Truemind CapitalFee-only investment advisers
Financial Freedom Calculator for Indians in Singapore
Step 1 of 6 About two minutes

When do you want to stop needing a salary?

Financial freedom is not the same as stopping work. It is the point at which working becomes a choice.

years
years

Most people at this stage pick somewhere between 50 and 58. You can move it later and watch what changes.

What comes in

Household, not just you. If you plan jointly with a spouse, add both.

S$a month

CPF is locked until 55 and pays out from 65, so it is a floor under old age rather than money you can use to retire early.

What goes out

This sets your target, so it pays to be honest rather than optimistic.

S$a month

Everything: rent or mortgage, school fees, helper, food, travel.

85% of today

The commute and the mortgage usually go. Travel and healthcare usually rise.

What you have already

Investments only. Leave out the home you live in — it does not pay your bills.

S$

Shares, funds, bonds, SRS, Indian mutual funds and deposits. Not CPF, not your home.

S$
S$

Where do you see yourself afterwards?

This single choice moves the answer more than any investment decision you will make.

You will see all four compared in your report, whichever you pick here.

Anything large you are saving towards?

Tick what applies. The figures are typical starting points — change them if you know better. Skip this if you are in a hurry.

Your money buys you freedom at 54.

3892
Still earning Years you want free but cannot yet fund Years you can fund The age you picked
0/100

The four numbers that matter

Everything else in this report explains these.

What you will have when you stop, against what you need

Read across to the age you would stop earning. Where the two lines cross is the earliest point the plan funds itself.

Where you retire changes the answer

Same income, same saving, same portfolio. Only the destination changes. The gold line is what you are on track to have.

What one more year of work does

Working a year longer adds a year of saving and removes a year of drawdown, which is why the ratio moves faster than people expect.

The corpus you need does not always rise with age. A goal you have already paid for out of salary — a property, a wedding — drops out of what you still need to fund.

How the score is built

No black box. Four components, fixed weights.

Want the full report as a PDF?

We will email you a PDF with the year-by-year numbers, all four destinations compared, and the things we would want to check in your situation. No obligation, and we do not sell products.

Saved. An adviser will follow up within 24 hours.

We are fee-only, which is rarer than it sounds

We do not earn a rupee from any product we recommend, because we do not sell any. If that is the first time you have read that sentence from an adviser, the rest of how we work is worth ten minutes.

How we work

What we would look at with you next

These are the five things that most often turn out to matter for Indians who have been in Singapore a while.

  1. Whether your Indian investments are still held as a resident — KYC status, NRO conversion, and the tax deducted when you redeem.
  2. Whether your money is in the right currency for the country you actually intend to live in.
  3. What the destination decision is worth in years, not just in rupees.
  4. Whether your goals are funded in the right order, or quietly competing with each other.
  5. Whether you are paying a distributor commission for advice you could buy for a fee.

Lead register on this device

Visible only with ?admin=1 in the address bar. Every lead captured on this tablet since it was last cleared.

Every assumption, open

Change any of these and the whole report recalculates. Nothing is hidden.

Returns, inflation and currency
Destinations — cost of living and tax
CPF, and how we treat it

CPF is modelled as one locked pot rather than split across Ordinary, Special and MediSave, and is released as a level CPF LIFE income from 65. At these income levels contributions are capped by the wage ceiling, so the simplification moves the headline answer very little. Verify the ceiling, the Enhanced Retirement Sum and the payout rate against the CPF Board before relying on them.

This is an educational projection, not investment advice, and not a financial plan. Returns shown are assumptions chosen by us, not forecasts, and past performance tells you nothing about future returns. Currency, tax and CPF rules change, and the figures here are simplified on purpose. Your own position depends on facts this calculator does not ask for. Truemind Investment Adviser Pvt. Ltd. is a SEBI-registered investment adviser, registration number INA100017089.