A learning game · about 10 minutes
You have just finished studying. Forty-four years of earning lie ahead, and roughly five hundred pay cheques. Life will not go to plan — it never does. Let's find out what you are left with at 65, and more usefully, why.
Your employer adds 17% CPF on top and 20% comes out of your pay. That happens automatically all game — it is the one part of a Singaporean's retirement that is not optional.
Of your take-home pay, how much goes where? Whatever you don't assign becomes lifestyle — spent, and gone.
Premiums come out of the same take-home pay, so cover costs you investing money. That trade-off is the whole point — see which side wins.
Every life runs on a seed. Keep the same seed and you get the same 44 years of luck — so when you replay with different choices, you are comparing decisions, not luck. That is the point of the game.
Educational simulation, not financial advice. Assumptions are listed at the end.