$228,363 $0 $139,741 $0 $0 $186,317 $596,807
$248,414 $0 $146,449 $0 $0 $258,429 $620,757
$269,051 $0 $153,478 $0 $0 $352,275 $647,078
$276,377 $0 $157,315 $0 $0 $300,507 $655,431
$283,887 $0 $161,248 $0 $0 $246,238 $664,203
$291,584 $0 $165,279 $0 $0 $189,395 $673,413
$299,474 $0 $169,411 $0 $0 $129,902 $683,084
$0 $608,015 $173,647 $607,715 $0 $67,678 $693,238
$0 $624,115 $177,988 $632,023 $0 $2,644 $703,900
$0 $640,618 $182,437 $657,304 $0 ($35,778) $715,095
$0 $657,534 $186,998 $683,597 $0 ($76,146) $726,850
$0 $674,872 $191,673 $710,940 $0 ($82,807) $739,192
$0 $692,644 $196,465 $739,378 $0 ($90,283) $752,152
$0 $710,860 $201,377 $768,953 $0 ($98,600) $765,759
$0 $729,531 $206,411 $799,711 $0 ($107,785) $780,047
$0 $748,670 $211,572 $831,700 $0 ($117,867) $795,050
$0 $768,286 $216,861 $864,968 $0 ($128,875) $810,802
$0 $788,394 $222,282 $899,567 $0 ($140,839) $827,342
$0 $809,003 $227,839 $935,549 $0 ($153,789) $844,709
$0 $778,126 $233,535 $921,869 $4,334 ($115,755) $862,945
$0 $745,437 $239,374 $906,601 $4,420 ($77,211) $882,092
$0 $710,870 $245,358 $889,662 $4,509 ($38,155) $902,197
$0 $674,356 $251,492 $870,963 $4,599 $1,417 $923,307
$0 $635,826 $257,779 $850,413 $4,691 $41,508 $945,472
$0 $595,207 $264,224 $827,915 $4,785 $82,120 $968,745
$0 $552,424 $270,829 $803,368 $4,880 $123,256 $993,183
$0 $507,400 $277,600 $776,669 $4,978 $164,919 $1,018,842
$0 $460,057 $284,540 $747,706 $5,077 $207,110 $1,045,784
$0 $410,310 $291,654 $716,367 $5,179 $249,832 $1,074,073
$0 $358,078 $298,945 $682,531 $5,283 $293,087 $1,103,777
$0 $303,271 $306,419 $646,074 $5,388 $336,876 $1,134,966
$0 $249,806 $310,075 $606,866 $5,496 $381,202 $1,167,714
$0 $197,433 $310,075 $564,770 $5,606 $426,065 $1,202,100
$0 $142,404 $310,075 $519,645 $5,718 $471,466 $1,238,205
$0 $84,628 $310,075 $471,342 $5,832 $517,407 $1,276,115
$0 $24,008 $310,075 $419,708 $5,949 $563,888 $1,315,921
$0 $0 $310,075 $364,580 $6,068 $610,909 $1,357,717
$0 $0 $310,075 $305,792 $6,189 $658,471 $1,401,602
$0 $0 $310,075 $243,166 $6,313 $706,574 $1,447,683
$0 $0 $310,075 $176,520 $6,439 $755,217 $1,496,067
$0 $0 $310,075 $105,662 $6,568 $804,400 $1,546,870
$0 $0 $310,075 $30,394 $6,700 $854,121 $1,600,214
$0 $0 $310,075 $0 $6,834 $904,379 $1,656,224
$0 $0 $310,075 $0 $6,970 $955,172 $1,715,035
$0 $0 $310,075 $0 $7,110 $1,006,499 $1,776,787
$0 $0 $310,075 $0 $7,252 $1,058,357 $1,841,627
$0 $0 $310,075 $0 $7,397 $1,110,744 $1,909,708
$0 $0 $310,075 $0 $7,545 $1,163,655 $1,981,193
$0 $0 $310,075 $0 $7,696 $1,217,089 $2,056,253
$0 $0 $310,075 $0 $7,850 $1,271,039 $2,135,066
$0 $0 $310,075 $0 $8,007 $1,325,503 $2,217,819
$0 $0 $310,075 $0 $8,167 $1,380,474 $2,304,710
$0 $0 $310,075 $0 $8,330 $1,435,949 $2,395,945
$0 $0 $310,075 $0 $8,497 $1,491,920 $2,491,743
$0 $0 $310,075 $0 $8,667 $1,548,381 $2,592,330
$0 $0 $310,075 $0 $8,840 $1,605,325 $2,697,946
$0 $0 $310,075 $0 $9,017 $1,662,745 $2,808,843
$0 $0 $310,075 $0 $9,197 $1,720,633 $2,925,286
$0 $0 $310,075 $0 $9,381 $1,778,979 $3,047,550
$0 $0 $310,075 $0 $9,569 $1,837,774 $3,175,927
$0 $0 $310,075 $0 $9,760 $1,897,007 $3,310,724
$0 $0 $310,075 $0 $9,955 $1,956,669 $3,452,260
$0 $0 $310,075 $0 $10,154 $2,016,748 $3,600,873
$0 $0 $310,075 $0 $10,357 $2,077,231 $3,756,917
$0 $0 $310,075 $0 $10,565 $2,138,105 $3,920,762
$0 $0 $310,075 $0 $10,776 $2,199,357 $4,092,801
$0 $0 $310,075 $0 $10,991 $2,260,972 $4,273,441
$0 $0 $310,075 $0 $11,211 $2,322,933 $4,463,113
$0 $0 $310,075 $0 $11,435 $2,385,226 $4,662,268
$0 $0 $310,075 $0 $11,664 $2,447,831 $4,871,382
$0 $0 $310,075 $0 $11,897 $2,510,732 $5,090,951
$0 $0 $310,075 $0 $12,135 $2,573,909 $5,321,498
$0 $0 $310,075 $0 $12,378 $2,637,341 $5,563,573
Explanatory notes for specific ad-hoc actions:
 Basic Info Wages

