Clients
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How to use this tool
It opens on the Stage — the client-facing screen. The six tabs below are the workings behind it: tap ⚙ prep (top right) to reach them, and ▶ Stage to come back. Tab 1 is the only one you type into. The example below is Idris (48) & Mariam (46) — the made-up sample loaded by "Load example".
1
Inputs — fill in three things
Who (ages, pay), Money now (current home, loan, CPF), then Their goals (target income, when they stop work). That's it — the rest updates on its own.
Idris & Mariam want $16,000/mo (today's money) from 65. That grows to about $24,346/mo by then, once inflation is priced in — the goal bar always scores against that bigger number, not the $16,000.
2
Today — where they actually stand
One honest number: cash + CPF + home equity, all added up. No plan yet — just the starting point. Shows the client you're not skipping their real numbers.
Idris & Mariam: $50,000 cash, $465,000 CPF, $1,150,000 still in the home.
3
Seasons — the cliff, in one picture
Two things stop the same day they stop work — pay, and the CPF quietly paying the loan. But CPF LIFE only starts at 65. That gap is "the cliff" — the red band on this tab. Say this line out loud to the client.
4
Four Paths — the options, ranked
Every option scored and ranked — keep the flat, buy a condo, buy HDB, or buy two. Tap any card to make it "the plan" — the rest of the tool follows that pick. The ⓘ on each number explains where it came from.
Best fit for Idris & Mariam right now: Keep the flat, about $22,353/mo at 65 — $1,993 short of target. Tap "See a few ways" for other routes to close that gap.
5
Endgame — the retirement income, split honestly
How much is guaranteed for life (CPF LIFE) versus depends on the market (their invested nest egg). This is the "can I trust this number" tab.
6
The Journey — the whole plan, as one story
Read it top to bottom with the client, like a story. Today, the home they buy, the move at retirement, the income for life. Two chip rows at the top flip it live. "See it for" switches which path tells the story. "What if" shows a bad crash at retirement — rent it out, wait, then sell. The client sees the plan still holds up.
Done? Export case study turns the plan into a branded, anonymised deck. Clients saves this exact plan so you can pull it up again on any device.
The plan iStart here. This is the only tab you type into — fill it in as you chat with the client. Tabs 2–6 are the story you turn around and walk them through; you never type in those. Order to fill: Who → Money now → Their goals. The amber-dot fields are best-guesses — confirm later.
Fill in what you know — every number recalculates live, and saves on this device. Fields marked with an amber dot are best-guesses; ask the client to confirm. Tap a section to open it.
Single applicant, or a couple / two co-buyers.
"Already sold" = the sale is done. Just enter the cash they got and the CPF now in their account — no home equity, no sale to model.
Target income / month (household)$5,000
Cash lasts to age90
Risk / leverage appetite
OK being a landlord (renting a place out)?
iOff = they never want to manage tenants — at any age. When it's off, the tool steers away from anything that needs a tenant: the Buy-2-Condos path (own-stay + rental) and keeping a rental at retirement. Turn it on only if they're genuinely open to being a landlord.
Want to leave a property behind?
CPF set-aside at 55
iHow much CPF they lock away at 55 for the monthly income later — bigger sum, bigger income.
The three tiers are simple multiples of the Basic sum (BRS):
• BRS (basic) = 1×
• FRS (full) = 2× BRS
• ERS (enhanced) = 4× BRS = 2× FRS
Yes, ERS really is double the full sum. It used to be 1.5×. The government raised it to 4× BRS from 1 Jan 2025 (Budget 2024). Now you can lock in a much bigger income for life.
The figures rise every year. Each person's is fixed the year THEY turn 55, and CPF raises it about 3.5% a year — so a younger client needs more. Full Retirement Sum by the year you turn 55:
2025 = $213k · 2026 = $220k · 2027 = $228k
≈ $253k by 2030 · ≈ $300k by 2035
The tool works out each person's own figures from their age — shown below.
The three tiers are simple multiples of the Basic sum (BRS):
• BRS (basic) = 1×
• FRS (full) = 2× BRS
• ERS (enhanced) = 4× BRS = 2× FRS
Yes, ERS really is double the full sum. It used to be 1.5×. The government raised it to 4× BRS from 1 Jan 2025 (Budget 2024). Now you can lock in a much bigger income for life.
