Projects how long the investable pool lasts against expenses, or the expenses it can sustain for a target horizon — accounting for Singapore inflation, CPF growth, CPF LIFE payouts at 65, and the mortgage schedule.
Sync from Google Sheet
Not connected. Client ID and Sheet ID are saved in this browser only (localStorage) so you don't have to re-enter them each time.
Mode
The solved expense guarantees the portfolio still has money left throughout that final year, not just barely reaching $0 at the end of it.
Only the months after this one are projected forward for Year 0 (expenses, dividends, mortgage payments, CPF growth, options income). Starting balances already reflect whatever dividends, options income, and spending happened this year up to now, so those months aren't re-added — this avoids double-counting year-to-date income that's already baked into the numbers entered.
Starting pool (from your latest snapshot)
Pool used for expenses = liquid + investments. HDB and CPF Medisave are excluded (not spendable for daily living).
Expected Annual Dividends.
Surplus cash is tracked separately and does not get capital-growth treatment. Set above 0% if you'd sweep idle cash into a savings account or T-bills.
Inflation & economy
SG CPI has averaged roughly 2–2.5%/yr long-run (higher in 2022–24). Adjust as you like.
Mortgage (paid via CPF-OA, cash if OA short)
The loan's final payment month. Remaining tenure in months is calculated automatically from today's date each time you open this — no need to recompute it yourself.
The model works out the actual repricing date and months-until-switch from today automatically.
People & CPF
(BRS = FRS/2), both historically rising ~3.5%/yr. Each person's RA is capped at the FRS applicable in their own 55th-birthday year; excess SA above that is freed up as withdrawable cash.
Grounded in CPF Board's own worked example: $288,900 in RA at age 65 pays ~$1,470–1,570/month for life under the Standard Plan — about 6.3%/yr of the age-65 balance.
Options wheel income (optional)
This is carved out of the "Liquid cash & equivalents" figure above so it isn't double-counted — the rest of that figure is treated as ordinary idle cash with no wheel activity.
Applied to the cash balance at the start of each year. Premiums earned are added back into the cash pile and compound there.
Default here is the 3-year average.
Only applies in Fixed $ mode — in % mode, growth already happens naturally as the cash pile compounds. This income stream is inherently volatile and market-dependent — treat any single rate as a rough average, not a guarantee.