Will your CPF be enough to retire on?
Most Singaporeans guess. The Singapore Retirement Blueprint shows you the real number, how long your money actually lasts, and exactly what to do between 55 and 65. Now planning as a couple, with a Die with Zero spending target. Plain English, no jargon, no hype.
What you get for S$37
Six files, built for Singapore: The Singapore Retirement Blueprint PDF workbook, the Drawdown Planner (latest v3, plus the earlier v1 and v2), the Singapore Retirement Number Calculator, and its Quick-Start Guide. Here is what is inside.
The Drawdown Planner
A spreadsheet that works in Google Sheets and Excel. Type your numbers into the yellow cells and it answers the questions a CPF calculator cannot.
- How long your money lasts: $300k, $500k or $1 million at your spending, year by year to age 100, with CPF LIFE layered in.
- The bridge years: exactly what you draw from savings between stopping work and CPF LIFE starting.
- SRS and its tax: your SRS kept separate, the tax on each withdrawal worked out year by year, plus a 10-year SRS withdrawal planner.
- Uneven spending: spend more in your first active years, or change any single year, and see the effect.
- Couple mode: two CPF LIFE payouts with different ages and start dates, combined into one household picture, plus a survivor test.
- Die with Zero: the highest monthly spending that runs your savings down to zero, or to the amount you want to leave, at the age you choose.
The 55-to-65 Bridge Plan
CPF LIFE starts at 65. The decade before it breaks most retirement plans. This maps it, step by step.
The Decision Trees
CPF top-up vs SRS vs invest, in the right order for your tax bracket and age, plus the December checklist.
The Implementation Walkthrough
A simple 3-fund structure, the 30% dividend-tax trap most Singaporeans fall into, and a one-afternoon setup checklist.
The Late-Starter Chapter
50+ with less saved than you'd like? The five levers that still work, ranked by dollar impact. It is not too late.
Your 90-Day Plan
Fill-in worksheets that turn reading into doing: audit, decide, execute, automate.
Who this is for
You have savings and CPF, and one question: am I going to be okay? This gives you the honest answer, with receipts.
The internet loves to shame you. The math does not. A full chapter shows the catch-up plan with realistic assumptions.
Two CPF LIFE payouts, two ages, one household. See the combined picture, test what happens if one payout stops, and, if you have no legacy goal, find your Die with Zero spending.
Read it. Use it. Or get your money back.
Use the Blueprint for 30 days. If it does not make your retirement plan clearer, reply to any Money with Wei email for a full refund. You keep the files.
Retirement math, done in public
I'm Wei. On YouTube, TikTok, Instagram, Facebook and WhatsApp I answer one question for everyday Singaporeans: "Am I going to be okay?" No jargon, no fear, no hype. Just the math, in plain English. The Blueprint is everything from the channel, finished, ordered, and ready to use.
Questions, answered
Is this financial advice?
No. The Blueprint is educational information and tools, general in nature and not tailored to any person. Wei is not a licensed financial adviser and is not licensed by MAS. For personal advice, consider a MAS-licensed adviser.
Do I need spreadsheet skills?
No. The planner has a handful of clearly marked input cells. You type your numbers, everything else calculates automatically. It works in Google Sheets and Excel.
How do I receive it?
Instantly after checkout, delivered by Gumroad: the Blueprint PDF workbook, the Drawdown Planner (v3, plus v1 and v2), the Singapore Retirement Number Calculator and its Quick-Start Guide. All six files are yours to keep, on any device.
Does it work for couples?
Yes. Enter your spouse's age, their CPF LIFE payout and the age it starts, and the planner combines both payouts into one household plan, even when your ages and start dates differ. You can also test what happens to the household if one payout stops.
What if we do not plan to leave anything behind?
Use Die with Zero. Pick an age, 95 by default, and the amount you want left, or zero. The planner shows the highest monthly spending, rising with inflation, that lands on that target, allowing for CPF LIFE, SRS and its tax, and your other income. CPF LIFE keeps paying for life after your savings run down.
I bought an earlier version. Do I get v3?
Yes. Existing buyers receive new versions of the planner free by email. If you have not received v3, reply to any Money with Wei email, or use the download link in your Gumroad receipt.
Isn't the CPF calculator free?
Yes, and it does one thing well: project CPF. It will not combine CPF with your cash, SRS and investments, model the bridge years before 65, or give you a decision order. The Blueprint does all of that in one place.
What if it is not for me?
You have a 30-day money-back guarantee. Reply to any Money with Wei email and you get a full refund, and you keep the files.
Know your number. Build the plan.
Stop guessing whether your CPF is enough. In one evening you will have your real number, how long your money lasts, and exactly what to do between 55 and 65.
Get the Blueprint · S$37