Number of OW subject AW subject

Idx Year Age BRS BHS OW AW
dependants to CPF to CPF

0 2021 31 0 $96,000 $66,000

1 2022 32 0 $96,000 $66,000 $66,000 $8,250 $66,000 $8,250
2 2023 33 1 $99,168 $69,168 $69,960 $8,745 $69,960 $8,745
3 2024 34 1 $102,441 $72,488 $74,158 $9,270 $72,000 $9,270
4 2025 35 2 $105,821 $75,967 $78,607 $9,826 $72,000 $9,826
5 2026 36 2 $109,313 $79,614 $83,323 $10,415 $72,000 $10,415
6 2027 37 2 $112,921 $83,435 $88,323 $11,040 $72,000 $11,040
7 2028 38 2 $116,647 $87,440 $93,622 $11,703 $72,000 $11,703
8 2029 39 2 $120,496 $91,637 $99,240 $12,405 $72,000 $12,405
9 2030 40 2 $124,473 $96,036 $105,194 $13,149 $72,000 $13,149
10 2031 41 2 $128,580 $100,646 $111,506 $13,938 $72,000 $13,938
11 2032 42 2 $132,823 $105,477 $118,196 $14,774 $72,000 $14,774
12 2033 43 2 $137,207 $110,540 $125,288 $15,661 $72,000 $15,661
13 2034 44 2 $141,734 $115,846 $132,805 $16,601 $72,000 $16,601
14 2035 45 2 $146,412 $121,406 $140,773 $17,597 $72,000 $17,597
15 2036 46 2 $151,243 $127,234 $149,220 $18,652 $72,000 $18,652
16 2037 47 2 $156,234 $133,341 $158,173 $19,772 $72,000 $19,772
17 2038 48 2 $161,390 $139,741 $167,663 $20,958 $72,000 $20,958
18 2039 49 2 $166,716 $146,449 $177,723 $22,215 $72,000 $22,215
19 2040 50 2 $172,217 $153,478 $188,386 $23,548 $72,000 $23,548
20 2041 51 2 $177,901 $160,845 $0 $0 $0 $0
21 2042 52 2 $183,771 $168,566 $0 $0 $0 $0
22 2043 53 2 $189,836 $176,657 $0 $0 $0 $0
23 2044 54 2 $196,100 $185,137 $0 $0 $0 $0
24 2045 55 2 $202,572 $194,023 $0 $0 $0 $0
25 2046 56 2 $202,572 $203,336 $0 $0 $0 $0
26 2047 57 1 $202,572 $213,096 $0 $0 $0 $0
27 2048 58 1 $202,572 $223,325 $0 $0 $0 $0
28 2049 59 0 $202,572 $234,045 $0 $0 $0 $0
29 2050 60 0 $202,572 $245,279 $0 $0 $0 $0
30 2051 61 0 $202,572 $257,052 $0 $0 $0 $0
31 2052 62 0 $202,572 $269,391 $0 $0 $0 $0
32 2053 63 0 $202,572 $282,321 $0 $0 $0 $0
33 2054 64 0 $202,572 $295,873 $0 $0 $0 $0
34 2055 65 0 $202,572 $310,075 $0 $0 $0 $0
35 2056 66 0 $202,572 $310,075 $0 $0 $0 $0
36 2057 67 0 $202,572 $310,075 $0 $0 $0 $0
37 2058 68 0 $202,572 $310,075 $0 $0 $0 $0
38 2059 69 0 $202,572 $310,075 $0 $0 $0 $0
39 2060 70 0 $202,572 $310,075 $0 $0 $0 $0
40 2061 71 0 $202,572 $310,075 $0 $0 $0 $0
41 2062 72 0 $202,572 $310,075 $0 $0 $0 $0
42 2063 73 0 $202,572 $310,075 $0 $0 $0 $0
43 2064 74 0 $202,572 $310,075 $0 $0 $0 $0
44 2065 75 0 $202,572 $310,075 $0 $0 $0 $0
45 2066 76 0 $202,572 $310,075 $0 $0 $0 $0
46 2067 77 0 $202,572 $310,075 $0 $0 $0 $0
47 2068 78 0 $202,572 $310,075 $0 $0 $0 $0
48 2069 79 0 $202,572 $310,075 $0 $0 $0 $0
49 2070 80 0 $202,572 $310,075 $0 $0 $0 $0
50 2071 81 0 $202,572 $310,075 $0 $0 $0 $0
51 2072 82 0 $202,572 $310,075 $0 $0 $0 $0
52 2073 83 0 $202,572 $310,075 $0 $0 $0 $0
53 2074 84 0 $202,572 $310,075 $0 $0 $0 $0
54 2075 85 0 $202,572 $310,075 $0 $0 $0 $0
55 2076 86 0 $202,572 $310,075 $0 $0 $0 $0
56 2077 87 0 $202,572 $310,075 $0 $0 $0 $0
57 2078 88 0 $202,572 $310,075 $0 $0 $0 $0
58 2079 89 0 $202,572 $310,075 $0 $0 $0 $0
59 2080 90 0 $202,572 $310,075 $0 $0 $0 $0
60 2081 91 0 $202,572 $310,075 $0 $0 $0 $0
61 2082 92 0 $202,572 $310,075 $0 $0 $0 $0
62 2083 93 0 $202,572 $310,075 $0 $0 $0 $0
63 2084 94 0 $202,572 $310,075 $0 $0 $0 $0
64 2085 95 0 $202,572 $310,075 $0 $0 $0 $0
65 2086 96 0 $202,572 $310,075 $0 $0 $0 $0
66 2087 97 0 $202,572 $310,075 $0 $0 $0 $0
67 2088 98 0 $202,572 $310,075 $0 $0 $0 $0
68 2089 99 0 $202,572 $310,075 $0 $0 $0 $0
69 2090 100 0 $202,572 $310,075 $0 $0 $0 $0
70 2091 101 0 $202,572 $310,075 $0 $0 $0 $0
71 2092 102 0 $202,572 $310,075 $0 $0 $0 $0
72 2093 103 0 $202,572 $310,075 $0 $0 $0 $0
73 2094 104 0 $202,572 $310,075 $0 $0 $0 $0
74 2095 105 0 $202,572 $310,075 $0 $0 $0 $0
75 2096 106 0 $202,572 $310,075 $0 $0 $0 $0
76 2097 107 0 $202,572 $310,075 $0 $0 $0 $0
77 2098 108 0 $202,572 $310,075 $0 $0 $0 $0
78 2099 109 0 $202,572 $310,075 $0 $0 $0 $0
79 2100 110 0 $202,572 $310,075 $0 $0 $0 $0
80 2101 111 0 $202,572 $310,075 $0 $0 $0 $0
81 2102 112 0 $202,572 $310,075 $0 $0 $0 $0
82 2103 113 0 $202,572 $310,075 $0 $0 $0 $0
83 2104 114 0 $202,572 $310,075 $0 $0 $0 $0
84 2105 115 0 $202,572 $310,075 $0 $0 $0 $0
85 2106 116 0 $202,572 $310,075 $0 $0 $0 $0
86 2107 117 0 $202,572 $310,075 $0 $0 $0 $0
87 2108 118 0 $202,572 $310,075 $0 $0 $0 $0
88 2109 119 0 $202,572 $310,075 $0 $0 $0 $0
89 2110 120 0 $202,572 $310,075 $0 $0 $0 $0
 Wages

