You’re using the demo version with limited features and functionality.
Upgrade to unlock all features, full functionality and full experience.
Scenario Simulator
Your Path to Wealth - Visualize, Compare and Prioritize multiple financial decisions to optimize your future
Run Summary and Comparison in full features plan
Scenario Stack:
0 Active Scenario:
Choose Scenario Module
Note: The Scenario Simulator models “what-if” projections for illustration only. Outputs are estimates based on assumptions and your inputs and are not predictions or guarantees of future performance. They do not constitute personalised financial, investment, tax or legal advice. Please consult a licensed adviser before acting on any scenario or result.
Error Msg
📈 Investment
📊 Investment Calculator
Deploy either a one-off investment and/or periodic contributions from liquid assets or CPF/SRS balances - project growth over time under chosen return assumptions.
🎯 Major Life Milestone
🏖️ Early Retirement
Test retiring ahead of schedule-adjust retirement age, spending needs, and portfolio withdrawal rates, then measure funding gaps, and longevity of assets.
💧 Liquidity
🛟 Emergency Funds
Set aside liquid reserves to cover unexpected shocks.
💧 Liquidity
🛍️ Large Purchase Funding
Plan for large one-time expenses and their funding sources.
💸 Debt & Liability
💳 Debt Payoff Plan
Determine cashflow impact and priority of repaying non-mortgage debts.
💸 Debt & Liability
🏦 Mortgage Restructuring
Evaluate the savings and costs of restructuring an existing home loan—compare new interest rates, term adjustments, closing fees, and changes in monthly payment and total interest paid.
🏘️ Real Estate
🏠 Property Purchase or Sales
Model the financial impact of buying or selling real estate—capture cash outflow (down-payment, closing costs), mortgage debt, or net proceeds and reinvestment options.
🏘️ Real Estate
🏠 Property Rental
Simulate the cost of renting versus owning, including monthly rent payments, security deposits, rent escalation, and opportunity cost of foregone home-equity growth.
📊
INVESTMENT
Investment Amount *
10 years
Tax Bracket (%)*
Expected Gross Return % p.a *
Projected Fees % p.a
Recurring Investment (Optional)
Recurring Contribution
5 years
Projection Summary
Assumed net return: 0.0% p.a.
Projected $ on H years (excl.tax savings)
$●●●●●●
Contributions (Yc years)
$●●●●
Total Projected Fees
$●●●●
Total Estimated Tax Saved
$●●●●●
Potential Return on Tax Saved
$●●●●
After-Tax Effective Return % p.a.
●●%
Projected $ (if stays in CPF A/c)
$●●●●●●
Gain vs CPF
$●●●●●●
NOTES & ASSUMPTIONS
🏖️
EARLY RETIREMENT
3%
(Optional, for CPF Life Payout projection only)
Today's CPF Balances
OA Balance
OA Yearly Contribution
OA Yearly Deduction
Proj. OA Bal. @ 55 (Pre-RA)
—
SA Balance
SA Yearly Contribution
Projected SA Bal. @ 55yo (Pre-Retirement Acct)
—
CPF Balances @ 55 years old
SA Balance (Post-RA)
$●●●●●●
Projected Retirement Acct
$●●●●●●
$●●●●●●
$●●●●●●
OA Balance (Post-RA)
$●●●●●●
Fast Forward to Retirement Age and During Retirement (Value at Retirement)
Total Savings (Incl. Withdrawable CPF)
$●●●●●●
Non-withdrawable CPF
$●●●●●●
Total CPF Life Payout (Indicative)
$●●●●●●
Monthly CPFLife Payout (Indicative)
Total Post-Retirement Income
$●●●●●●
Total Post-Retirement Expenses
$●●●●●●
Shortfall
$●●●●●●
Runway (Years)
●● years
Age Funds Last Until
●● years old
NOTES & ASSUMPTIONS
🛟
EMERGENCY FUNDS
Average Monthly Expenses *
6 months
Monthly Contribution *
Current Emergency Fund
Target Emergency Fund
$●●●●●●
Shortfall
$●●●●●●
Time-to-Target
●● months
NOTES & ASSUMPTIONS
Collapsible text is great for longer section titles and descriptions. It gives people access to all the info they need, while keeping your layout clean. Link your text to anything, or set your text box to expand on click. Write your text here...
