The Financial Blueprint

Design Your Retirement Freedom

See when retirement may become possible, what lifestyle your existing resources could support, and which decision could make the greatest difference.

Your Timeline

When could you—and your partner, if applicable—reach full household retirement?

Your Lifestyle

What level of spending could your CPF, property, savings and investments support?

Your Next Move

What is the most useful change you could make without sacrificing more of today than necessary?

This is not about saving every possible dollar. It is about finding a clearer balance between enjoying life today, funding the retirement you want and leaving behind only what you intentionally choose.

The Financial Blueprint

Property • Wealth • Retirement

Build a clear picture of how your income, lifestyle, property and financial portfolio work together—today and throughout retirement.

  1. 1Client Profile
  2. 2Lifestyle Stages
  3. 3Property
  4. 4Financial Portfolio
  5. 5Conclusion
Live summary
Desired retirement lifestyle—
Monthly surplus available—
Retirement age (applicable)—
Income already supported—
Remaining to fund—
Additional new savings, monthly—
Current capital entered—
Plan-to age—
Inflation assumption—
Dividend return—
Growth return—
FD / conservative return—
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Step 1 of 5

Client Profile

Who this plan is for, their current and future income, and when they mean to slow down or stop working.

What matters most in this plan?

Pick up to two — this shapes the conversation and the order of recommendations. It never changes a calculation.
New to this client, or want to see a filled-in example first?

Case file

Household

Each client's own "plan to age" is set on their card below — the plan runs until whichever of them is later. The household's retirement lifestyle target itself is set in Step 2 — Lifestyle Stages.

Currency

Leave off if everything in this plan is in Singapore dollars. Switching on reveals a shared exchange-rate table below — enter each currency's rate once here and it fills in automatically wherever that currency is selected elsewhere in the plan (property, overseas pension). Any field can still be edited individually afterwards if a different rate or rate date applies there.
Version information (advisor only)
Last updated:
Master copy — do not rename or modify. Open this platform from the approved team folder. Do not save completed client information inside the shared master folder — use Start New before closing or returning this file to a shared location.
Step 2 of 5

Lifestyle Stages

What the household spends today, what it wants to spend in retirement, and whether that spending changes in stages.

Household lifestyle, $/month

Monthly expense breakdown

Housing costs are excluded here. Mortgage payments, rent, property tax and MCST/maintenance are entered in Step 3 — Property and added separately to the plan.

Enter the client's present monthly spending. The retirement column begins with the same amounts and can then be adjusted for expenses expected to rise, fall or end. Once any category is filled in, it's summed continuously into the two totals above — no confirmation step needed.

Today, $/monthAt retirement, $/month
Healthcare CPI does not directly predict the future premium of a specific insurance plan — Shield-plan premiums change from age-band increases, insurer repricing, claims experience and plan/rider design, not just general medical inflation. Choose the projection method that best matches what's actually known about this client's plan.
7. Travel
≈ $0/month travel averaged across the year, at retirement
Total today: $0/month
Estimated monthly lifestyle at retirement — future dollars: $0/month
Equivalent retirement-planning target — today's dollars: $0/month
The first figure estimates what the expenses may cost at retirement. The second converts them into today's purchasing power so they can be used consistently with the plan's real-return assumptions.
8. Existing wealth accumulation plans
Treated as an existing retirement contribution, not lifestyle spending — it's counted in today's affordability and offset against the estimated additional monthly saving/investing needed (Step 5), never counted as both an expense and a saving.
The rest — the other 50% — is invested in growth (spend-down) assets. Independent of the "funding split" used for any additional contributions (Step 4, Funding split & conservative comparison).

Housing costs are excluded here. Mortgage payments, rent, property tax and MCST/maintenance are entered in Step 3 — Property and added separately to the plan.

Inflation by expense category

Long-term (2015–2025 annualised) Singapore CPI by category (Singapore Department of Statistics) — a single calendar year is not used as the default, since one year's swing (e.g. Recreation was −1.1% in 2025 alone) isn't a defensible 20–40 year assumption; that latest 2025 figure is still shown, separately, for reference. Editable per category — resets to the long-term default at any time. Where a Step 2 field genuinely blends more than one official category, a disclosed simple-average "combined assumption" is shown instead of a single official rate. Series names, table numbers, index values and the exact CAGR calculation for each category are in Advisor Analysis → Reference & methodology.

These rates translate today's-dollar retirement-category amounts into future dollars for the years-to-retirement display below, and feed one disclosed weighted-basket adjustment to the overall retirement target where the client's spending mix diverges from general CPI — see Reference & methodology.
Household retirement spending stages
By default the household spends at the "Desired retirement lifestyle" rate above, from full retirement onward. The stages below are auto-derived from each client's own retirement age (Step 1) — enter a spending target only where the household's spending actually changes; employment income and CPF LIFE are netted off automatically and don't need to be entered here.
Today: household spending is $0/month (Step 2 detail above).
Both retired
Uses the "Desired retirement lifestyle" target set above — no separate entry needed here.
How the couple manages expenses (optional)
Context for the advisor's own notes only — every figure in this plan is already calculated at the household level regardless of which option is selected here.
Why this matters
Many couples don't retire on the same date — one partner often keeps earning (and the household keeps spending closer to today's level) for a stretch after the other stops. Each spending stage nets off both clients' own employment income and CPF LIFE automatically; you're only setting the household's spending target for that stretch, not what either client still earns.

