MPF is one retirement asset, not the retirement plan. Start with retirement spending, the age at which employment income ends, how long the money may need to last and when each income source becomes available.
Model the whole timeline
Estimate monthly spending in today's money, then test higher inflation, lower returns, an earlier retirement and a contribution gap. Mandatory MPF contributions have statutory income thresholds and caps, so current salary multiplied by years is not a reliable projection.
Use the MPF Calculator for the current contribution and MPF Retirement Projection for a long-term scenario. Check eligibility and withdrawal arrangements with the MPFA. TVC can be useful for eligible taxpayers but is a tax deduction, not a guaranteed investment return; compare it with the QDAP/TVC Calculator.