Personal Finanical Tool:Retirement Fund Calculation

8/9/2019 Personal Finanical Tool:Retirement Fund Calculation

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Version 1.3

What's New in This Version:- Add in Pie Chart to analyse the breakdown of money usage..

Ver. 1.3


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- Add in longer sheet to allow people to plan till 100 years old

Today is : 25-Apr-2010

Please Enter the following Information (in the boxes)

Your Birth Year => : 1964 Eg. 1969

The Age You Want to Retire => : 50 Eg. 56

Your Life Expectancy => : 88 Eg. 88 (Life Expectancy in Singapo

The Inflation Rate in % => : 5.0% Eg. 2% (Typical between 1 to 3 %)The Bank Interest Rate in % => : 0.5% Eg. 1.25% (Typical between below

If you already installed the Solver, go on with the "Expenses" sheet. Else you might want to read t

What need to be enchanced?

Note:

- It does not mean to create fear for those who have shortage of money nor to ask s

- This is a Freeware

- *Solver- If you have not use Excel Solver before Your System may not have it. Ifwich is describe at the bottom of this sheet...

- CPF Allocation after 55 years old is not 100% clear from reading the CPF WebpagOn the other hand, the formula in this worksheet is working very accurate up to 55 yas varify with the On-Line Tools provided in the Website as shown in Last WorksheMeanwhile, for Calculatin Purpose. CPF will continue to keep in Retirement Accounearn 4% interest...Strongly recommend that you visit the CPF Home Page...

CPF Home Page...

- This Work Sheet is to help in creating an awareness of, (if you have not done a simDo You Require to Make in order to Retire with Financial Abandance

- There is no perfect way to work out the actual sum as nothing is more Dynamic thathis work sheet should figure out the ball park number for target setting... A yearly

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http://www.cpf.gov.sg/cpf_info/home.asphttp://www.cpf.gov.sg/cpf_info/home.asp


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* About the Excel Solver (Excel 2003)

If you have not use the Solver before, likely that it is not install,which means you can not find it on the Tool Manual.

Then you will need to select the "Add-Ins" and proceed with the Installation

Please click on to the next work sheet...

Excel 2007: Loading the Solver add-in in Excel 2007

1. Click the Microsoft Office Button , and then click Excel Options.

2. Click Add-Ins, and then in the Manage box, select Excel Add-ins.

3. Click Go.

4. In the Add-Ins available box, select the Solver Add-in check box, and then click OK.

If you get prompted that the Solver Add-in is not currently installed on your computer, click Yes to inTip: If Solver Add-in is not listed in the Add-Ins available box, click Browse to locate the add-in.


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5. After you load the Solver Add-in, the Solver command is available in the Analysis group on the Dat

Finally, you will see it on the tool on the Data Tool Bar. :-)


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Just a Social Service Bless you.

http://blessedfool.blogspot.com/


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:

re is 80 now, and expect to be longer)

Note added in 2010: This was already History From 2010 onwards, it is expecte1.5% for now)

e followings:

meone to retire Immediately

so, it need to do Add-ins installation

...ear oldt.t to

ilar study), How Much More

n Life today... On the other hand,review would be good.


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as shown in the diagram.

stall it.


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tab.


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to be at least 5% to double digit!)


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How Much Do you Spend Every Year?

RETIREMENT PLAN CALCULATION SHEET (Ver. 1Instructions: 1) You will only need to Fill up all the column B cells in Pink Color ONLY There worksheet will automatic

2) Column S (Red color) is your Sum Required for retirement with the respective age and years...

3) At the bottom of the sheet, the Pie Chart will show the break down of money usage may be a good wa

Sheet 1: Expenses Calculation Year as of today = 2010

ExpenseYour Current Age => 46

Your Retire Age 50

Life Expectancy 88

Inflation Rate 5.0% Your Inf. Yearly Housing Car Equipment Childre

Bank Interest Rate 0.5% Years Age Rate Need Installment Installment Installment Insurrance Expens

2010 46 5.0% $22,320 $12,000 $12,000 $300 $4,000 $10

2011 47 5.0% $23,436 $12,000 $12,000 $300 $4,000 $102012 48 5.0% $24,608 $12,000 $12,000 $300 $4,000 $102013 49 5.0% $25,838 $12,000 $12,000 $300 $4,000 $102014 50 5.0% $27,130 $12,000 $12,000 $300 $4,000 $10

Monthly Basic Need 2015 51 5.0% $28,487 $12,000 $12,000 $300 $4,000 $10

Clothing $60 2016 52 5.0% $29,911 $12,000 $12,000 $300 $4,000 $10

Food $500 2017 53 5.0% $31,406 $12,000 $12,000 $300 $4,000 $10

Housing $300 2018 54 5.0% $32,977 $12,000 $12,000 $300 $4,000 $10

Transportation $300 2019 55 5.0% $34,626 $12,000 $12,000 $300 $4,000 $10

Health Care $200 2020 56 5.0% $36,357 $12,000 $12,000 $300 $4,000 $10

.any others 1 2021 57 5.0% $38,175 $0 $0 $300 $4,000 $10

.any others 2 2022 58 5.0% $40,084 $0 $0 $300 $4,000 $10

2023 59 5.0% $42,088 $0 $0 $300 $0 $10

Extra Bonus 2024 60 5.0% $44,192 $0 $0 $300 $0 $10

Entertainment 100 2025 61 5.0% $46,402 $0 $0 $300 $0 $10

Donation 50 2026 62 5.0% $48,722 $0 $0 $300 $0 $10Travel 100 2027 63 5.0% $51,158 $0 $0 $300 $0 $10

Lottery 250 2028 64 5.0% $53,716 $0 $0 $300 $0 $10

Hobby/Collection 2029 65 5.0% $56,402 $0 $0 $300 $0 $10

.any others 3 2030 66 5.0% $59,222 $0 $0 $300 $0 $10

.any others 4 2031 67 5.0% $62,183 $0 $0 $0 $0

2032 68 5.0% $65,292 $0 $0 $0 $0

Monthly Total => $1,860 2033 69 5.0% $68,556 $0 $0 $0 $0

Yearly Total => $22,320 2034 70 5.0% $71,984 $0 $0 $0 $0

2035 71 5.0% $75,583 $0 $0 $0 $0

Installment with Fix 2036 72 5.0% $79,363 $0 $0 $0 $0

Period of time frame YEARLY 2037 73 5.0% $83,331 $0 $0 $0 $0

- *Housing 12000 2038 74 5.0% $87,497 $0 $0 $0 $0

from:-> XXXX 2003 2039 75 5.0% $91,872 $0 $0 $0 $0

to :-> YYYY 2020 2040 76 5.0% $96,466 $0 $0 $0 $0

2041 77 5.0% $101,289 $0 $0 $0 $0 - *Car 12000 2042 78 5.0% $106,353 $0 $0 $0 $0

from:-> XXXX 2003 2043 79 5.0% $111,671 $0 $0 $0 $0

to :-> YYYY 2020 2044 80 5.0% $117,255 $0 $0 $0 $0

2045 81 5.0% $123,117 $0 $0 $0 $0

- *Household Equipment 300 2046 82 5.0% $129,273 $0 $0 $0 $0

from:-> XXXX 2003 2047 83 5.0% $135,737 $0 $0 $0 $0

to :-> YYYY 2030 2048 84 5.0% $142,524 $0 $0 $0 $0

2049 85 5.0% $149,650 $0 $0 $0 $0

- *Insurance 4000 2050 86 5.0% $157,133 $0 $0 $0 $0

from:-> XXXX 2003 2051 87 5.0% $164,989 $0 $0 $0 $0

to :-> YYYY 2022 2052 88 5.0% $173,239 $0 $0 $0 $0

2053 89 5.0% $0 $0 $0 $0 $0

- *Children 10000 2054 90 5.0% $0 $0 $0 $0 $0

from:-> XXXX 2003 2055 91 5.0% $0 $0 $0 $0 $0 to :-> YYYY 2030 2056 92 5.0% $0 $0 $0 $0 $0

2057 93 5.0% $0 $0 $0 $0 $0

*Income Tax 4000 2058 94 5 0% $0 $0 $0 $0 $0

Expenses Requiredto Stay in

Planet Earth1


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How Much Do you Spend Every Year?