Emergency cash reserve

Recommended: 3–6 months of current lifestyle expenses
Held aside and untouched — excluded from every income/growth calculation and from the investable retirement funding pot, but still shown in current wealth totals.
View planning guide (MoneySense)

One-off future expenses

Recognisable optional presets — editable planning gauges, not factual claims. None affect the calculation until activated.

Housing-related payments are excluded here. Property purchases, downpayments, additional property payments and renovations are entered under Step 3 — Property.

Add / edit one-off expenses
Suggested starting gauges only — edit freely to match the client's actual plans. One-time (unfinanced) expenses draw straight from the growth bucket at that age. Financed ones show their own monthly payment at the rate set beside each item — not the property mortgage assumption.
Step 3 of 5

Property

Up to three properties, mortgages, and what happens to the primary one over the plan.

Property 1 — first relevant property

Property details
Future plans for this property
Property tax, MCST & other costs
Used whether this property is own-stay, currently rented, or rented out later — enter once. Only request a change here if the cost itself changes from a date (e.g. owner-occupier vs non-owner-occupied property tax).
Valuation & mortgage
Estimated net property equity today: $0
Property value minus outstanding mortgage balance only — CPF refund and selling costs aren't deducted here, and only apply if a sale is modelled below.

Property 2

Optional — a second property, typically producing rental income.
Property 2

Property 3

Optional — a third property.
Property 3

Property assumptions

Applies to every Singapore property and replacement mortgage in this plan. Overseas properties use their own rate, entered on that property's card.
Mortgages are actual nominal contracts, so the loan rate is entered as-is, unconverted — everything else in this plan uses real, after-inflation returns (see Step 4 → Financial Portfolio). This same rate is shown live beside every property's mortgage field above so it's never necessary to look elsewhere to see what's applied.
Used to estimate new mortgage amounts automatically. This is a planning assumption, not confirmation of financing eligibility.
Step 4 of 5

Financial Portfolio

CPF, wealth accumulation and investments, policies, other retirement income, and the return assumptions behind the plan.

CPF

Ordinary Wage ceiling $8,000/month, 2026 contribution & interest rules. Anything projected forward is illustrative — CPF revises contribution rates, retirement sums and CPF LIFE payouts periodically, so a plan for someone retiring in 20–30 years is a placeholder, not a forecast.
Why this matters
Quick mode is right for most conversations — the client's own myCPF portal or a CPF LIFE estimate already gives a payout figure. Switch to Detailed only when you want to show how contributions, interest and CPF used for housing build up to that number, or when no estimate exists yet (e.g. a much younger client). MediSave is tracked for completeness but is never counted as spendable retirement capital or income here.

Wealth Accumulation & Investments

Quick-fills the detailed split below using the dividend/growth mix set in the assumptions below. Expand below to enter each holding separately instead — once you edit any detailed field, this quick total stops being used.
Break down by holding
SSB, bank account / accessible cash and T-Bills are liquid now and are counted as capital already secured (grown at the conservative FD-only rate set below). Emergency fund (Step 2) is deliberately excluded from all of this.

Policy and investment notes

Free-form notes, not calculation inputs. Kept only while this file stays open, never sent externally.
Off by default. Only turn this on if these notes are written for the client to read — check the wording before including them.
Include policy maturity in calculation

Only for a policy maturity you want actually reflected in the plan's numbers — up to three. Everything else stays in the notes above, kept separate so notes are never mistaken for calculation inputs.

Policies become liquid (roll into the growth bucket) at their maturity age.

Advisor's internal financial notes

Free-form, not a calculation input. Kept only while this file stays open, never sent externally.

Advisor only — not included in the client report, on screen or when printed.

Return & planning assumptions

Enter nominal (before-inflation) return assumptions below, plus inflation — the plan converts each to a real return internally (real = (1+nominal)÷(1+inflation)−1, not a simple subtraction) and uses the real rate throughout, so every dollar figure elsewhere stays in today's purchasing power.
Funding split & conservative comparison
The rest — the other 50% — comes from the growth (spend-down) pot.
Off = dividend capital must sustain the payout indefinitely (perpetuity) — this changes the plan's objective away from full drawdown, so it's kept here in Full Analysis rather than as a default. On (default) = it depletes to exactly $0 by the plan-to age, same as the growth bucket.
FD-only comparison models the entire leftover need as one low-yield pool instead of dividend+growth — a "what if the client does nothing actively" comparison.

Other retirement income — annuity or guaranteed payout

Most clients won't have one of these.
Does the client have another guaranteed/fixed retirement income source?
Step 5 of 5

Conclusion

What this plan requires, what's already supporting it, what's left to fund, and what to do now.

The Financial Blueprint Property • Wealth • Retirement

Choose your view

Use this view with the client: three conclusions, the important amounts and the next actions.
This plan is designed to fully fund your retirement spending through the selected plan-to age.
This retirement plan does not replace a separate review of protection, healthcare, tax, legal or estate-planning needs.
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The Financial Blueprint — a working model, not financial advice. All figures are in real, today's-purchasing-power dollars throughout (see Step 4 → Return & planning assumptions), in SGD unless a foreign-currency amount is shown with its exchange rate alongside. CPF figures use 2026 rules held constant and are explicitly illustrative for anyone whose CPF LIFE payout is decades away.
The Financial Blueprint Property • Wealth • Retirement