Welcome to the What-If Financial Planner

Free · takes about 5 minutes
  1. Enter your particulars — name, age, retirement age and dependants.
  2. Key in your finances — income, expenses, savings, CPF, property, loans and insurance. Rough estimates are fine; the dashboard updates instantly as you type.
  3. Read your results — your life timeline, net worth, cash-flow runway and 7 financial health ratios, each marked Healthy or Review. Use Print / Save as PDF to keep a copy.
Your privacy: everything you type stays in your browser only — nothing is saved, uploaded or sent to us. Close the tab and it's gone. Projections are illustrative and are not financial, tax or CPF advice; figures such as CPF LIFE payouts should be confirmed at cpf.gov.sg.
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Client Particulars

Key in your client's details, just like the Personal Information page of a standard financial report. You'll enter their income, assets, insurance and expenses next.
Dependents
Everything you type stays in this browser tab only — nothing is saved, uploaded, or sent anywhere. This tool gives illustrative projections, not financial, tax, or CPF advice; figures such as CPF LIFE payouts should be confirmed on cpf.gov.sg.

What-If Scenario Planner

Key in actual figures on the left to see the current situation, then adjust anything to test a what-if scenario in real time.
Current situation

Life Timeline

Working years, self-funded retirement, and any shortfall years across the plan.

Cash Flow Projection — Current Situation

Each bar is one year of expenses (living costs + insurance premiums + loan repayments). We draw first from active income while working, then CPF LIFE and other retirement income, then cash savings — the chart turns red once savings run out. Adjust any figure on the left to test a what-if scenario.
Active income used Other retirement income used CPF LIFE used Cash savings used Shortfall Cash savings balance

Financial Ratios

The same health checks used in a standard financial report, recalculated live from whatever you key in.
Figures are illustrative projections based on the assumptions entered and simplified growth/return modelling. CPF LIFE payout is whatever estimate you enter, not an official CPF calculation — use the CPF LIFE Payout Estimator on cpf.gov.sg for exact figures. Nothing here is tax, legal, or investment advice.

Scenario Test — Sign In

This section is restricted. Enter the access details provided by your consultant to continue.