S$450K, S$850K or S$1M? How Much Do You Need to Retire?

How much do you really need to retire at 65 in Singapore — S$450,000, S$850,000, or more than S$1 million? In this video, we look at retirement spending, CPF LIFE, inflation, housing, healthcare and longevity to understand why there isn’t one retirement number that works for everyone. Using an illustrative example of someone retiring at 65 with a fully paid home and a lifestyle equivalent to S$3,000 a month today, we estimate how much total retirement resources may be needed and why needing around S$850,000 does not mean having S$850,000 sitting in cash. We also compare different retirement lifestyles, explain how CPF LIFE forms your retirement income floor, and show a simple way to work out your own retirement number. 💬 How much do you think you would need to retire comfortably at 65? Let me know in the comments. 🔔 Subscribe to Steady Pom Pi Pi for more practical Singapore money insights. Make Steady Money Decisions. Figures shown are illustrative examples. Actual CPF LIFE payouts and retirement needs depend on individual circumstances, CPF balances, lifestyle, investment returns, inflation and other factors. This video is for general educational purposes and is not personalised financial advice.