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Total Sum After the Execution of

Reuired to The Solver

Total Spend from This Column shows the

Annual Now till Leave amount of $$$$ you

Years Age Expenses Planet Earth can retire w.r.t year2010 46 $64,620 $3,767,911 3,320,004

2011 47 $65,736 $3,703,291 3,271,984

2012 48 $66,908 $3,637,555 3,222,608

2013 49 $68,138 $3,570,648 3,171,814

2014 50 $69,430 $3,502,509 3,119,535

2015 51 $70,787 $3,433,079 3,065,702

2016 52 $72,211 $3,362,293 3,010,244

2017 53 $73,706 $3,290,082 2,953,084

2018 54 $75,277 $3,216,375 2,894,143

2019 55 $76,926 $3,141,098 2,833,337

2020 56 $78,657 $3,064,173 2,770,578

2021 57 $52,475 $2,985,516 2,705,7742022 58 $54,384 $2,933,041 2,666,828

2023 59 $52,388 $2,878,658 2,625,779

2024 60 $54,492 $2,826,270 2,586,520

2025 61 $56,702 $2,771,778 2,544,961

2026 62 $59,022 $2,715,076 2,500,984

2027 63 $61,458 $2,656,054 2,454,467

2028 64 $64,016 $2,594,596 2,405,281

2029 65 $66,702 $2,530,581 2,353,292

2030 66 $69,522 $2,463,879 2,298,357

2031 67 $62,183 $2,394,358 2,240,327

2032 68 $65,292 $2,332,175 2,189,346

2033 69 $68,556 $2,266,883 2,135,0012034 70 $71,984 $2,198,327 2,077,120

2035 71 $75,583 $2,126,342 2,015,521

2036 72 $79,363 $2,050,759 1,950,015

2037 73 $83,331 $1,971,396 1,880,403

2038 74 $87,497 $1,888,066 1,806,474

2039 75 $91,872 $1,800,568 1,728,009

2040 76 $96,466 $1,708,696 1,644,777

2041 77 $101,289 $1,612,230 1,556,535

BONUSFEATURE!

Solver

The Solver will Calculatethe Amount of Cash Required to Retire Now!

It takes the Compound Interest into ConsiderationIf you have the Cash Now!


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2042 78 $106,353 $1,510,941 1,463,029

2043 79 $111,671 $1,404,588 1,363,990

2044 80 $117,255 $1,292,917 1,259,139

2045 81 $123,117 $1,175,662 1,148,180

2046 82 $129,273 $1,052,545 1,030,803

2047 83 $135,737 $923,271 906,684

2048 84 $142,524 $787,534 775,4812049 85 $149,650 $645,010 636,834

2050 86 $157,133 $495,360 490,368

2051 87 $164,989 $338,228 335,687

2052 88 $173,239 $173,239 172,377

2053 89 $0 $0 0

2054 90 $0 $0 0

2055 91 $0 $0 0

2056 92 $0 $0 0

2057 93 $0 $0 0

2058 94 $0 $0 0

2059 95 $0 $0 0

2060 96 $0 $0 02061 97 $0 $0 0

2062 98 $0 $0 0

2063 99 $0 $0 0

2064 100 $0 $0 0

2065 101 $0 $0 0

2066 102 $0 $0 0

2067 103 $0 $0 0

2068 104 $0 $0 0

2069 105 $0 $0 0

2070 106 $0 $0 0

2071 107 $0 $0 0

2072 108 $0 $0 02073 109 $0 $0 0

2074 110 $0 $0 0

2075 111 $0 $0 0

2076 112 $0 $0 0

2077 113 $0 $0 0

2078 114 $0 $0 0

2079 115 $0 $0 0

2080 116 $0 $0 0

2081 117 $0 $0 0

2082 118 $0 $0 0

2083 119 $0 $0 0

2084 120 $0 $0 02085 121 $0 $0 0


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How to Use it.

Step 1: Go to Tools Menu

Step 2: Select "Solver"

Step 3: Press "Solve"

Step 4: Press "OK"

Note: If you do not find the Solver in the Tool Menu,

please follow the Installation instruction in the

welcome page (bottom portion).

1


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RETIREMENT PLAN CALCULATInstructions: 1) Fill up the Current Cash at D16, the Bank interest Rate will copy over from Welcome Pag

2) Enter the Annual income, this work sheet provide 3 steams of input for income. Where Str

to most families. Stream 3 is pure cash entry such as part -time business, etc.. If not app

3) Enter the CPF 1 & 2 Account with current value in respective account. (Interest Rate Refe

4) Enter the Insurrance Payback due to Maturity

5) See How Much More Do you need to Earn

Sheet 2: Incomes Calculation (Normal wor

Total Sum Annual Increment Stream 1 Stream 2 Stream 3

Reuired to Number of Percent-> 2.0% 0.0% 0.0%

Spend from Current Bank Stream 1 Stream 2 Stream 3 CashNow till Leave Your Cash in Int. Annual Annual Annual Saved fr.

Planet Earth Years Age Bank Rate Income Income Income Stream1

$3,767,911 2010 46 $20,000 0.50% 50,555 30,000 0 $40,444

$3,703,291 2011 47 $19,924 0.50% 51,566 30,000 0 $41,253

$3,637,555 2012 48 $19,541 0.50% 52,597 30,000 0 $42,078

$3,570,648 2013 49 $18,808 0.50% 53,649 30,000 0 $42,919

$3,502,509 2014 50 $17,684 0.50% 0 0 0 $0

$3,433,079 2015 51 -$51,658 0.50% 0 0 0 $0

$3,362,293 2016 52 -$122,703 0.50% 0 0 0 $0

$3,290,082 2017 53 -$195,527 0.50% 0 0 0 $0

$3,216,375 2018 54 -$270,211 0.50% 0 0 0 $0$3,141,098 2019 55 -$346,839 0.50% 0 0 0 $0

