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The Retirement Vibe Checker

Can Retire or Not? A Singapore lifestyle simulator by Thrive Tribe.

Thrive Tribe app

Can Retire
or Not?

Build your future Singapore lifestyle, drag a few sliders, stress test your savings, and find out whether retired-you is living comfortably or quietly being bullied by COE, travel plans, and medical premiums.

Takes about 3 minutes
No login needed
Built for Singapore context
Future monthly lifestyle
$7,850
Food, transport, healthcare, travel, family support, and the suspiciously expensive stuff you forgot to budget for.
Retirement vibe
Comfortably Can Lah
Not private jet rich. Still pretty decent. Your future self may approve.
Replayability
Try retiring earlier, removing the car, adding CPF LIFE, or giving retired-you a business class problem.
Step 1 of 10$0/month
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Housing

Where will retired-you be living?

$0/month
You can fine tune all categories later with sliders.

Your retirement lifestyle estimate

The wizard gave you a starting number. Now drag the sliders and make retired-you more honest.

$0/month

Basic retirement inputs

Keep it simple first. The serious playground unlocks after your basic result.

Default assumptions included
Retirement vibe

Comfortably Can Lah

Your future self has room to breathe.

72

Biggest levers

The fastest ways to change the outcome, without pretending every lever is painless.

What the numbers mean

Small explainers for the key cards, so the result feels less like a black box.

📈 Savings projection over time
Base projection Retirement age Money runs out, if any

Top insights

Educational observations only, no financial advice hiding in a trench coat.

Basic share card

Built for WhatsApp sharing without revealing everything.

Serious version unlocked

Your details and consent are saved locally in this browser. You can jump back to CPF LIFE, assets, scenarios, and full share anytime.

Unlocked
CPF LIFE layer
$2,100
Monthly income coverage
Asset breakdown
14 rows
Cash, CPF, funds, property, crypto
Scenario playground
10 tests
Retire earlier, remove car, add travel

Want the serious version?

Unlock CPF LIFE, itemised assets, best and worse case drawdown lines, and scenario testing. This is where the fun becomes useful.

Advanced playground

CPF LIFE, asset rows, scenario testing, and share settings. This is where people start pressing buttons for fun.

Unlocked

CPF LIFE income layer

Use official CPF LIFE number if you know it. Otherwise use the rough placeholder.



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Estimated CPF LIFE: $0/month

This placeholder uses a simple percentage of RA amount at 65. It is not an official CPF estimate. For accuracy, check the CPF calculator separately, then enter the official number here.

CPF coverage

How much of your lifestyle is covered before portfolio withdrawals.

CPF LIFE used
$0
Monthly payout
Expense covered
0%
Of retirement lifestyle
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Better mental model

CPF LIFE is shown as an income layer, not as a lump sum asset. That makes it easier to see what your portfolio still needs to fund.

📊 Advanced drawdown projection
Base Post-retirement return 20% higher Post-retirement return 20% lower Retirement age

Itemised asset rows

Your basic current savings starts as an uncategorised bucket. As you add rows below, the app subtracts those amounts from uncategorised savings and recalculates the blended return.

$

Current savings and investments bucket

Your basic input starts as uncategorised savings at the default pre-retirement return. Every itemised asset row reduces this bucket dollar-for-dollar, until it reaches $0. If itemised assets exceed the basic amount, the model uses the larger itemised total and flags it below.

AssetValueMonthlyGrowthDrawdown
Basic current savings
$0
From the basic input page
Total assets modelled
$0
Itemised plus uncategorised
Uncategorised savings
$0
Uses default return until classified
Blended pre-retirement return
5.0%
Weighted by value
Monthly contributions
$0
Total modelled monthly input
🧩 Asset allocation

Asset notes

Useful talking points for adviser follow-up.

Scenario playground

Each button applies a temporary test. People will click this more than they admit.

🎮 Scenario result
Choose a scenario to see what changes.

Full share page

For spouse, family, or adviser discussion. You can hide exact numbers.

Shared data is encoded into the URL for this prototype. Lead details are stored only when submitted through the unlock form.