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Choose a currency
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Enter your plan
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What difference does starting earlier make?
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From what age would you like work to become a choice rather than a necessity? Fill in a few numbers to see how much you need, what difference starting earlier makes, and how three ways of preparing compare.
Singapore’s 2025 life tables show that, on average, a woman aged 65 can expect to live to 88.1 and a man to 84.9. In Hong Kong, women’s life expectancy had already reached 88.4 years in 2024. An average is only an average, and many people live longer. It is better for the money to outlast you than the other way round, so the calculation runs to age 90 by default. You can change this yourself.
With prices rising 2% a year, the same lifestyle costs twice as much after about 35 years. The living costs in this calculator are adjusted for inflation year by year, so the results show what you will really need “when the time comes”.
This money is your future living costs. If the market falls sharply just when you need it and you are forced to sell at a low point, the fund runs down faster. The closer you get to the start of financial freedom, the more it makes sense to keep what you need to live on somewhere stable and certain.
Medical and care costs usually rise with age, and they are hard to predict. We suggest preparing for them separately from your living costs, so that one illness does not upset the whole plan.
The conditions and amounts of social insurance, provident funds and employer pensions vary from place to place and can change with the rules, so this calculator leaves them out: whatever you receive adds to your peace of mind. If you would like to include them, add your estimate to “Money already set aside for this goal”.
Many people hope not only to live free of money worries, but also to leave part of their wealth to the next generation. Where your assets are held, how they pass on and how your family will receive them are all easier to arrange the earlier you start. For a first look at the taxes in different places, try our Estate & Gift Tax Calculator.
How to prepare, where to hold the money and how to look after your family at the same time: every family’s answer is different. You are welcome to bring your results and talk them through with us one to one.
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