Start with monthly saving and work towards a retirement cash-flow plan
Put MPF, personal investments, inflation and retirement spending on one timeline. FIRE is more than multiplying annual expenses by 25; returns, inflation, retirement length and adverse markets all matter.
What you should know at the end
By the end, you should have an adjustable retirement target, a monthly saving requirement, and a clearer role for MPF and other assets.
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- 1Confirm monthly MPF accumulation
- 2View future balances in real purchasing power
- 3Build a FIRE target range
- 4Separate retirement income sources
Work through the decision
- 1
Confirm monthly MPF accumulation
Under current contribution limits, how much enters retirement assets each month?
Separate employer, employee and voluntary contributions before assessing additional saving needs. MPF is only one part of retirement assets.
Calculate MPF contributions - 2
View future balances in real purchasing power
After fees and inflation, how much spending could the projected balance support?
Long-term projections are highly sensitive to return assumptions. Test lower returns, higher inflation and delayed retirement rather than relying on one optimistic number.
Project an MPF balance - 3
Build a FIRE target range
Given your spending and saving rate, when might you reach the target under base and conservative cases?
Use retirement spending, withdrawal rate, current assets and monthly investing. Consider healthcare, housing and family responsibilities separately rather than extending today's low spending decades ahead.
Build FIRE scenarios - 4
Separate retirement income sources
Which expenses should MPF, annuities, savings and investments each cover?
Fund essential spending from steadier sources before flexible spending and growth. Assets differ in liquidity, risk and withdrawal restrictions.
Compare retirement pillars
Before making the decision
- How many years would a two-point lower return delay retirement?
- Are housing, healthcare and family support budgeted separately?
- Is there enough liquidity to avoid forced selling during a market fall?
What the calculators cannot decide
- Returns, inflation and longevity cannot be predicted precisely; recalculate regularly.
- MPF withdrawals must meet the statutory conditions at the time; a projected balance is not immediately available cash.
Explore another decision route
Planning estimates only. Review the inputs, assumptions and official sources on each calculator before acting.