CPF OA CPF SA Medisave CPF OA base CPF SA base CPF RA base

Take-home
Contributions Contributions Contributions interest interest interest

$59,400 $17,080 $4,453 $5,940 $1,250 $500 $0

$62,964 $18,104 $4,720 $6,296 $1,208 $1,134 $0
$67,173 $18,694 $4,874 $6,501 $1,191 $1,795 $0
$72,068 $18,822 $4,908 $6,546 $1,188 $2,477 $0
$77,256 $17,311 $5,766 $7,416 $1,188 $3,184 $0
$82,755 $17,443 $5,810 $7,472 $1,151 $4,165 $0
$88,584 $17,582 $5,856 $7,532 $1,116 $5,170 $0
$94,764 $17,729 $5,906 $7,595 $1,083 $6,201 $0
$101,313 $17,886 $5,958 $7,662 $1,693 $6,519 $0
$108,256 $18,051 $6,013 $7,733 $2,321 $6,845 $0
$115,616 $18,227 $6,071 $7,808 $2,969 $7,182 $0
$123,416 $18,413 $6,133 $7,888 $3,636 $7,528 $0
$131,685 $18,610 $6,199 $7,973 $4,324 $7,885 $0
$140,451 $18,820 $6,269 $8,062 $5,033 $8,252 $0
$149,742 $17,227 $7,252 $9,063 $5,764 $8,630 $0
$159,590 $17,440 $7,341 $9,175 $6,496 $9,042 $0
$170,030 $17,665 $7,436 $9,293 $7,250 $9,467 $0
$181,095 $17,904 $7,537 $9,419 $8,029 $9,904 $0
$192,825 $18,157 $7,643 $9,552 $8,832 $10,355 $0
$0 $0 $0 $0 $9,662 $10,820 $0
$0 $0 $0 $0 $9,903 $11,106 $0
$0 $0 $0 $0 $10,151 $11,398 $0
$0 $0 $0 $0 $10,405 $11,698 $0
$0 $0 $0 $0 $10,665 $12,006 $0
$0 $0 $0 $0 $8,054 $0 $15,200
$0 $0 $0 $0 $500 $0 $15,603
$0 $0 $0 $0 $513 $0 $16,015
$0 $0 $0 $0 $525 $0 $16,438
$0 $0 $0 $0 $538 $0 $16,872
$0 $0 $0 $0 $552 $0 $17,316
$0 $0 $0 $0 $566 $0 $17,771
$0 $0 $0 $0 $580 $0 $18,238
$0 $0 $0 $0 $594 $0 $18,717
$0 $0 $0 $0 $609 $0 $19,207
$0 $0 $0 $0 $624 $0 $19,710
$0 $0 $0 $0 $640 $0 $20,225
$0 $0 $0 $0 $656 $0 $19,453
$0 $0 $0 $0 $672 $0 $18,636
$0 $0 $0 $0 $689 $0 $17,772
$0 $0 $0 $0 $706 $0 $16,859
$0 $0 $0 $0 $724 $0 $15,896
$0 $0 $0 $0 $742 $0 $14,880
$0 $0 $0 $0 $761 $0 $13,811
$0 $0 $0 $0 $780 $0 $12,685
$0 $0 $0 $0 $799 $0 $11,501
$0 $0 $0 $0 $819 $0 $10,258
$0 $0 $0 $0 $840 $0 $8,952
$0 $0 $0 $0 $861 $0 $7,582
$0 $0 $0 $0 $882 $0 $6,245
$0 $0 $0 $0 $904 $0 $4,936
$0 $0 $0 $0 $927 $0 $3,560
$0 $0 $0 $0 $950 $0 $2,116
$0 $0 $0 $0 $974 $0 $600
$0 $0 $0 $0 $998 $0 $0
$0 $0 $0 $0 $1,023 $0 $0
$0 $0 $0 $0 $1,049 $0 $0
$0 $0 $0 $0 $1,075 $0 $0
$0 $0 $0 $0 $1,102 $0 $0
$0 $0 $0 $0 $1,129 $0 $0
$0 $0 $0 $0 $1,158 $0 $0
$0 $0 $0 $0 $1,187 $0 $0
$0 $0 $0 $0 $1,216 $0 $0
$0 $0 $0 $0 $1,247 $0 $0
$0 $0 $0 $0 $1,278 $0 $0
$0 $0 $0 $0 $1,310 $0 $0
$0 $0 $0 $0 $1,343 $0 $0
$0 $0 $0 $0 $1,376 $0 $0
$0 $0 $0 $0 $1,410 $0 $0
$0 $0 $0 $0 $1,446 $0 $0
$0 $0 $0 $0 $1,482 $0 $0
$0 $0 $0 $0 $1,519 $0 $0
$0 $0 $0 $0 $1,557 $0 $0
$0 $0 $0 $0 $1,596 $0 $0
$0 $0 $0 $0 $1,636 $0 $0
$0 $0 $0 $0 $1,677 $0 $0
$0 $0 $0 $0 $1,719 $0 $0
$0 $0 $0 $0 $1,762 $0 $0
$0 $0 $0 $0 $1,806 $0 $0
$0 $0 $0 $0 $1,851 $0 $0
$0 $0 $0 $0 $1,897 $0 $0
$0 $0 $0 $0 $1,944 $0 $0
$0 $0 $0 $0 $1,993 $0 $0
$0 $0 $0 $0 $2,043 $0 $0
$0 $0 $0 $0 $2,094 $0 $0
$0 $0 $0 $0 $2,146 $0 $0
$0 $0 $0 $0 $2,200 $0 $0
$0 $0 $0 $0 $2,255 $0 $0
$0 $0 $0 $0 $2,311 $0 $0
$0 $0 $0 $0 $2,369 $0 $0
 CPF Calculations

Combined CPF Combined CPF Combined CPF Combined CPF balance

Medisave
balance eligible for balance eligible for balance eligible for eligible for extra
base interest
extra interest (OA) extra interest (SA) extra interest (RA) interest (Medisave)