$3,064,173 2020 56 -$425,499 0.50% 0 0 0 $0

$2,985,516 2021 57 -$506,284 0.50% 0 0 0 $0

$2,933,041 2022 58 -$561,290 0.50% 0 0 0 $0

$2,878,658 2023 59 -$618,480 0.50% 0 0 0 $0

$2,826,270 2024 60 -$673,960 0.50% 0 0 0 $0

$2,771,778 2025 61 -$731,822 0.50% 0 0 0 $0

$2,715,076 2026 62 -$792,182 0.50% 0 0 0 $0

$2,656,054 2027 63 -$755,165 0.50% 0 0 0 $0

$2,594,596 2028 64 -$820,399 0.50% 0 0 0 $0

$2,530,581 2029 65 -$888,517 0.50% 0 0 0 $0

$2,463,879 2030 66 -$959,661 0.50% 0 0 0 $0$2,394,358 2031 67 -$1,033,981 0.50% 0 0 0 $0

$2,332,175 2032 68 -$1,101,333 0.50% 0 0 0 $0

$2,266,883 2033 69 -$1,172,132 0.50% 0 0 0 $0

$2,198,327 2034 70 -$1,246,549 0.50% 0 0 0 $0

$2,126,342 2035 71 -$1,324,766 0.50% 0 0 0 $0

$2,050,759 2036 72 -$1,406,973 0.50% 0 0 0 $0

$1,971,396 2037 73 -$1,493,370 0.50% 0 0 0 $0

$1,888,066 2038 74 -$1,584,168 0.50% 0 0 0 $0

$1,800,568 2039 75 -$1,679,586 0.50% 0 0 0 $0

$1,708,696 2040 76 -$1,779,856 0.50% 0 0 0 $0

$1,612,230 2041 77 -$1,885,221 0.50% 0 0 0 $0

$1,510,941 2042 78 -$1,995,936 0.50% 0 0 0 $0$1,404,588 2043 79 -$2,112,270 0.50% 0 0 0 $0

1

2

3


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$1,292,917 2044 80 -$2,234,502 0.50% 0 0 0 $0

$1,175,662 2045 81 -$2,362,929 0.50% 0 0 0 $0

$1,052,545 2046 82 -$2,497,861 0.50% 0 0 0 $0

$923,271 2047 83 -$2,639,624 0.50% 0 0 0 $0

$787,534 2048 84 -$2,788,559 0.50% 0 0 0 $0

$645,010 2049 85 -$2,945,026 0.50% 0 0 0 $0

$495,360 2050 86 -$3,109,401 0.50% 0 0 0 $0

$338,228 2051 87 -$3,282,081 0.50% 0 0 0 $0

$173,239 2052 88 -$3,463,480 0.50% 0 0 0 $0

$0 2053 89 -$3,654,036 0.50% 0 0 0 $0

$0 2054 90 -$3,672,306 0.50% 0 0 0 $0

$0 2055 91 -$3,690,668 0.50% 0 0 0 $0

$0 2056 92 -$3,709,121 0.50% 0 0 0 $0

$0 2057 93 -$3,727,667 0.50% 0 0 0 $0

$0 2058 94 -$3,746,305 0.50% 0 0 0 $0

$0 2059 95 -$3,765,037 0.50% 0 0 0 $0

$0 2060 96 -$3,783,862 0.50% 0 0 0 $0

$0 2061 97 -$3,802,781 0.50% 0 0 0 $0$0 2062 98 -$3,821,795 0.50% 0 0 0 $0

$0 2063 99 -$3,840,904 0.50% 0 0 0 $0

$0 2064 100 -$3,860,109 0.50% 0 0 0 $0

$0 2065 101 -$3,879,409 0.50% 0 0 0 $0

$0 2066 102 -$3,898,806 0.50% 0 0 0 $0

$0 2067 103 -$3,918,300 0.50% 0 0 0 $0

$0 2068 104 -$3,937,892 0.50% 0 0 0 $0

$0 2069 105 -$3,957,581 0.50% 0 0 0 $0

$0 2070 106 -$3,977,369 0.50% 0 0 0 $0

$0 2071 107 -$3,997,256 0.50% 0 0 0 $0

$0 2072 108 -$4,017,242 0.50% 0 0 0 $0

$0 2073 109 -$4,037,328 0.50% 0 0 0 $0$0 2074 110 -$4,057,515 0.50% 0 0 0 $0

$0 2075 111 -$4,077,803 0.50% 0 0 0 $0

$0 2076 112 -$4,098,192 0.50% 0 0 0 $0

$0 2077 113 -$4,118,683 0.50% 0 0 0 $0

$0 2078 114 -$4,139,276 0.50% 0 0 0 $0

$0 2079 115 -$4,159,972 0.50% 0 0 0 $0

$0 2080 116 -$4,180,772 0.50% 0 0 0 $0

$0 2081 117 -$4,201,676 0.50% 0 0 0 $0

$0 2082 118 -$4,222,685 0.50% 0 0 0 $0

$0 2083 119 -$4,243,798 0.50% 0 0 0 $0

$0 2084 120 -$4,265,017 0.50% 0 0 0 $0

$0 2085 121 -$4,286,342 0.50% 0 0 0 $0


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ON SHEET (Ver. 1.3).

eam 1 and Stream 2 have Auto CPF Calculation, which applicable

licable, please enter '0'.

r to Last Sheet, Which is taken care off...)

ing income without investment)C

Interest Rates for:-> Ordinary: 2.5% Meisave:

Special: 4.0% Retirement:

Cash Yearly CPF Account 1Saved fr. Saved Ord. Acc. 1 Sp. Acc. 1 Med. Acc. 1

Stream2 Cash Ordinary 1 Special 1 Medisave 1 Income Income Income

$24,000 -$176 $10,000 $1,000 $1,000 $11,122 $3,033 $4,044

$24,000 -$483 $21,372 $4,073 $5,084 $11,345 $3,094 $4,125

$24,000 -$830 $33,251 $7,330 $9,413 $11,571 $3,156 $4,208

$24,000 -$1,219 $45,654 $10,779 $13,997 $11,803 $3,219 $4,292

$0 -$69,430 $58,598 $14,429 $18,849 $0 $0 $0

$0 -$70,787 $60,063 $15,007 $19,603 $0 $0 $0

$0 -$72,211 $61,564 $15,607 $20,387 $0 $0 $0

$0 -$73,706 $63,103 $16,231 $21,203 $0 $0 $0

$0 -$75,277 $64,681 $16,880 $22,051 $0 $0 $0$0 -$76,926 $66,298 $17,556 $22,933 $0 $0 $0

$0 -$78,657 $68,950 $18,258 $23,850 $0 $0 $0

$0 -$52,475 $71,708 $18,988 $24,804 $0 $0 $0

$0 -$54,384 $74,576 $19,748 $25,796 $0 $0 $0

$0 -$52,388 $77,559 $20,538 $26,828 $0 $0 $0

$0 -$54,492 $80,662 $21,359 $27,901 $0 $0 $0

$0 -$56,702 $83,888 $22,213 $29,018 $0 $0 $0

$0 -$59,022 $87,244 $23,102 $30,178 $0 $0 $0

$0 -$61,458 $90,734 $24,026 $31,385 $0 $0 $0

$0 -$64,016 $94,363 $24,987 $32,641 $0 $0 $0

$0 -$66,702 $98,137 $25,987 $33,946 $0 $0 $0

$0 -$69,522 $102,063 $27,026 $35,304 $0 $0 $0$0 -$62,183 $106,145 $28,107 $36,716 $0 $0 $0

