Truly Simple Maths To Retire Early In Singapore (Or Anywhere Else In The World)

Retiring is a case of maths, especially in the case of early retirement.

Let's run the numbers, and work backwards, shall we?

Ok, first of all, how much do you need to retire? Basically, how much is your annual expenses? You will need to compute all the expenses that you spend for the year, and ensure that your passive/dividend income is the same or higher than that particular amount.

Let's take an average of $2000 per month, so that'd mean in one year, that'd be $24000.

Assuming your return on investment is 4%, hence you will need to stockpile $600k ($24k / 0.04%).


So here you'd either be shocked or pleasantly surprised.

Let's dive down a little deeper, on how you can slowly reach this amount (I'm not talking about buying Toto or 4D or gambling - that never works because the favor is always on the house, not you).

  1. Either you invest $1k per month ($12k per year) x 28 years in a dividend stock portfolio with 4% return, with reinvested interest to maximize compound interest, and you'd amass $623,595.44. With that, you'd be able to get $24943.81 per annum based on 4% ROI

  2. Or you invest $1.5k per month ($18k per year) x 22 years in a dividend stock portfolio with 4% return, with reinvested interest to maximize compound interest, and you'd amass $641,121.99. With that, you'd be able to get $25644.88 per annum based on 4% ROI

  3. Or you invest $2k per month ($24k per year) x 18 years in a dividend stock portfolio with 4% return, with reinvested interest to maximize compound interest, and you'd amass $640,109.51. With that, you'd be able to get $25604.38 per annum based on 4% ROI

Is this hard?

Depends on how much you make and how much you save/spend.

An average individual in Singapore makes an average of SGD 3,770 per month, and after deducting 20% to CPF (unless you're a foreigner and not subject to CPF deductions), you may take home about $3016. To make it easier, let's round down to $3000 per month, plus 1-2 months of bonus (be it $3000 or $6000) (Note: some people make much more, or get much more for bonus, but for simplicity's sake, we use these numbers ok)

Assuming you can set aside $1000 per month, that'd be $12k per year; and the entire bonus 6k, that'd mean you can save-to-invest $18k per annum. Based on scenario #2 above, you'd be able to retire within 22 years.

We hadn't factored in yearly increments of course, and making a very conservative number of flat salary (which is untrue/unreal; most have growth between 1-5++% per annum, which in turn also compounds).

I'm not saying saving $1000 out of $3000 is easy: for many, it can be/is very hard, as oftentimes we have many expenses; but with a little bit of smart cost savings eg planning

  • packed meals which are both healthier and much cheaper than eating out

  • budgeted outings/eating out (including the daily $3-5 coffee that can happen 1-3x per day)

  • curbing back on expenses that are non-meaningful ie buying to impress someone/thoughtlessly

And that's just creating the basic savings approach to invest into dividend stocks.

The next is taking the time and effort to learn how to build an online business with Solo Build It.

You see, there's only so much you can save. You cannot ever save more than you make, so on one hand, it's very good to be able to streamline expenses to save more to invest; but you will accelerate your earning potential by starting an online business that is low cost to start, one you can build from the comfort of your home (and in your spare time), not another blasted MLM (ugh), with a global audience and 24/7 business.

I used Solo Build It to drive $100k worth of clients to my Singapore physiotherapy business since 2010, and I've added affiliate products that make me about $20-$30 per month (see my affiliate sales and commissions here)

Visit Solo Build It here, and read my SBI review here.

I'll write more about this in my next post k =)

Where to next?

Head to Home Page

Start with these:

  1. Start Here
  2. FIRE Manifesto
  3. FIRE 101 and
  4. The Passive Income Lifestyle Framework.

They are my recommended to start with articles that ties in the entire framework, philosophy and working model of FIRE Lifestyle

Save-Earn-Invest More Articles

  1. Ruthlessly Cull Unnecessary Expenses
  2. Respect The $10s
  3. Small Tweaks To More $10s
  4. $150K+ By 35 - Reality Or Delusion?
  5. Start An Online Side Hustle With Solo Build It
  6. Start Investing For Passive Dividend Income In Just 3 Days
  7. How To Retire With $3 Million
  8. Invest To Spend On Luxury & Liabilities (Whatever You Want*)
  9. Shocking Maths Of Early Retirement (It's Less Than You Think)

See more Save, Earn & Invest More articles here.


  1. Contact me by email at (even just to say hi) at
  2. See the latest articles and updates at the blog
  3. Check out my resource page to see the tools I use
  4. See my top two resources for online business below: Wealthy Affiliate (left) and Solo Build It (right) - both have very specific strengths and functions

Wealthy affiliate: #1 to learn how to build profitable wordpress online businesses

Wealthy Affiliate is my recommended for WordPress online businesses.

I've been a premium member of Wealthy Affiliate since 2015 and there are a number of pros to be with them, which you can read at my Wealthy Affiliate review here.

One of my favorite points of WA is that they have a try-before-you-buy forever-free membership which you can sign up here for free. No credit card needed.

solo build it (sbi): #1 for offline businesses local search engine ranking, traffic and lead generation

Solo Build It (SBI) is my #1 tool for local search engine optimization (SEO) domination as well for online marketing which I've been using since 2010 personally for multiple projects.

Read why I chose Solo Build It...

...and more importantly, why I still stay with Solo Build It (SBI) till today and use them exclusively for all my SEO, traffic and e-lead generation.

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