$750 $20,000 $20,000 $0 $20,000

$1,025 $20,000 $40,000 $0 $0
$1,308 $20,000 $40,000 $0 $0
$1,603 $20,000 $40,000 $0 $0
$1,899 $20,000 $40,000 $0 $0
$1,990 $20,000 $40,000 $0 $0
$2,086 $20,000 $40,000 $0 $0
$2,186 $20,000 $40,000 $0 $0
$2,291 $20,000 $40,000 $0 $0
$2,401 $20,000 $40,000 $0 $0
$2,516 $20,000 $40,000 $0 $0
$2,637 $20,000 $40,000 $0 $0
$2,763 $20,000 $40,000 $0 $0
$2,896 $20,000 $40,000 $0 $0
$3,035 $20,000 $40,000 $0 $0
$3,181 $20,000 $40,000 $0 $0
$3,334 $20,000 $40,000 $0 $0
$3,494 $20,000 $40,000 $0 $0
$3,661 $20,000 $40,000 $0 $0
$3,837 $20,000 $40,000 $0 $0
$3,933 $20,000 $40,000 $0 $0
$4,031 $20,000 $40,000 $0 $0
$4,132 $20,000 $40,000 $0 $0
$4,235 $20,000 $40,000 $0 $0
$4,341 $0 $0 $60,000 $0
$4,450 $0 $0 $60,000 $0
$4,561 $0 $0 $60,000 $0
$4,675 $0 $0 $60,000 $0
$4,792 $0 $0 $60,000 $0
$4,912 $0 $0 $60,000 $0
$5,034 $0 $0 $60,000 $0
$5,160 $0 $0 $60,000 $0
$5,289 $0 $0 $60,000 $0
$5,422 $0 $0 $60,000 $0
$5,557 $0 $0 $60,000 $0
$5,696 $0 $0 $60,000 $0
$5,838 $0 $0 $60,000 $0
$5,984 $0 $0 $60,000 $0
$6,134 $0 $0 $60,000 $0
$6,287 $0 $0 $60,000 $0
$6,444 $0 $0 $60,000 $0
$6,606 $0 $0 $60,000 $0
$6,771 $0 $0 $60,000 $0
$6,940 $0 $0 $60,000 $0
$7,114 $0 $0 $60,000 $0
$7,291 $0 $0 $60,000 $0
$7,474 $0 $0 $60,000 $0
$7,660 $0 $0 $60,000 $0
$7,752 $0 $0 $60,000 $0
$7,752 $0 $0 $60,000 $0
$7,752 $0 $0 $60,000 $0
$7,752 $0 $0 $60,000 $0
$7,752 $0 $0 $60,000 $0
$7,752 $0 $0 $60,000 $0
$7,752 $0 $0 $60,000 $0
$7,752 $0 $0 $60,000 $0
$7,752 $0 $0 $60,000 $0
$7,752 $0 $0 $60,000 $0
$7,752 $20,000 $0 $30,394 $9,606
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
$7,752 $20,000 $0 $0 $40,000
 Planned Inflow / Outflows
Planned Planned
CPF OA CPF SA CPF RA Medisave
Liquid Cash Illiquid Cash Housing Expenses
extra extra extra extra
inflow / inflow / Loan (incl Holiday)
interest interest interest interest
(outflow) (outflow)