$0 -$65,292 $110,391 $29,231 $38,185 $0 $0 $0

$0 -$68,556 $114,807 $30,401 $39,712 $0 $0 $0

$0 -$71,984 $119,399 $31,617 $41,301 $0 $0 $0

$0 -$75,583 $124,175 $32,881 $42,953 $0 $0 $0

$0 -$79,363 $129,142 $34,196 $44,671 $0 $0 $0

$0 -$83,331 $134,308 $35,564 $46,458 $0 $0 $0

$0 -$87,497 $139,680 $36,987 $48,316 $0 $0 $0

$0 -$91,872 $145,267 $38,466 $50,249 $0 $0 $0

$0 -$96,466 $151,078 $40,005 $52,259 $0 $0 $0

$0 -$101,289 $157,121 $41,605 $54,349 $0 $0 $0

$0 -$106,353 $163,406 $43,269 $56,523 $0 $0 $0$0 -$111,671 $169,942 $45,000 $58,784 $0 $0 $0

44

6


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$0 -$117,255 $176,740 $46,800 $61,136 $0 $0 $0

$0 -$123,117 $183,809 $48,672 $63,581 $0 $0 $0

$0 -$129,273 $191,162 $50,619 $66,124 $0 $0 $0

$0 -$135,737 $198,808 $52,644 $68,769 $0 $0 $0

$0 -$142,524 $206,761 $54,750 $71,520 $0 $0 $0

$0 -$149,650 $215,031 $56,940 $74,381 $0 $0 $0

$0 -$157,133 $223,632 $59,217 $77,356 $0 $0 $0

$0 -$164,989 $232,578 $61,586 $80,450 $0 $0 $0

$0 -$173,239 $241,881 $64,049 $83,668 $0 $0 $0

$0 $0 $251,556 $66,611 $87,015 $0 $0 $0

$0 $0 $261,618 $69,276 $90,496 $0 $0 $0

$0 $0 $272,083 $72,047 $94,115 $0 $0 $0

$0 $0 $282,966 $74,929 $97,880 $0 $0 $0

$0 $0 $294,285 $77,926 $101,795 $0 $0 $0

$0 $0 $306,056 $81,043 $105,867 $0 $0 $0

$0 $0 $318,299 $84,285 $110,102 $0 $0 $0

$0 $0 $331,030 $87,656 $114,506 $0 $0 $0

$0 $0 $344,272 $91,162 $119,086 $0 $0 $0$0 $0 $358,043 $94,809 $123,849 $0 $0 $0

$0 $0 $372,364 $98,601 $128,803 $0 $0 $0

$0 $0 $387,259 $102,545 $133,955 $0 $0 $0

$0 $0 $402,749 $106,647 $139,314 $0 $0 $0

$0 $0 $418,859 $110,913 $144,886 $0 $0 $0

$0 $0 $435,613 $115,349 $150,682 $0 $0 $0

$0 $0 $453,038 $119,963 $156,709 $0 $0 $0

$0 $0 $471,160 $124,762 $162,977 $0 $0 $0

$0 $0 $490,006 $129,752 $169,496 $0 $0 $0

$0 $0 $509,606 $134,942 $176,276 $0 $0 $0

$0 $0 $529,990 $140,340 $183,327 $0 $0 $0

$0 $0 $551,190 $145,954 $190,660 $0 $0 $0$0 $0 $573,238 $151,792 $198,287 $0 $0 $0

$0 $0 $596,167 $157,863 $206,218 $0 $0 $0

$0 $0 $620,014 $164,178 $214,467 $0 $0 $0

$0 $0 $644,814 $170,745 $223,046 $0 $0 $0

$0 $0 $670,607 $177,575 $231,968 $0 $0 $0

$0 $0 $697,431 $184,678 $241,246 $0 $0 $0

$0 $0 $725,328 $192,065 $250,896 $0 $0 $0

$0 $0 $754,342 $199,748 $260,932 $0 $0 $0

$0 $0 $784,515 $207,737 $271,369 $0 $0 $0

$0 $0 $815,896 $216,047 $282,224 $0 $0 $0

$0 $0 $848,532 $224,689 $293,513 $0 $0 $0

$0 $0 $882,473 $233,676 $305,253 $0 $0 $0


26/39

F

4.0% Insurance Liquidable

4.0% Payback

CPF Account 2 InsuranceOrd. Acc. 2 Sp. Acc 2 Med. Acc. 2 Maturity At the Age of..

Ordinary 2 Special 2 Medisave 2 Income Income Income (Lump Sum)

$0 $0 $0 $6,600 1800 2400 $0 $31,000

$6,600 $1,800 $2,400 $6,600 1800 2400 $52,641

$13,365 $3,672 $4,896 $6,600 1800 2400 $0 $64,363

$20,299 $5,619 $7,492 $6,600 1800 2400 $76,265

$27,407 $7,644 $10,192 $0 0 0 $76,282

$28,092 $7,949 $10,599 $0 0 0 $8,405

$28,794 $8,267 $11,023 $0 0 0 -$61,139

$29,514 $8,598 $11,464 $0 0 0 -$132,424

$30,252 $8,942 $11,923 $0 0 0 -$205,530$31,008 $9,300 $12,400 $0 0 0 -$280,541

$32,248 $9,672 $12,896 $0 0 0 -$356,549

$33,538 $10,059 $13,411 $0 0 0 -$434,576

$34,880 $10,461 $13,948 $0 0 0 -$486,713

$36,275 $10,879 $14,506 $0 0 0 -$540,920

$37,726 $11,314 $15,086 $0 0 0 -$593,298

$39,235 $11,767 $15,689 $0 0 0 -$647,933

$40,804 $12,238 $16,317 $0 0 0 $100,000 -$604,939

$42,437 $12,727 $16,970 $0 0 0 -$664,432

$44,134 $13,236 $17,648 $0 0 0 -$726,036

$45,899 $13,766 $18,354 $0 0 0 -$790,379

$47,735 $14,316 $19,089 $0 0 0 -$857,598$49,645 $14,889 $19,852 $0 0 0 -$927,835

$51,631 $15,485 $20,646 $0 0 0 -$990,942

$53,696 $16,104 $21,472 $0 0 0 -$1,057,325

$55,844 $16,748 $22,331 $0 0 0 -$1,127,150

$58,078 $17,418 $23,224 $0 0 0 -$1,200,591

$60,401 $18,115 $24,153 $0 0 0 -$1,277,831

$62,817 $18,839 $25,119 $0 0 0 -$1,359,063

$65,329 $19,593 $26,124 $0 0 0 -$1,444,488

$67,942 $20,377 $27,169 $0 0 0 -$1,534,319

$70,660 $21,192 $28,256 $0 0 0 -$1,628,778

$73,487 $22,039 $29,386 $0 0 0 -$1,728,100

$76,426 $22,921 $30,561 $0 0 0 -$1,832,530$79,483 $23,838 $31,784 $0 0 0 -$1,942,327

