Fire Lab

Fire Planner

Overview

Dashboard
High-level overview of your FIRE situation and quick links into the main tools.
Profile
Your financial profile. Set it once, prefill inputs across all tools.
Plan settings
Global assumptions for returns, inflation, and housing used across tools.

FIRE Plan

FIRE calculator
Bring everything together and answer "When can I retire?" with Singapore-first assumptions.
Savings rate optimizerActive
Show how different savings rates affect the time needed to reach FIRE.

Income & Career

Salary benchmark
How your salary compares to peers in Singapore.
Income trends
Explore historical incomes (individual + household) and CPI-adjusted real values.
Income growth projection
Project future earnings under different increment and promotion assumptions.

Tax & CPF

Tax calculator
Estimate Singapore income tax based on multiple income sources and reliefs.
CPF contributions
Calculate monthly CPF contributions with OA/SA/RA/MA allocation using 2026 rates.

Housing

HDB affordability & mortgage
Check how much property you can afford and the monthly load, with MSR/TDSR hints.
HDB vs condo scenarios
Compare long-term wealth outcomes between different housing choices.

Investments

Portfolio management
Track asset allocation across CPF, cash, and brokerages, with rebalancing guidance for new contributions.
Portfolio growth simulator
Model portfolio growth over time given contributions and returns.
Crash / stress test
Simulate market crashes and see how they affect your path to FIRE.

Tools & Data

Cash / savings rates
Compare SG savings account rates and find the best for your situation.
Inflation & cost-of-living
Visualise inflation and cost-of-living trends relevant to FIRE.
Income-to-housing ratio
Track how property affordability changed over time relative to incomes.

Savings rate optimizer

Instant estimate (uses Profile)

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Fire Lab © 2026. Estimates only, not financial advice.

Savings rate

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Add income in Profile

Monthly invested

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net income − expenses

Years to FI

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at 4.0% withdrawal rate

Savings rate vs years to FI

Higher savings rate = faster path to financial independence

Add income and expenses to your Profile to see the curve

What savings rate do I need?

Target savings rate0%

10%80%

Strategy

Quick adjust

Use in FIRE calculator Refine tax estimate Refine CPF estimate

Estimates only. Defaults in Plan Settings.