Question 1 of 10
How old are you?
Your age defines your retirement runway and the urgency of every decision you make.
A Below 30 — Retirement feels distant, but compounding is already at work B 30–40 — Building assets and thinking long-term C 40–50 — Mid-career and getting serious about the numbers D 50–60 — The countdown has started; planning is critical now E 60 & above — Retirement is imminent or already here
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Question 2 of 10
What is your current employment status?
This affects your CPF contribution rate, income stability, and retirement planning strategy.
A Employed full-time — Stable income with regular CPF contributions B Self-employed or business owner — Variable income, I manage my own CPF C Part-time or freelance — Flexible income, contributing where I can D Homemaker or caregiver — Not currently contributing to CPF E Retired — No longer in active employment F Unemployed — No active income or CPF contributions currently
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Question 3 of 10
What is your marital status?
This shapes your HDB eligibility, joint CPF planning, and estate considerations.
A Married — Planning jointly with my spouse B Engaged — Getting married soon, planning ahead C Divorced or widowed — Planning as a solo household D Single — Planning independently for now
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Question 4 of 10
What is your combined gross monthly household income?
Include all employment, rental, business, or investment income across the household.
A Below $3,000 B $3,000 – $7,000 C $7,000 – $10,000 D $10,000 – $14,000 E $14,000 – $16,000 F Above $16,000
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Question 5 of 10
Where do you stand with your CPF Retirement Sum?
BRS ≈ $102,900 · FRS ≈ $205,800 · ERS ≈ $308,700 (2025 figures). Check your CPF dashboard if unsure.
A I have not yet fulfilled the Basic Retirement Sum (BRS) B I have fulfilled BRS but not the Full Retirement Sum (FRS) C I have fulfilled the Full Retirement Sum (FRS) D I have fulfilled the Enhanced Retirement Sum (ERS) E Not sure — I haven't checked recently
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Question 6 of 10
How much cash do you have set aside specifically for retirement?
Liquid savings intentionally reserved for retirement — not your emergency fund or everyday savings.
A None — I haven't separated retirement savings yet B Below $50,000 C $50,000 – $150,000 D $150,000 – $300,000 E Above $300,000
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Question 7 of 10
What type of property do you currently own?
This shapes your leverage options, upgrade pathway, and retirement strategy.
A HDB flat — Public housing, building equity steadily B Apartment — Private residential, leasehold C Condo — Private residential, stronger capital appreciation potential D Landed property — Highest equity and leverage potential E No existing property — Currently renting or staying with family
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Question 8 of 10
What is your current property's estimated market value?
Use recent transaction prices in your area. Estimate conservatively if unsure.
A Below $500,000 B $500,000 – $800,000 C $800,000 – $1,200,000 D $1,200,000 – $2,000,000 E Above $2,000,000 F No existing flat / property
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Question 9 of 10
How old is your property?
Lease decay directly affects your property's value trajectory and the window to monetise it for retirement.
A Below 10 years — Lease very fresh, lots of runway ahead B 10–20 years — Good years ahead, still strong market value C 20–30 years — Approaching the lease midpoint D 30–40 years — Lease decay starting to have real impact E Above 40 years — Time is a critical factor, act carefully F Not applicable — I do not currently own a property
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Question 10 of 10
Do you have plans to move or upgrade your property?
Whether you're staying put, right-sizing, or upgrading — your move plan is central to your retirement strategy.
A Yes, with a clear plan — I know roughly when and what I'm moving to B Possibly upgrading to private property within 3–5 years C Considering right-sizing (selling to a smaller unit) for cash proceeds D Not sure — I haven't thought about this yet E No plans — I intend to stay in my current home indefinitely
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✦ YOUR SCORE IS READY
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Enter your details below and we'll reveal your personalised Retirement Readiness Score — along with a breakdown of exactly where you stand.
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This quiz is for educational and informational purposes only and does not constitute financial, investment, legal, or property advice. Scores are indicative assessments based on self-reported answers only. Past performance of property markets is not indicative of future results. Please consult a licensed financial adviser for personalised advice. Hyqal Boh · CEA Reg. No. R068571H · PropNex Realty Pte Ltd · EA Licence No. L3008022J