$200 $200 $0 $300 ($14,850) $5,940 $0 $15,351

$200 $400 $0 $0 ($15,741) $6,296 $0 $34,526
$200 $400 $0 $0 ($16,793) $6,717 $0 $35,390
$200 $400 $0 $0 ($18,017) $7,207 $14,102 $53,412
$200 $400 $0 $0 ($19,314) $7,726 $14,102 $54,748
$200 $400 $0 $0 ($20,689) $8,276 $14,102 $56,116
$200 $400 $0 $0 ($22,146) $8,858 $14,102 $57,519
$200 $400 $0 $0 ($23,691) $9,476 $14,102 $58,957
$200 $400 $0 $0 ($25,328) $10,131 $14,102 $60,431
$200 $400 $0 $0 ($27,064) $10,826 $14,102 $61,942
$200 $400 $0 $0 ($28,904) $11,562 $14,102 $63,491
$200 $400 $0 $0 ($30,854) $12,342 $14,102 $65,078
$200 $400 $0 $0 ($32,921) $13,169 $14,102 $66,705
$200 $400 $0 $0 ($35,113) $14,045 $14,102 $68,372
$200 $400 $0 $0 ($37,435) $14,974 $14,102 $70,082
$200 $400 $0 $0 ($39,898) $15,959 $14,102 $71,834
$200 $400 $0 $0 ($18,507) ($6,997) $14,102 $73,630
$200 $400 $0 $0 ($21,274) ($5,890) $14,102 $75,470
$200 $400 $0 $0 ($24,206) ($4,717) $0 $77,357
$200 $400 $0 $0 $24,000 ($24,000) $0 $79,291
$200 $400 $0 $0 $24,000 ($24,000) $0 $81,273
$200 $400 $0 $0 $24,000 ($24,000) $0 $83,305
$200 $400 $0 $0 $24,000 ($24,000) $0 $85,388
$300 $400 $0 $0 $24,000 ($24,000) $0 $87,523
$0 $0 $900 $0 $24,000 ($24,000) $0 $89,711
$0 $0 $900 $0 $24,000 ($24,000) $0 $62,449
$0 $0 $900 $0 $24,000 ($24,000) $0 $64,010
$0 $0 $900 $0 $24,000 ($24,000) $0 $29,900
$0 $0 $900 $0 $24,000 ($24,000) $0 $30,648
$0 $0 $900 $0 $24,000 ($24,000) $0 $31,414
$0 $0 $900 $0 $24,000 ($24,000) $0 $32,199
$0 $0 $900 $0 $24,000 ($24,000) $0 $33,004
$0 $0 $900 $0 $24,000 ($24,000) $0 $33,829
$0 $0 $900 $0 $24,000 ($24,000) $0 $34,675
$0 $0 $900 $0 $24,000 ($24,000) $0 $35,542
$0 $0 $900 $0 $24,000 ($24,000) $0 $36,430
$0 $0 $900 $0 $24,000 ($24,000) $0 $37,341
$0 $0 $900 $0 $24,000 ($24,000) $0 $38,275
$0 $0 $900 $0 $24,000 ($24,000) $0 $39,232
$0 $0 $900 $0 $24,000 ($24,000) $0 $40,212
$0 $0 $900 $0 $24,000 ($24,000) $0 $41,218
$0 $0 $900 $0 $24,000 ($24,000) $0 $42,248
$0 $0 $900 $0 $24,000 ($24,000) $0 $43,304
$0 $0 $900 $0 $24,000 ($24,000) $0 $44,387
$0 $0 $900 $0 $24,000 ($24,000) $0 $45,497
 $0 $0 $900 $0 $24,000 ($24,000) $0 $46,634
$0 $0 $900 $0 $24,000 ($24,000) $0 $47,800
$0 $0 $900 $0 $24,000 ($24,000) $0 $48,995
$0 $0 $900 $0 $24,000 ($24,000) $0 $50,220
$0 $0 $900 $0 $24,000 ($24,000) $0 $51,475
$0 $0 $900 $0 $24,000 ($24,000) $0 $52,762
$0 $0 $900 $0 $24,000 ($24,000) $0 $54,081
$0 $0 $900 $0 $24,000 ($24,000) $0 $55,433
$0 $0 $900 $0 $24,000 ($24,000) $0 $56,819
$0 $0 $900 $0 $24,000 ($24,000) $0 $58,239
$0 $0 $900 $0 $24,000 ($24,000) $0 $59,695
$0 $0 $900 $0 $24,000 ($24,000) $0 $61,188
$0 $0 $900 $0 $24,000 ($24,000) $0 $62,718
$300 $0 $456 $144 $24,000 ($24,000) $0 $64,285
$300 $0 $0 $600 $24,000 ($24,000) $0 $65,893
$300 $0 $0 $600 $24,000 ($24,000) $0 $67,540
$300 $0 $0 $600 $24,000 ($24,000) $0 $69,228
$300 $0 $0 $600 $24,000 ($24,000) $0 $70,959
$300 $0 $0 $600 $24,000 ($24,000) $0 $72,733
$300 $0 $0 $600 $24,000 ($24,000) $0 $74,551
$300 $0 $0 $600 $24,000 ($24,000) $0 $76,415
$300 $0 $0 $600 $24,000 ($24,000) $0 $78,326
$300 $0 $0 $600 $24,000 ($24,000) $0 $80,284
$300 $0 $0 $600 $24,000 ($24,000) $0 $82,291
$300 $0 $0 $600 $24,000 ($24,000) $0 $84,348
$300 $0 $0 $600 $24,000 ($24,000) $0 $86,457
$300 $0 $0 $600 $24,000 ($24,000) $0 $88,618
$300 $0 $0 $600 $24,000 ($24,000) $0 $90,834
$300 $0 $0 $600 $24,000 ($24,000) $0 $93,105
$300 $0 $0 $600 $24,000 ($24,000) $0 $95,432
$300 $0 $0 $600 $24,000 ($24,000) $0 $97,818
$300 $0 $0 $600 $24,000 ($24,000) $0 $100,263
$300 $0 $0 $600 $24,000 ($24,000) $0 $102,770
$300 $0 $0 $600 $24,000 ($24,000) $0 $105,339
$300 $0 $0 $600 $24,000 ($24,000) $0 $107,973
$300 $0 $0 $600 $24,000 ($24,000) $0 $110,672
$300 $0 $0 $600 $24,000 ($24,000) $0 $113,439
$300 $0 $0 $600 $24,000 ($24,000) $0 $116,275
$300 $0 $0 $600 $24,000 ($24,000) $0 $119,182
$300 $0 $0 $600 $24,000 ($24,000) $0 $122,161
$300 $0 $0 $600 $24,000 ($24,000) $0 $125,215
$300 $0 $0 $600 $24,000 ($24,000) $0 $128,346
$300 $0 $0 $600 $24,000 ($24,000) $0 $131,554
$300 $0 $0 $600 $24,000 ($24,000) $0 $134,843
 Ad-hoc Inflow / Outflows
Other CPF LIFE Other
Other Liquid Other Illiquid Other CPF Other CPF Other CPF
Premium Medisave EOY OA
Cash inflow / Cash inflow / OA inflow / SA inflow / RA inflow /
inflow / inflow / balance
(outflow) (outflow) (outflow) (outflow) (outflow)
(outflow) (outflow)
$50,000
($24,000) ($30,000) ($20,000) $20,000 $0 $0 $4,000 $48,330
($4,000) $0 ($20,000) $20,000 $0 $0 $4,000 $47,642
($4,000) $0 ($20,000) $20,000 $0 $0 $4,000 $47,528
($4,000) $0 ($20,000) $20,000 $0 $0 $4,000 $47,538
($4,000) $0 ($20,000) $24,000 $0 $0 $0 $46,038
$26,000 ($30,000) ($20,000) $24,000 $0 $0 $0 $44,632
($4,000) $0 ($20,000) $24,000 $0 $0 $0 $43,329
$0 $0 $0 $0 $0 $0 $0 $67,725
$0 $0 $0 $0 $0 $0 $0 $92,858
$0 $0 $0 $0 $0 $0 $0 $118,755
$0 $0 $0 $0 $0 $0 $0 $145,445
$0 $0 $0 $0 $0 $0 $0 $172,956
$0 $0 $0 $0 $0 $0 $0 $201,321
$0 $0 $0 $0 $0 $0 $0 $230,571
$0 $0 $0 $0 $0 $0 $0 $259,833
$0 $0 $0 $0 $0 $0 $0 $290,016
$0 $0 $0 $0 $0 $0 $0 $321,158
$0 $0 $0 $0 $0 $0 $0 $353,296
$0 $0 $0 $0 $0 $0 $0 $386,470
$0 $0 $0 $0 $0 $0 $0 $396,132
$0 $0 $0 $0 $0 $0 $0 $406,035
$0 $0 $0 $0 $0 $0 $0 $416,186
$0 $0 $0 $0 $0 $0 $0 $426,591
$0 $0 $0 $0 $0 $0 $0 $322,171
$310,226 $0 ($310,226) $0 $0 $0 $0 $20,000
$0 $0 $0 $0 $0 $0 $0 $20,500
$0 $0 $0 $0 $0 $0 $0 $21,013
$0 $0 $0 $0 $0 $0 $0 $21,538
$0 $0 $0 $0 $0 $0 $0 $22,076
$0 $0 $0 $0 $0 $0 $0 $22,628
$0 $0 $0 $0 $0 $0 $0 $23,194
$0 $0 $0 $0 $0 $0 $0 $23,774
$0 $0 $0 $0 $0 $0 $0 $24,368
$0 $0 $0 $0 $0 $0 $0 $24,977
$0 $0 $0 $0 $0 $0 $0 $25,602
$0 $0 $0 $0 $0 $0 $0 $26,242
$0 $0 $0 $0 $0 $0 $0 $26,898
$0 $0 $0 $0 $0 $0 $0 $27,570
$0 $0 $0 $0 $0 $0 $0 $28,259
$0 $0 $0 $0 $0 $0 $0 $28,966
$0 $0 $0 $0 $0 $0 $0 $29,690
$0 $0 $0 $0 $0 $0 $0 $30,432
$0 $0 $0 $0 $0 $0 $0 $31,193
$0 $0 $0 $0 $0 $0 $0 $31,973
$0 $0 $0 $0 $0 $0 $0 $32,772
$0 $0 $0 $0 $0 $0 $0 $33,592