The figures rise every year. Each person's is fixed the year THEY turn 55, and CPF raises it about 3.5% a year — so a younger client needs more. Full Retirement Sum by the year you turn 55:
2025 = $213k · 2026 = $220k · 2027 = $228k
≈ $253k by 2030 · ≈ $300k by 2035
The tool works out each person's own figures from their age — shown below.
At retirement, they will…
iHow they turn the property into retirement income. Sell & right-size: sell, clear the loan, buy a smaller paid-up home, live off the leftover. Keep a rental: hold one place for monthly rent (needs a tenant). Rent it out: the hedge — don't force-sell into a bad market; keep the place, rent it out, and rent a cheaper HDB to live in. Stay put: don't sell — live on CPF + savings only. This re-ranks the four paths.
The nest egg — spend it, or make it work?
iWhat they do with the nest egg left over from retirement. Spend it down: draw it evenly to zero by the end. Keep it working: invest it (dividend stocks, REITs, T-bills) at the rate below and live off the returns — the capital stays. Half & half: a bit of both. The return is NOT guaranteed, unlike CPF.
%
Dividend stocks / REITs / T-bills — a realistic 3–5%. Not guaranteed, unlike CPF's 4%.
Where they stand today iSay to the client: "Here's everything you're standing on today — your net worth, and what the bank would lend you." This just sets the starting line before we look at the options. Nothing to decide here yet.
The starting position — what they hold, and what it lets them buy.
Their money, by pot
$0
Total net worth today
$0
Max loan they qualify for
iThe biggest home loan the bank will give, based on both incomes and how long the loan can run. This is an ESTIMATE until you enter their actual bank approval (IPA) on the Inputs tab.
$0
Show-hand budget
iThe most they could buy putting in everything — cash, CPF and the maximum loan.
The four seasons of money iSay to the client: "When you stop work, two things stop at once — your pay, and the CPF that quietly pays your loan. But your CPF LIFE income doesn't start until 65. That gap in between is the cliff — and every plan has to survive it." The red band is that gap.
Spring to Winter. The plan has to survive the gap between stopping work and the CPF income arriving.
The four paths, ranked iThis is the answer. The four things they could do with the current home — keep it, downgrade to HDB, sell & buy one condo, or sell & buy two — ranked to fit what they told you. The ringed one is the best fit for their goals. Change any dial on the Inputs tab and this re-ranks live in front of them — that's the moment they see their own decision move.
Projected income each month once CPF LIFE kicks in (65+), against their target. Best-fit path is ringed.
Whatever they buy, the home can never touch the money set aside for retirement — that's locked safe. Each card shows whether their monthly CPF income lands safely.
Compare
vs
Monthly retirement income (65+) by path
Endgame projected estimate iSay to the client: "Here's how it ends for the best option — you sell, clear the loan, right-size to a paid-up home, and here's your income for life." The big number is the monthly income from 65. The ‘bridge’ number is what carries them through the 60–65 gap.
The endgame for the recommended path — sell, right-size to a paid-up home, and live off the rest.
The move at retirement
Income by age iHover or drag along the chart to see exactly what's paying the bills at any age. Employment income stops at retirement. Each person's CPF LIFE only starts the year THEY turn 65 — not a shared date. Everything else (the nest egg, any rental) is joint household money.
Drag along the timeline — see exactly what's coming in at any age.
Where the income comes from (65+)
$0
a month, for life (65+)
$0
The bridge: age 60–65
iIncome during the gap years — salary has stopped but CPF LIFE hasn't started yet. This comes from cash drawdown (and rent if a place is kept).
$5,000
Their target / month
$0
Capital left at 90
The journey iRead it top to bottom. This is the whole plan told as one plain-English story — where they stand, the worry, the four moves, the best fit, and how it ends. Use it to sanity-check that the plan actually makes sense before you take it to the client.
The whole plan, start to finish — in plain English.
PBD Planner · v2.1 · 6 Jul 2026, evening — per-person ERS