5

77


27/39

$82,662 $24,791 $33,055 $0 0 0 -$2,057,762

$85,969 $25,783 $34,377 $0 0 0 -$2,179,120

$89,408 $26,814 $35,752 $0 0 0 -$2,306,700

$92,984 $27,887 $37,183 $0 0 0 -$2,440,816

$96,703 $29,002 $38,670 $0 0 0 -$2,581,799

$100,571 $30,162 $40,217 $0 0 0 -$2,729,995

$104,594 $31,369 $41,825 $0 0 0 -$2,885,769

$108,778 $32,624 $43,498 $0 0 0 -$3,049,503

$113,129 $33,929 $45,238 $0 0 0 -$3,221,599

$117,654 $35,286 $47,048 $0 0 0 -$3,402,480

$122,361 $36,697 $48,930 $0 0 0 -$3,410,688

$127,255 $38,165 $50,887 $0 0 0 -$3,418,585

$132,345 $39,692 $52,922 $0 0 0 -$3,426,155

$137,639 $41,279 $55,039 $0 0 0 -$3,433,382

$143,145 $42,931 $57,241 $0 0 0 -$3,440,249

$148,870 $44,648 $59,530 $0 0 0 -$3,446,738

$154,825 $46,434 $61,912 $0 0 0 -$3,452,831

$161,018 $48,291 $64,388 $0 0 0 -$3,458,510$167,459 $50,223 $66,964 $0 0 0 -$3,463,753

$174,157 $52,232 $69,642 $0 0 0 -$3,468,540

$181,124 $54,321 $72,428 $0 0 0 -$3,472,850

$188,368 $56,494 $75,325 $0 0 0 -$3,476,660

$195,903 $58,753 $78,338 $0 0 0 -$3,479,947

$203,739 $61,104 $81,471 $0 0 0 -$3,482,687

$211,889 $63,548 $84,730 $0 0 0 -$3,484,854

$220,364 $66,090 $88,120 $0 0 0 -$3,486,422

$229,179 $68,733 $91,644 $0 0 0 -$3,487,363

$238,346 $71,483 $95,310 $0 0 0 -$3,487,650

$247,880 $74,342 $99,123 $0 0 0 -$3,487,252

$257,795 $77,316 $103,087 $0 0 0 -$3,486,138$268,107 $80,408 $107,211 $0 0 0 -$3,484,277

$278,831 $83,625 $111,499 $0 0 0 -$3,481,636

$289,985 $86,970 $115,959 $0 0 0 -$3,478,178

$301,584 $90,448 $120,598 $0 0 0 -$3,473,868

$313,647 $94,066 $125,422 $0 0 0 -$3,468,669

$326,193 $97,829 $130,438 $0 0 0 -$3,462,541

$339,241 $101,742 $135,656 $0 0 0 -$3,455,444

$352,811 $105,812 $141,082 $0 0 0 -$3,447,335

$366,923 $110,044 $146,726 $0 0 0 -$3,438,169

$381,600 $114,446 $152,595 $0 0 0 -$3,427,902

$396,864 $119,024 $158,698 $0 0 0 -$3,416,485

$412,738 $123,785 $165,046 $0 0 0 -$3,403,869


28/39

Total Sum Additional

Reuired to Money

Spend from Need forNow till Leave Retirement Your

Planet Earth Age

$3,767,911 -$3,736,911 46

$3,703,291 -$3,650,651 47

$3,637,555 -$3,573,192 48

$3,570,648 -$3,494,383 49

$3,502,509 -$3,426,228 50

$3,433,079 -$3,424,674 51

$3,362,293 -$3,423,431 52

$3,290,082 -$3,422,506 53

$3,216,375 -$3,421,906 54$3,141,098 -$3,421,640 55

$3,064,173 -$3,420,722 56

$2,985,516 -$3,420,091 57

$2,933,041 -$3,419,754 58

$2,878,658 -$3,419,578 59

$2,826,270 -$3,419,568 60

$2,771,778 -$3,419,711 61

$2,715,076 -$3,320,015 62

$2,656,054 -$3,320,486 63

$2,594,596 -$3,320,632 64

$2,530,581 -$3,320,960 65

$2,463,879 -$3,321,477 66$2,394,358 -$3,322,193 67

$2,332,175 -$3,323,117 68

$2,266,883 -$3,324,208 69

$2,198,327 -$3,325,476 70

$2,126,342 -$3,326,933 71

$2,050,759 -$3,328,590 72

$1,971,396 -$3,330,459 73

$1,888,066 -$3,332,554 74

$1,800,568 -$3,334,887 75

$1,708,696 -$3,337,475 76

$1,612,230 -$3,340,331 77

$1,510,941 -$3,343,472 78$1,404,588 -$3,346,915 79


29/39

$1,292,917 -$3,350,679 80

$1,175,662 -$3,354,782 81

$1,052,545 -$3,359,244 82

$923,271 -$3,364,087 83

$787,534 -$3,369,333 84

$645,010 -$3,375,005 85

$495,360 -$3,381,129 86

$338,228 -$3,387,731 87

$173,239 -$3,394,838 88

$0 -$3,402,480 89

$0 -$3,410,688 90

$0 -$3,418,585 91

$0 -$3,426,155 92

$0 -$3,433,382 93

$0 -$3,440,249 94

$0 -$3,446,738 95

$0 -$3,452,831 96

$0 -$3,458,510 97$0 -$3,463,753 98

$0 -$3,468,540 99

$0 -$3,472,850 100

$0 -$3,476,660 101

$0 -$3,479,947 102

$0 -$3,482,687 103

$0 -$3,484,854 104

$0 -$3,486,422 105

$0 -$3,487,363 106

$0 -$3,487,650 107

$0 -$3,487,252 108

$0 -$3,486,138 109$0 -$3,484,277 110

$0 -$3,481,636 111

$0 -$3,478,178 112

$0 -$3,473,868 113

$0 -$3,468,669 114

$0 -$3,462,541 115

$0 -$3,455,444 116

$0 -$3,447,335 117

$0 -$3,438,169 118

$0 -$3,427,902 119

$0 -$3,416,485 120

$0 -$3,403,869 121


30/39

RETIREMENT PLAN CALCULInstructions:1) Fill up the Current Cash Allocation into Bank and Investment. (Cell F16,G16 andH16 in Pink

2) Enter theCurrent Investment Account Activities (Cell O16 to R16 in pink box)

3) See the difference in Age to Break Even with Investment

Sheet 3: Incomes Calculation (With

Cash and Income Allocation Current Yearly % of Saved Cash Amount of CashYour Cash in Int. Saved Allocated into Saved into

Years Age Bank Rate Cash Bank Stock Option Bank Stock Option

2010 46 $20,000 0.50% -$176 62% 30% 8% -$109 -$53 -$14

2011 47 $19,991 0.50% -$483 62% 30% 8% -$300 -$145 -$39

2012 48 $19,791 0.50% -$830 62% 30% 8% -$515 -$249 -$66

2013 49 $19,376 0.50% -$1,219 62% 30% 8% -$756 -$366 -$97

2014 50 $18,717 0.50% -$69,430 62% 30% 8% -$43,047 -$20,829 -$5,554

2015 51 -$24,236 0.50% -$70,787 62% 30% 8% -$43,888 -$21,236 -$5,663

2016 52 -$68,245 0.50% -$72,211 62% 30% 8% -$44,771 -$21,663 -$5,777

2017 53 -$113,357 0.50% -$73,706 62% 30% 8% -$45,698 -$22,112 -$5,897

2018 54 -$159,622 0.50% -$75,277 62% 30% 8% -$46,672 -$22,583 -$6,0222019 55 -$207,091 0.50% -$76,926 62% 30% 8% -$47,694 -$23,078 -$6,154