$0 $0 $0 $0 $0 $0 $0 $34,431
$0 $0 $0 $0 $0 $0 $0 $35,292
$0 $0 $0 $0 $0 $0 $0 $36,175
$0 $0 $0 $0 $0 $0 $0 $37,079
$0 $0 $0 $0 $0 $0 $0 $38,006
$0 $0 $0 $0 $0 $0 $0 $38,956
$0 $0 $0 $0 $0 $0 $0 $39,930
$0 $0 $0 $0 $0 $0 $0 $40,928
$0 $0 $0 $0 $0 $0 $0 $41,951
$0 $0 $0 $0 $0 $0 $0 $43,000
$0 $0 $0 $0 $0 $0 $0 $44,075
$0 $0 $0 $0 $0 $0 $0 $45,177
$0 $0 $0 $0 $0 $0 $0 $46,306
$0 $0 $0 $0 $0 $0 $0 $47,464
$0 $0 $0 $0 $0 $0 $0 $48,651
$0 $0 $0 $0 $0 $0 $0 $49,867
$0 $0 $0 $0 $0 $0 $0 $51,114
$0 $0 $0 $0 $0 $0 $0 $52,391
$0 $0 $0 $0 $0 $0 $0 $53,701
$0 $0 $0 $0 $0 $0 $0 $55,044
$0 $0 $0 $0 $0 $0 $0 $56,420
$0 $0 $0 $0 $0 $0 $0 $57,830
$0 $0 $0 $0 $0 $0 $0 $59,276
$0 $0 $0 $0 $0 $0 $0 $60,758
$0 $0 $0 $0 $0 $0 $0 $62,277
$0 $0 $0 $0 $0 $0 $0 $63,834
$0 $0 $0 $0 $0 $0 $0 $65,430
$0 $0 $0 $0 $0 $0 $0 $67,066
$0 $0 $0 $0 $0 $0 $0 $68,742
$0 $0 $0 $0 $0 $0 $0 $70,461
$0 $0 $0 $0 $0 $0 $0 $72,222
$0 $0 $0 $0 $0 $0 $0 $74,028
$0 $0 $0 $0 $0 $0 $0 $75,878
$0 $0 $0 $0 $0 $0 $0 $77,775
$0 $0 $0 $0 $0 $0 $0 $79,720
$0 $0 $0 $0 $0 $0 $0 $81,713
$0 $0 $0 $0 $0 $0 $0 $83,756
$0 $0 $0 $0 $0 $0 $0 $85,850
$0 $0 $0 $0 $0 $0 $0 $87,996
$0 $0 $0 $0 $0 $0 $0 $90,196
$0 $0 $0 $0 $0 $0 $0 $92,451
$0 $0 $0 $0 $0 $0 $0 $94,762
$0 $0 $0 $0 $0 $0 $0 $97,131
 Account balances and CPF LIFE
CPF LIFE
EOY CPF LIFE
EOY SA EOY RA Premium EOY liquid EOY illiquid
Medisave Payout (per
balance balance (Payout asset balance asset balance
balance month)
Calculation)
$20,000 $0 $30,000 $0 $0 $20,000 $160,000
$45,353 $0 $40,990 $0 $0 $25,399 $143,940
$71,808 $0 $52,310 $0 $0 $34,350 $157,433
$99,077 $0 $64,119 $0 $0 $45,684 $172,022
$127,362 $0 $75,967 $0 $0 $28,677 $187,830
$166,581 $0 $79,614 $0 $0 $14,057 $204,947
$206,797 $0 $83,435 $0 $0 $32,045 $193,470
$248,036 $0 $87,440 $0 $0 $23,183 $212,002
$260,743 $0 $91,637 $0 $0 $21,429 $232,079
$273,819 $0 $96,036 $0 $0 $23,095 $253,814
$287,277 $0 $100,646 $0 $0 $28,474 $277,330
$301,130 $0 $105,477 $0 $0 $37,879 $302,758
$315,392 $0 $110,540 $0 $0 $51,640 $330,238
$330,076 $0 $115,846 $0 $0 $70,114 $359,918
$345,197 $0 $121,406 $0 $0 $93,679 $391,959
$361,678 $0 $127,234 $0 $0 $122,739 $426,531
$378,661 $0 $133,341 $0 $0 $157,723 $463,817
$396,164 $0 $139,741 $0 $0 $223,091 $480,011
$414,205 $0 $146,449 $0 $0 $295,571 $498,121
$432,803 $0 $153,478 $0 $0 $389,789 $518,310
$444,223 $0 $157,315 $0 $0 $338,395 $520,225
$455,929 $0 $161,248 $0 $0 $284,506 $522,236
$467,927 $0 $165,279 $0 $0 $228,046 $524,348
$480,225 $0 $169,411 $0 $0 $168,938 $526,565
$0 $608,015 $173,647 $607,715 $0 $107,105 $528,894
$0 $624,115 $177,988 $632,023 $0 $352,691 $531,338
$0 $640,618 $182,437 $657,304 $0 $317,769 $533,905
$0 $657,534 $186,998 $683,597 $0 $280,937 $536,601
$0 $674,872 $191,673 $710,940 $0 $277,846 $539,431
$0 $692,644 $196,465 $739,378 $0 $273,977 $542,402
$0 $710,860 $201,377 $768,953 $0 $269,303 $545,522
$0 $729,531 $206,411 $799,711 $0 $263,797 $548,798
$0 $748,670 $211,572 $831,700 $0 $257,431 $552,238
$0 $768,286 $216,861 $864,968 $0 $250,176 $555,850
$0 $788,394 $222,282 $899,567 $0 $242,003 $559,643
$0 $809,003 $227,839 $935,549 $0 $232,881 $563,625
$0 $778,126 $233,535 $921,869 $4,334 $274,782 $567,806
$0 $745,437 $239,374 $906,601 $4,420 $317,231 $572,196
$0 $710,870 $245,358 $889,662 $4,509 $360,231 $576,806
$0 $674,356 $251,492 $870,963 $4,599 $403,787 $581,647
$0 $635,826 $257,779 $850,413 $4,691 $447,902 $586,729
$0 $595,207 $264,224 $827,915 $4,785 $492,578 $592,065
$0 $552,424 $270,829 $803,368 $4,880 $537,819 $597,669
$0 $507,400 $277,600 $776,669 $4,978 $583,627 $603,552
$0 $460,057 $284,540 $747,706 $5,077 $630,005 $609,730
$0 $410,310 $291,654 $716,367 $5,179 $676,956 $616,216
$0 $358,078 $298,945 $682,531 $5,283 $724,482 $623,027
$0 $303,271 $306,419 $646,074 $5,388 $772,586 $630,178
$0 $249,806 $310,075 $606,866 $5,496 $821,268 $637,687
$0 $197,433 $310,075 $564,770 $5,606 $870,531 $645,572
$0 $142,404 $310,075 $519,645 $5,718 $920,378 $653,850
$0 $84,628 $310,075 $471,342 $5,832 $970,807 $662,543
$0 $24,008 $310,075 $419,708 $5,949 $1,021,822 $671,670
$0 $0 $310,075 $364,580 $6,068 $1,073,423 $681,253
$0 $0 $310,075 $305,792 $6,189 $1,125,611 $691,316
$0 $0 $310,075 $243,166 $6,313 $1,178,385 $701,882
$0 $0 $310,075 $176,520 $6,439 $1,231,746 $712,976
$0 $0 $310,075 $105,662 $6,568 $1,285,693 $724,625
$0 $0 $310,075 $30,394 $6,700 $1,340,227 $736,856
$0 $0 $310,075 $0 $6,834 $1,395,347 $749,699
$0 $0 $310,075 $0 $6,970 $1,451,050 $763,184
$0 $0 $310,075 $0 $7,110 $1,507,336 $777,343
$0 $0 $310,075 $0 $7,252 $1,564,202 $792,210
$0 $0 $310,075 $0 $7,397 $1,621,647 $807,820
$0 $0 $310,075 $0 $7,545 $1,679,668 $824,211
$0 $0 $310,075 $0 $7,696 $1,738,261 $841,422
$0 $0 $310,075 $0 $7,850 $1,797,423 $859,493
$0 $0 $310,075 $0 $8,007 $1,857,151 $878,468
$0 $0 $310,075 $0 $8,167 $1,917,439 $898,391
$0 $0 $310,075 $0 $8,330 $1,978,283 $919,311
$0 $0 $310,075 $0 $8,497 $2,039,677 $941,276
$0 $0 $310,075 $0 $8,667 $2,101,616 $964,340
$0 $0 $310,075 $0 $8,840 $2,164,093 $988,557
$0 $0 $310,075 $0 $9,017 $2,227,100 $1,013,985
$0 $0 $310,075 $0 $9,197 $2,290,631 $1,040,684
$0 $0 $310,075 $0 $9,381 $2,354,677 $1,068,718
$0 $0 $310,075 $0 $9,569 $2,419,229 $1,098,154
$0 $0 $310,075 $0 $9,760 $2,484,277 $1,129,062
$0 $0 $310,075 $0 $9,955 $2,549,812 $1,161,515
$0 $0 $310,075 $0 $10,154 $2,615,822 $1,195,591
$0 $0 $310,075 $0 $10,357 $2,682,296 $1,231,370
$0 $0 $310,075 $0 $10,565 $2,749,221 $1,268,939
$0 $0 $310,075 $0 $10,776 $2,816,584 $1,308,386
$0 $0 $310,075 $0 $10,991 $2,884,371 $1,349,805
$0 $0 $310,075 $0 $11,211 $2,952,566 $1,393,295
$0 $0 $310,075 $0 $11,435 $3,021,155 $1,438,960
$0 $0 $310,075 $0 $11,664 $3,090,120 $1,486,908
$0 $0 $310,075 $0 $11,897 $3,159,444 $1,537,253
$0 $0 $310,075 $0 $12,135 $3,229,107 $1,590,116
$0 $0 $310,075 $0 $12,378 $3,299,091 $1,645,622
Explanatory notes for specific ad-hoc actions:

