The biggest regret is not spending your wealth before you die.
The biggest fear is spending your wealth and not die.
ABOUT
We live in uncertain times and yet we have high expectations of the life before us.
This is created by a Millennial, for Millennials and Gen Z to understand if we can retire and live as comfortably as we expect to so that as we work hard, we can also have more certainty on what's ahead of us when we rest.
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How many of us actually know our retirement goals and are confident of meeting them to be financially secured at the end of our careers?
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SGRetirementCalculator is a personal finance calculator to help you understand your retirement goals, and if you are able to get there.
WHAT IS THIS?
This is a FREE retirement calculator built on Microsoft Excel to help you understand your personal retirement goals, and if you are able to get there based on what you have now, and what you do from here on.
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This is a tool to help you understand what plans you need to make to reach your goals or adjust them.
This is NOT a sales tool to sell you anything.
WHAT CAN I GAIN FROM THIS?
You will be able to understand if you are able to meet your retirement goals or do you have to either make changes to your lifestyle so as to achieve your goals, or adjust your goals to be more realistic.
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Through this output, you will know what purchases can you afford to make and what kind of retirement are you able to enjoy.
WHY IS THIS IMPORTANT?
If you fail to plan, you plan to fail.
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All of us know the kind of retirement we want - enjoying holidays and the company of friends.
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Most of us know how much that cost to lead such a life.
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Few of us know if we are able to get there.
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This is a tool to help you understand what kind of life you can lead now, in order to enjoy the kind of life you wish to retire into so that you can live your life with confidence and security that your retirement ideals are financially possible.
HOW DO I USE THIS?
Download the calculator from the link above and input your details to account for your current financial status as well as your ideals.
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This is completely free and you are free to control and adjust your inputs to what you are comfortable with.
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Upon completion, you will immediately be able to view the insights as to whether you are able to lead the life you want while still reaching your retirement goals. The more information you provide, the more accurate it will be.
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If you do send back this model to us, you will receive a personalized and customized report with insights on your financial health and recommendations on how to manage your finances and adjust your assets in order to meet your retirement goals.
FAQ
WHO ARE YOU?
No sales pitch, no hidden agenda, I'm not trying to sell you anything.
I am a Millennial that realized many of us have misaligned expectations of retirement.
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Unlike the older generations, we work to live, not live to work.
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We want to retire early and comfortably, but don't know how to get there or are unsure if we can get there.
WHAT IS THE COST TO USE THIS?
Absolutely nothing!
On top of that, it's easy to use and understand. And you can always contact us if you need some help.
Download the file and try it out.
HOW IS THIS DIFFERENT TO OTHER CALCULATORS?
This is built for Millennials and Gen Z who are just entering the workforce or are young to mid-career professionals.
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We understand your time and attention is limited, and that your life journey will still go through several changes.
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The power of this model is that it is:
Dynamic - factors in not just your current lifestyle but also your expected future one.
Simple - minimum inputs on your end, yet highly customizable to your preferences depending how much effort you want to put it. More effort, more accurate.
Realistic - accounts for inflation, salary increments etc to reflect your reality. Your life isn't static - your calculations shouldn't be too.
Accurate - Factors in complicated relationships such as using CPF to pay for home loans, investment maturity, taxes, different level of financial support to parents and children etc to ensure it is as accurate to your reality as possible.
Shows visual progress - after all that data input, the last thing you want is just a statement of "yes" or "no". This model provides a visual representation that is also dynamic, allowing you to see the effect of any lifestyle adjustment on your retirement goals.
HOW ACCURATE IS THIS?
This has been validated and tested for accuracy by several people including professionals in the personal finance space before being released to you. It is accurate, but hey, everyone makes mistakes right?
Try it out. It's free anyway. And don't forget to contact us if you have any areas for improvements.
WHAT CAN I EXPECT OUT OF THIS?
You can expect answers to some difficult questions such as:
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Can I afford a $XX property?
How much can I afford to spend on kids?
Are my retirement goals of $X by Year Y possible?
At what age can I hit my retirement goal of $X?
How long will my retirement money last?
How much does saving $Z now quicken my plans to retire?
How much faster can I reach my target if I save $Z in the bank, or invest in stocks, or bonds, or fixed deposits?