2020 56 -$255,821 0.50% -$78,657 62% 30% 8% -$48,767 -$23,597 -$6,293

2021 57 -$305,867 0.50% -$52,475 62% 30% 8% -$32,534 -$15,742 -$4,198

2022 58 -$339,931 0.50% -$54,384 62% 30% 8% -$33,718 -$16,315 -$4,351

2023 59 -$375,348 0.50% -$52,388 62% 30% 8% -$32,480 -$15,716 -$4,191

2024 60 -$409,705 0.50% -$54,492 62% 30% 8% -$33,785 -$16,348 -$4,359

2025 61 -$445,539 0.50% -$56,702 62% 30% 8% -$35,155 -$17,011 -$4,536

2026 62 -$482,922 0.50% -$59,022 62% 30% 8% -$36,593 -$17,707 -$4,722

2027 63 -$421,930 0.50% -$61,458 62% 30% 8% -$38,104 -$18,437 -$4,917

2028 64 -$462,143 0.50% -$64,016 62% 30% 8% -$39,690 -$19,205 -$5,121

2029 65 -$504,144 0.50% -$66,702 62% 30% 8% -$41,355 -$20,010 -$5,336

2030 66 -$548,020 0.50% -$69,522 62% 30% 8% -$43,103 -$20,856 -$5,562

2031 67 -$593,863 0.50% -$62,183 62% 30% 8% -$38,553 -$18,655 -$4,975

2032 68 -$635,386 0.50% -$65,292 62% 30% 8% -$40,481 -$19,588 -$5,223

2033 69 -$679,043 0.50% -$68,556 62% 30% 8% -$42,505 -$20,567 -$5,485

2034 70 -$724,944 0.50% -$71,984 62% 30% 8% -$44,630 -$21,595 -$5,759

2035 71 -$773,199 0.50% -$75,583 62% 30% 8% -$46,862 -$22,675 -$6,047

2036 72 -$823,926 0.50% -$79,363 62% 30% 8% -$49,205 -$23,809 -$6,349

2037 73 -$877,251 0.50% -$83,331 62% 30% 8% -$51,665 -$24,999 -$6,666

2038 74 -$933,302 0.50% -$87,497 62% 30% 8% -$54,248 -$26,249 -$7,000

2039 75 -$992,217 0.50% -$91,872 62% 30% 8% -$56,961 -$27,562 -$7,350

2040 76 -$1,054,139 0.50% -$96,466 62% 30% 8% -$59,809 -$28,940 -$7,717

2041 77 -$1,119,218 0.50% -$101,289 62% 30% 8% -$62,799 -$30,387 -$8,1032042 78 -$1,187,614 0.50% -$106,353 62% 30% 8% -$65,939 -$31,906 -$8,508

1


31/39

2043 79 -$1,259,491 0.50% -$111,671 62% 30% 8% -$69,236 -$33,501 -$8,934

2044 80 -$1,335,024 0.50% -$117,255 62% 30% 8% -$72,698 -$35,176 -$9,380

2045 81 -$1,414,397 0.50% -$123,117 62% 30% 8% -$76,333 -$36,935 -$9,849

2046 82 -$1,497,802 0.50% -$129,273 62% 30% 8% -$80,149 -$38,782 -$10,342

2047 83 -$1,585,441 0.50% -$135,737 62% 30% 8% -$84,157 -$40,721 -$10,859

2048 84 -$1,677,525 0.50% -$142,524 62% 30% 8% -$88,365 -$42,757 -$11,402

2049 85 -$1,774,277 0.50% -$149,650 62% 30% 8% -$92,783 -$44,895 -$11,972

2050 86 -$1,875,932 0.50% -$157,133 62% 30% 8% -$97,422 -$47,140 -$12,571

2051 87 -$1,982,733 0.50% -$164,989 62% 30% 8% ### -$49,497 -$13,199

2052 88 -$2,094,940 0.50% -$173,239 62% 30% 8% ### -$51,972 -$13,859

2053 89 -$2,212,823 0.50% $0 62% 30% 8% $0 $0 $0

2054 90 -$2,223,887 0.50% $0 62% 30% 8% $0 $0 $0

2055 91 -$2,235,007 0.50% $0 62% 30% 8% $0 $0 $0

2056 92 -$2,246,182 0.50% $0 62% 30% 8% $0 $0 $0

2057 93 -$2,257,413 0.50% $0 62% 30% 8% $0 $0 $0

2058 94 -$2,268,700 0.50% $0 62% 30% 8% $0 $0 $0

2059 95 -$2,280,043 0.50% $0 62% 30% 8% $0 $0 $0

2060 96 -$2,291,443 0.50% $0 62% 30% 8% $0 $0 $02061 97 -$2,302,901 0.50% $0 62% 30% 8% $0 $0 $0

2062 98 -$2,314,415 0.50% $0 62% 30% 8% $0 $0 $0

2063 99 -$2,325,987 0.50% $0 62% 30% 8% $0 $0 $0

2064 100 -$2,337,617 0.50% $0 62% 30% 8% $0 $0 $0

2065 101 -$2,349,305 0.50% $0 62% 30% 8% $0 $0 $0

2066 102 -$2,361,052 0.50% $0 62% 30% 8% $0 $0 $0

2067 103 -$2,372,857 0.50% $0 62% 30% 8% $0 $0 $0

2068 104 -$2,384,721 0.50% $0 62% 30% 8% $0 $0 $0

2069 105 -$2,396,645 0.50% $0 62% 30% 8% $0 $0 $0

2070 106 -$2,408,628 0.50% $0 62% 30% 8% $0 $0 $0

2071 107 -$2,420,671 0.50% $0 62% 30% 8% $0 $0 $0

2072 108 -$2,432,775 0.50% $0 62% 30% 8% $0 $0 $02073 109 -$2,444,938 0.50% $0 62% 30% 8% $0 $0 $0

2074 110 -$2,457,163 0.50% $0 62% 30% 8% $0 $0 $0

2075 111 -$2,469,449 0.50% $0 62% 30% 8% $0 $0 $0

2076 112 -$2,481,796 0.50% $0 62% 30% 8% $0 $0 $0

2077 113 -$2,494,205 0.50% $0 62% 30% 8% $0 $0 $0

2078 114 -$2,506,676 0.50% $0 62% 30% 8% $0 $0 $0

2079 115 -$2,519,210 0.50% $0 62% 30% 8% $0 $0 $0

2080 116 -$2,531,806 0.50% $0 62% 30% 8% $0 $0 $0

2081 117 -$2,544,465 0.50% $0 62% 30% 8% $0 $0 $0

2082 118 -$2,557,187 0.50% $0 62% 30% 8% $0 $0 $0

2083 119 -$2,569,973 0.50% $0 62% 30% 8% $0 $0 $0

2084 120 -$2,582,823 0.50% $0 62% 30% 8% $0 $0 $0

2085 121 -$2,595,737 0.50% $0 62% 30% 8% $0 $0 $0


32/39

TION SHEET (Ver. 1.3)Boxes)

Proper Investment Plan)

CPF

Insurance

Investment ActivitiesPayback LiquidableOrdinary Special Insurance Ave. Ave.Account Account Maturity Value in Gain in Value in Gain in At the Age of..