I will liquidate 30k worth of stocks here, and spend 50k on renovations

I will liquidate 30k worth of stocks here

 Allocation Rates Contribution Rates Allocation Rates as per Wage
Age
OA SA Medisave Employee Employer OA SA Medisave OA SA
0 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

1 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

2 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

3 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

4 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

5 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

6 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

7 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

8 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

9 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

10 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

11 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

12 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

13 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

14 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

15 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

16 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

17 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

18 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

19 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

20 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

21 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

22 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%
23 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

24 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

25 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

26 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

27 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

28 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

29 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

30 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

31 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

32 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

33 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

34 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

35 62.17% 16.21% 21.62% 20.0% 17.0% 23.00% 6.00% 8.00% 2.5% 4.0%

36 56.77% 18.91% 24.32% 20.0% 17.0% 21.00% 7.00% 9.00% 2.5% 4.0%

37 56.77% 18.91% 24.32% 20.0% 17.0% 21.00% 7.00% 9.00% 2.5% 4.0%

38 56.77% 18.91% 24.32% 20.0% 17.0% 21.00% 7.00% 9.00% 2.5% 4.0%

39 56.77% 18.91% 24.32% 20.0% 17.0% 21.00% 7.00% 9.00% 2.5% 4.0%

40 56.77% 18.91% 24.32% 20.0% 17.0% 21.00% 7.00% 9.00% 2.5% 4.0%

41 56.77% 18.91% 24.32% 20.0% 17.0% 21.00% 7.00% 9.00% 2.5% 4.0%

42 56.77% 18.91% 24.32% 20.0% 17.0% 21.00% 7.00% 9.00% 2.5% 4.0%

43 56.77% 18.91% 24.32% 20.0% 17.0% 21.00% 7.00% 9.00% 2.5% 4.0%

44 56.77% 18.91% 24.32% 20.0% 17.0% 21.00% 7.00% 9.00% 2.5% 4.0%

45 56.77% 18.91% 24.32% 20.0% 17.0% 21.00% 7.00% 9.00% 2.5% 4.0%

46 51.36% 21.62% 27.02% 20.0% 17.0% 19.00% 8.00% 10.00% 2.5% 4.0%
47 51.36% 21.62% 27.02% 20.0% 17.0% 19.00% 8.00% 10.00% 2.5% 4.0%

48 51.36% 21.62% 27.02% 20.0% 17.0% 19.00% 8.00% 10.00% 2.5% 4.0%

49 51.36% 21.62% 27.02% 20.0% 17.0% 19.00% 8.00% 10.00% 2.5% 4.0%

50 51.36% 21.62% 27.02% 20.0% 17.0% 19.00% 8.00% 10.00% 2.5% 4.0%

51 40.55% 31.08% 28.37% 20.0% 17.0% 15.00% 11.50% 10.50% 2.5% 4.0%

52 40.55% 31.08% 28.37% 20.0% 17.0% 15.00% 11.50% 10.50% 2.5% 4.0%

53 40.55% 31.08% 28.37% 20.0% 17.0% 15.00% 11.50% 10.50% 2.5% 4.0%

54 40.55% 31.08% 28.37% 20.0% 17.0% 15.00% 11.50% 10.50% 2.5% 4.0%

55 40.55% 31.08% 28.37% 20.0% 17.0% 15.00% 11.50% 10.50% 2.5% 4.0%

56 42.86% 19.64% 37.50% 14.0% 14.0% 12.00% 5.50% 10.50% 2.5% 4.0%

57 42.86% 19.64% 37.50% 14.0% 14.0% 12.00% 5.50% 10.50% 2.5% 4.0%

58 42.86% 19.64% 37.50% 14.0% 14.0% 12.00% 5.50% 10.50% 2.5% 4.0%

59 42.86% 19.64% 37.50% 14.0% 14.0% 12.00% 5.50% 10.50% 2.5% 4.0%

60 42.86% 19.64% 37.50% 14.0% 14.0% 12.00% 5.50% 10.50% 2.5% 4.0%

61 18.93% 24.32% 56.75% 8.5% 10.0% 3.50% 4.50% 10.50% 2.5% 4.0%

62 18.93% 24.32% 56.75% 8.5% 10.0% 3.50% 4.50% 10.50% 2.5% 4.0%

63 18.93% 24.32% 56.75% 8.5% 10.0% 3.50% 4.50% 10.50% 2.5% 4.0%

64 18.93% 24.32% 56.75% 8.5% 10.0% 3.50% 4.50% 10.50% 2.5% 4.0%
65 18.93% 24.32% 56.75% 8.5% 10.0% 3.50% 4.50% 10.50% 2.5% 4.0%

