How much do you need to retire in Singapore? It’s one of those questions that feels impossible to answer, so most people never put a number on it. This page helps you do exactly that: use the calculator to get your personal figure, then read on to sanity-check it against real retiree spending data and your CPF.

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You’ve contributed to your SRS account and enjoyed the tax relief. Job done?

Not quite. The money is now earning 0.05% a year, and it may sit there for decades until your withdrawal age. Left uninvested, inflation will undo much of the benefit you contributed for.

In this guide, we go through the nine main investment options for SRS funds in 2026, what they currently pay, and, using official data, what SRS members are actually doing with their money.

If you’re new to the scheme itself, start with our guide to how SRS works first.

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More than seven in ten Singapore residents pay for private health insurance on top of a national scheme that already covers them for life, as of the first quarter of 2026.

That’s not an accident. It reflects what the Integrated Shield Plan (IP) offers that MediShield Life doesn’t, and in my opinion, it remains one of the most important types of insurance you can hold in Singapore.

But the rules changed meaningfully in 2025 and 2026, so whether you’re buying your first IP or wondering if your current one is still worth its premiums, here’s how it all works now.

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If an economy is improving, inflation is inevitable. The cost of goods and services will be rising over time.

If nothing is done to your liquid cash in the bank, its value will gradually diminish. And when it’s time for you to use the funds for your children’s education or for your own retirement, you might not have enough.

One alternative to deal with inflation in Singapore is through an endowment savings plan.

In this article, you’ll learn about what it is, how it works, factors to consider, the pros and cons, and more.

So, read on!

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