1 and 2 1 and 2 (Lump Sum) Stock Stock Option Option

$10,000 $1,000 $0 $1,000 8% $500 10% $32,500

$27,972 $5,873 $0 $1,027 8% $536 10% $55,399

$46,616 $11,002 $0 $964 8% $551 10% $78,925

$65,953 $16,398 $0 $793 8% $540 10% $103,059

$86,004 $22,073 $0 $490 8% $496 10% $127,781

$88,155 $22,956 $0 -$20,299 8% -$5,009 10% $61,566

$90,358 $23,874 $0 -$43,159 8% -$11,173 10% -$8,344

$92,617 $24,829 $0 -$68,275 8% -$18,067 10% -$82,252

$94,933 $25,822 $0 -$95,849 8% -$25,770 10% -$160,486$97,306 $26,855 $0 -$126,100 8% -$34,369 10% -$243,399

$101,198 $27,929 $0 -$159,266 8% -$43,960 10% -$329,919

$105,246 $29,047 $0 -$195,604 8% -$54,649 10% -$421,827

$109,456 $30,208 $0 -$226,995 8% -$64,311 10% -$491,573

$113,834 $31,417 $0 -$261,470 8% -$75,093 10% -$566,660

$118,388 $32,673 $0 -$298,104 8% -$86,794 10% -$643,541

$123,123 $33,980 $0 -$338,300 8% -$99,832 10% -$726,567

$128,048 $35,340 $100,000 -$382,374 8% -$114,352 10% -$816,260

$133,170 $36,753 $0 -$430,670 8% -$130,509 10% -$813,186

$138,497 $38,223 $0 -$483,561 8% -$148,476 10% -$917,461

$144,037 $39,752 $0 -$541,451 8% -$168,445 10% -$1,030,251

$149,798 $41,342 $0 -$604,778 8% -$190,626 10% -$1,152,282

$155,790 $42,996 $0 -$674,016 8% -$215,250 0% -$1,284,343

$162,022 $44,716 $0 -$746,592 8% -$220,224 0% -$1,395,465

$168,503 $46,505 $0 -$825,907 8% -$225,448 0% -$1,515,391

$175,243 $48,365 $0 -$912,547 8% -$230,932 0% -$1,644,815

$182,253 $50,299 $0 -$1,007,146 8% -$236,691 0% -$1,784,484

$189,543 $52,311 $0 -$1,110,393 8% -$242,738 0% -$1,935,203

$197,124 $54,404 $0 -$1,223,033 8% -$249,087 0% -$2,097,842

$205,009 $56,580 $0 -$1,345,875 8% -$255,753 0% -$2,273,341

$213,210 $58,843 $0 -$1,479,794 8% -$262,753 0% -$2,462,711

$221,738 $61,197 $0 -$1,625,739 8% -$270,103 0% -$2,667,046

$230,608 $63,645 $0 -$1,784,738 8% -$277,820 0% -$2,887,524$239,832 $66,190 $0 -$1,957,904 8% -$285,923 0% -$3,125,418

2


33/39

$249,425 $68,838 $0 -$2,146,442 8% -$294,431 0% -$3,382,101

$259,402 $71,592 $0 -$2,351,659 8% -$303,365 0% -$3,659,054

$269,778 $74,455 $0 -$2,574,968 8% -$312,745 0% -$3,957,877

$280,569 $77,433 $0 -$2,817,901 8% -$322,595 0% -$4,280,295

$291,792 $80,531 $0 -$3,082,115 8% -$332,937 0% -$4,628,169

$303,464 $83,752 $0 -$3,369,405 8% -$343,796 0% -$5,003,509

$315,603 $87,102 $0 -$3,681,714 8% -$355,198 0% -$5,408,485

$328,227 $90,586 $0 -$4,021,147 8% -$367,170 0% -$5,845,435

$341,356 $94,210 $0 -$4,389,978 8% -$379,740 0% -$6,316,886

$355,010 $97,978 $0 -$4,790,673 8% -$392,939 0% -$6,825,565

$369,210 $101,897 $0 -$5,225,898 8% -$406,798 0% -$7,374,412

$383,979 $105,973 $0 -$5,643,970 8% -$406,798 0% -$7,784,704

$399,338 $110,212 $0 -$6,095,488 8% -$406,798 0% -$8,227,743

$415,311 $114,620 $0 -$6,583,127 8% -$406,798 0% -$8,706,175

$431,924 $119,205 $0 -$7,109,777 8% -$406,798 0% -$9,222,859

$449,201 $123,973 $0 -$7,678,559 8% -$406,798 0% -$9,780,883

$467,169 $128,932 $0 -$8,292,844 8% -$406,798 0% -$10,383,584

$485,856 $134,090 $0 -$8,956,272 8% -$406,798 0% -$11,034,568$505,290 $139,453 $0 -$9,672,773 8% -$406,798 0% -$11,737,729

$525,501 $145,031 $0 -$10,446,595 8% -$406,798 0% -$12,497,276

$546,521 $150,833 $0 -$11,282,323 8% -$406,798 0% -$13,317,754

$568,382 $156,866 $0 -$12,184,909 8% -$406,798 0% -$14,204,076

$591,118 $163,141 $0 -$13,159,701 8% -$406,798 0% -$15,161,547

$614,762 $169,666 $0 -$14,212,477 8% -$406,798 0% -$16,195,899

$639,353 $176,453 $0 -$15,349,476 8% -$406,798 0% -$17,313,325

$664,927 $183,511 $0 -$16,577,434 8% -$406,798 0% -$18,520,515

$691,524 $190,851 $0 -$17,903,628 8% -$406,798 0% -$19,824,696

$719,185 $198,485 $0 -$19,335,919 8% -$406,798 0% -$21,233,675

$747,952 $206,425 $0 -$20,882,792 8% -$406,798 0% -$22,755,884

$777,870 $214,682 $0 -$22,553,415 8% -$406,798 0% -$24,400,436$808,985 $223,269 $0 -$24,357,689 8% -$406,798 0% -$26,177,171