🛍️
LARGE PURCHASE FUNDING
Loan Financing:
%
$
Flat/"Simple" Interest
Repayment per month
$●●●●
Total Interests
$●●●●
Cash Payment:
Total Cash Required
$
$
%
Balance Cash Required
$●●●●●●
NOTES & ASSUMPTIONS
Collapsible text is great for longer section titles and descriptions. It gives people access to all the info they need, while keeping your layout clean. Link your text to anything, or set your text box to expand on click. Write your text here...
💳
DEBT PAYOFF PLAN
Interest Rate p.a. *
Remaining Terms (Months) *
Intended Repayment Amount *
Fees & Charges
Flat/"Simple" Interest
After Repayment:
New Loan Balance
$●●●●●●
New Repayment per month
$●●●●
Net Interests Saved
$●●●●
NOTES & ASSUMPTIONS
Collapsible text is great for longer section titles and descriptions. It gives people access to all the info they need, while keeping your layout clean. Link your text to anything, or set your text box to expand on click. Write your text here...
🏦
MORTGAGE RESTRUCTURING
Type *:
Outstanding
Loan Balance *
Current Interest
Rate p.a. *
Tenure Left
(Years) *
2 months
Lock-in Period
Lock-In Penalty % / Amount *
Clawback Amount
💸 REPAYMENT
Prepayment Amount *
Based on your EXISTING LOAN details above,
Monthly Instalment - editable
Interest Remaining
$●●●●
Based on your inputs for REPAYMENT of your existing loan,
New Monthly Instalment
$●●●●
Net Interest Savings
$●●●●
Interest-in-Lieu
$●●●●
Net Savings
$●●●●
Total One-Off Cost
$●●●●
NOTES & ASSUMPTIONS
🏠
PROPERTY PURCHASE OR SALES
Type *:
Purchase Price (GST inclusive) *
Funding Source
Cash / CPF
Loan
$0
(LTV: 0.0%)
Interest Rate p.a. *
Loan Tenure (Yrs) *
Monthly Mortgage
$●●●●
Brokerage %
Fees & Charges
Projected Buyer's Stamp Duties
$●●●●
Total Cost
$0
NOTES & ASSUMPTIONS
🔑
PROPERTY RENTAL
Role *:
Monthly Rent (GST incl.) *
0%
Lease (Yrs) *
Net Rental Expense
Security Deposit
Brokerage Fees
Fees & Charges
1st Year Cost
$0
Total Cash outflow
$0
Monthly Utilities
Furnishing & Moving
Projected Tenancy Stamp Duty
$0
Net Rental Income
To assess the purchase the rental property, use 'Scenario - Property Purchase'.
Purchase Cost *
Monthly Mortgage
Vacancy %
Brokerage Fees
Monthly Mgmt Fee
Annual Repair/Maint.
Financing
Debt Service Cover
—
Net Cash Yield (Leveraged)
$0
Yield: 0%
Renovation
Fees & Charges
Projected Annual Value
$0
Auto-Calc
Projected Annual Property Tax
$0
Cash Flow and Profitability
Net Inflow over Lease
$0
Op. Expense %
0%
Breakeven Net Rent
$0
Net Rental Yield (Unleveraged)
$0
Yield: 0%
NOTES & ASSUMPTIONS
Collapsible text is great for longer section titles and descriptions. It gives people access to all the info they need, while keeping your layout clean. Link your text to anything, or set your text box to expand on click. Write your text here...
Unlock Full Features
Unlock the full Modelling Suite from pro-grade calculators to powerful scenario simulator and turn your goals into action.