66 7.15% 17.85% 75.00% 6.0% 8.0% 1.00% 2.50% 10.50% 2.5% 4.0%

67 7.15% 17.85% 75.00% 6.0% 8.0% 1.00% 2.50% 10.50% 2.5% 4.0%

68 7.15% 17.85% 75.00% 6.0% 8.0% 1.00% 2.50% 10.50% 2.5% 4.0%

69 7.15% 17.85% 75.00% 6.0% 8.0% 1.00% 2.50% 10.50% 2.5% 4.0%

70 7.15% 17.85% 75.00% 6.0% 8.0% 1.00% 2.50% 10.50% 2.5% 4.0%

71 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

72 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

73 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

74 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

75 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

76 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

77 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

78 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

79 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

80 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%
81 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

82 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

83 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

84 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

85 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

86 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

87 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

88 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

89 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

90 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

91 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

92 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

93 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

94 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

95 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

96 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%
97 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

98 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

99 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

100 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

101 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

102 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

103 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

104 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

105 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

106 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

107 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

108 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

109 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

110 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

111 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

112 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%
113 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

114 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

115 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

116 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

117 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

118 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

119 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%

120 8.00% 8.00% 84.00% 5.0% 7.5% 1.00% 1.00% 10.50% 2.5% 4.0%
 Interest rates
RA Medisave Additional Interest
4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

4.0% 4.0% 1% on first $60,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA
 2% on first $30,000 of combined balance, capped at $20,000 for OA.
4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA
 2% on first $30,000 of combined balance, capped at $20,000 for OA.
4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA
 2% on first $30,000 of combined balance, capped at $20,000 for OA.
4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA
 2% on first $30,000 of combined balance, capped at $20,000 for OA.
4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA

2% on first $30,000 of combined balance, capped at $20,000 for OA.

4.0% 4.0%
1% on next $30,000 of combined balance, capped at $20,000 for OA
 CPF Balance Caps (those turning 55^/65* in 2022)
Basic Retirement Sum
$96,000
(BRS)^
Full Retirement Sum
$192,000
(FRS)^
Enchanced Retirement
$288,000
Sum (ERS)^
Basic Healthcare Sum
$66,000
(BHS)*

CPF Contribution Caps

Ordinary Wage Ceiling

$6,000
(per month)
Additional Wage Ceiling 17*OW Ceiling - total OW
(per year) subjected to CPF that year

CPF Life Payouts (those turning 55 in 2022)

RA Balance Payout on Standard Plan

$96,000 $830

$192,000 $1,550

$288,000 $2,280

Life Expectancy at Age 65 (https://www.singstat.gov.sg/find-data/search-by-

Year Male

2009 17.8

2010 18

2011 18.1

2012 18.4

2013 18.6

2014 18.8

2015 18.9

2016 19

2017 19.2
2018 19.4

2019 19.5

2020 19.6
ps://www.singstat.gov.sg/find-data/search-by-theme/population/death-and-life-expectancy/latest-data)

Female LINEST (MALE) y=mx+c: m c

21.2 0.166783216783217 -317.20979020979

21.4 LINEST (FEMALE) y=mx+c: m c

21.6 0.175874125874126 -332.123426573427

21.7

21.9

22.1

22.3

22.4

22.6
22.7

23

23.2
Minimum income standards budgets
Budget amount for household type ($)
Partnered
Single parent, one parents, two
child (2–6 years children (7–12 Single elderly person
old) and 13–18 years
old)
Food and non-alcoholic beverages 50.08 103.53 47.62
Restaurant food* 0 0 11.89
Hawker food, food courts 81.6 238.4 35.98
Clothing 18.55 44.52 10.97
Footwear 3.62 10.2 1.82
Public transport 38.67 132.89 26.13
Housing purchase 159.84 297.89 38.98
Housing maintenance 4.66 5.9 1.88
Utilities 33.32 47.67 19.45
Household durables 34.9 40.2 16.98
Household services and supplies 19.93 19.2 4.44
Medical products 20.63 33.48 0.92
Healthcare 21.83 35.33 18.37
Communication 14.64 33.2 6.53
Recreation and entertainment 63.98 114.55 54.38
Newspapers, books and stationery 0.58 3.41 0.07
Holiday expenses 15.27 30.72 9.96
Tuition and other fees* 114.74 115.46 -
School textbooks, study guides 0.58 16.27 -
Personal care 26.34 44.76 18.7
Personal effects 4.56 8.39 2
Insurance 12.32 23.83 0.01
Social support services* 0 79.03 -
Total weekly budget 740.63 1,478.84 327.09
Monthly budget 3,218.22 6,425.92 1,421.30
Ratio to median monthly work income* 0.7 1.4 0.3
Without housing purchase, healthcare, education
1,947.34 4,639.41 1,196.59
and childcare
*NOTES:

• Restaurant food is included in the recreation and entertainment budget for the single and partnered parents’ households.

• Tuition and other fees include playgroup fees, childcare centre fees and kindergarten fees for children aged 2–6; and primary school miscellaneous fees, secondary school and misc

• Social support services refer to student care for children aged 7–12.

• The median gross monthly work income of full-time employed residents aged 15 and above including employer CPF contributions was $4,534 in 2020 (Ministry of Manpower, 2021).

Ng, K. H., Teo, Y. Y., Neo, Y. W., Maulod, A., Chok, S., & Wong, Y. L. (2021). What people need in Singapore: A
household budgets study. https://whatsenough.sg/key-findings-mis2021/, Page 31.
https://whatsenoughsg.files.wordpress.com/2021/10/2021-what-people-need-in-singapore-final-report.pdf
us fees, secondary school and miscellaneous fees, and private tuition fees for children aged 7–12 and 13–18.

2020 (Ministry of Manpower, 2021).