$841,345 $232,200 $0 -$26,306,304 8% -$406,798 0% -$28,096,721

$874,998 $241,488 $0 -$28,410,808 8% -$406,798 0% -$30,170,569

$909,998 $251,147 $0 -$30,683,673 8% -$406,798 0% -$32,411,121

$946,398 $261,193 $0 -$33,138,367 8% -$406,798 0% -$34,831,778

$984,254 $271,641 $0 -$35,789,436 8% -$406,798 0% -$37,447,015

$1,023,624 $282,507 $0 -$38,652,591 8% -$406,798 0% -$40,272,468

$1,064,569 $293,807 $0 -$41,744,798 8% -$406,798 0% -$43,325,026

$1,107,152 $305,559 $0 -$45,084,382 8% -$406,798 0% -$46,622,933

$1,151,438 $317,782 $0 -$48,691,132 8% -$406,798 0% -$50,185,898

$1,197,496 $330,493 $0 -$52,586,423 8% -$406,798 0% -$54,035,206

$1,245,396 $343,713 $0 -$56,793,337 8% -$406,798 0% -$58,193,850

$1,295,211 $357,461 $0 -$61,336,804 8% -$406,798 0% -$62,686,666


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Additional

Total Sum MoneyReuired to Need for

Now till Leave Retirement Your

Planet Earth Age

$3,767,911 -$3,735,411 46

$3,703,291 -$3,647,892 47

$3,637,555 -$3,558,631 48

$3,570,648 -$3,467,589 49

$3,502,509 -$3,374,728 50

$3,433,079 -$3,371,513 51

$3,362,293 -$3,370,637 52

$3,290,082 -$3,372,334 53

$3,216,375 -$3,376,861 54$3,141,098 -$3,384,498 55

$3,064,173 -$3,394,092 56

$2,985,516 -$3,407,343 57

$2,933,041 -$3,424,614 58

$2,878,658 -$3,445,318 59

$2,826,270 -$3,469,811 60

$2,771,778 -$3,498,345 61

$2,715,076 -$3,531,336 62

$2,656,054 -$3,469,240 63

$2,594,596 -$3,512,057 64

$2,530,581 -$3,560,832 65

$2,463,879 -$3,616,161 66

$2,394,358 -$3,678,701 67

$2,332,175 -$3,727,640 68

$2,266,883 -$3,782,275 69

$2,198,327 -$3,843,142 70

$2,126,342 -$3,910,826 71

$2,050,759 -$3,985,962 72

$1,971,396 -$4,069,239 73

$1,888,066 -$4,161,406 74

$1,800,568 -$4,263,279 75

$1,708,696 -$4,375,742 76

$1,612,230 -$4,499,754 77$1,510,941 -$4,636,359 78


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$1,404,588 -$4,786,689 79

$1,292,917 -$4,951,971 80

$1,175,662 -$5,133,539 81

$1,052,545 -$5,332,839 82

$923,271 -$5,551,440 83

$787,534 -$5,791,044 84

$645,010 -$6,053,495 85

$495,360 -$6,340,795 86

$338,228 -$6,655,114 87

$173,239 -$6,998,803 88

$0 -$7,374,412 89

$0 -$7,784,704 90

$0 -$8,227,743 91

$0 -$8,706,175 92

$0 -$9,222,859 93

$0 -$9,780,883 94

$0 -$10,383,584 95

$0 -$11,034,568 96$0 -$11,737,729 97

$0 -$12,497,276 98

$0 -$13,317,754 99

$0 -$14,204,076 100

$0 -$15,161,547 101

$0 -$16,195,899 102

$0 -$17,313,325 103

$0 -$18,520,515 104

$0 -$19,824,696 105

$0 -$21,233,675 106

$0 -$22,755,884 107

$0 -$24,400,436 108$0 -$26,177,171 109

$0 -$28,096,721 110

$0 -$30,170,569 111

$0 -$32,411,121 112

$0 -$34,831,778 113

$0 -$37,447,015 114

$0 -$40,272,468 115

$0 -$43,325,026 116

$0 -$46,622,933 117

$0 -$50,185,898 118

$0 -$54,035,206 119

$0 -$58,193,850 120

$0 -$62,686,666 121


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Reference Sites:

The CPF contribution rates are as follows:

Note that the following two table are CPF contribution rate for Income 1 and IncomIf you are not sure how much is the rate, click on the above link to find out. (Privat

Government sector are different, thus there are two tables for different stream of in

Income Stream 1: CPF Scheme and working fo

35 and Below 16.00% 20.00% 36.00% 26.00%

36 to 45 16.00% 20.00% 36.00% 23.00%

46 to 55 16.00% 20.00% 36.00% 22.00%

56 to 60 6.00% 12.50% 18.50% 10.50%

61 to 65 3.50% 7.50% 11.00% 2.50%

66 and Above 3.50% 5.00% 8.50% 0.00%

Stream 2 CPF Cap $72,000.00

Income Stream 2: CPF Scheme and working fo

35 and Below 16.00% 20.00% 36.00% 26.00%

36 to 45 16.00% 20.00% 36.00% 23.00%

46 to 55 16.00% 20.00% 36.00% 22.00%

56 to 60 6.00% 12.50% 18.50% 10.50%61 to 65 3.50% 7.50% 11.00% 2.50%

66 and Above 3.50% 5.00% 8.50% 0.00%

Stream 2 CPF Cap $72,000.00

CPF Home Page (click when contected to internet)

CPF Member Contribution Rate

Age groupEmployer's

Contribution(% of Salary)

Employee'sContribution(% of Salary)

TotalContribution(% of Salary)

OrdinaryAccount

Age groupEmployer's

Contribution(% of Salary)


TotalContribution(% of Salary)

OrdinaryAccount
http://www.cpf.gov.sg/cpf_info/home.asphttp://www.cpf.gov.sg/cpf_info/goto.asp?page=/cpf_info/Index_Members.asphttp://www.cpf.gov.sg/cpf_info/goto.asp?page=/cpf_info/Index_Members.asphttp://www.cpf.gov.sg/cpf_info/home.asp


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2 respectively.sector and

omes.)

mula

4.00% 6.00%

6.00% 7.00%

6.00% 8.00%

0.00% 8.00%

0.00% 8.50%

0.00% 8.50%

mula

4.00% 6.00%

6.00% 7.00%

6.00% 8.00%

0.00% 8.00%0.00% 8.50%

0.00% 8.50%

SpecialAccount

MedisaveAccount

SpecialAccount

MedisaveAccount


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This are just the cell name co-responding to the left handside table, for progra

CPF_S1_Emyee_Con_below36 CPF_S1_Ord_Acc_Con_below36

CPF_S1_Emyee_Con_36_to_45 CPF_S1_Ord_Acc_Con_36_to_45




CPF_S1_Emyee_Con_above65 CPF_S1_Ord_Acc_Con_above65

CPF_S2_Emyee_Con_below36 CPF_S2_Ord_Acc_Con_below36



CPF_S2_Emyee_Con_56_to_60 CPF_S2_Ord_Acc_Con_56_to_60CPF_S2_Emyee_Con_61_to_65 CPF_S2_Ord_Acc_Con_61_to_65

CPF_S2_Emyee_Con_above65 CPF_S2_Ord_Acc_Con_above65


OrdinaryAccount


OrdinaryAccount


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m debugging purpose..

CPF_S1_Sp_Acc_Con_below36 CPF_S1_Med_Acc_Con_below36

CPF_S1_Sp_Acc_Con_36_to_45 CPF_S1_Med_Acc_Con_36_to_45




CPF_S1_Sp_Acc_Con_above65 CPF_S1_Med_Acc_Con_above65

CPF_S2_Sp_Acc_Con_below36 CPF_S2_Med_Acc_Con_below36



CPF_S2_Sp_Acc_Con_56_to_60 CPF_S2_Med_Acc_Con_56_to_60CPF_S2_Sp_Acc_Con_61_to_65 CPF_S2_Med_Acc_Con_61_to_65

CPF_S2_Sp_Acc_Con_above65 CPF_S2_Med_Acc_Con_above65

SpecialAccount

MedisaveAccount

SpecialAccount

MedisaveAccount

Documents

Personal Finanical Tool:Retirement Fund Calculation