Retirement Calculator


  • This is a model, not a prediction.
  • The results from this calculator are based on the limited information that you have provided and assumptions made about the future. The amounts projected are estimates only provided by this model and are not guaranteed.
  • This calculator cannot predict your final balance at retirement with certainty because this will depend on your personal circumstances including unexpected events in your life and external factors such as investment earnings, tax and inflation. This calculator assumes that you can make steady, predictable contributions and that all assumptions including these external factors will operate at set, steady rates for as long as you remain at member of FNPF, even if events turn out differently from what’s assumed. These assumptions are essential so the calculator can show the effect of things you may be able to control, such as making partial or early withdrawals.
  • You should consider updating the projections provided by this model regularly as your circumstances may have changed. You can also change and update some of the assumptions to reflect your personal circumstances.
  • Do not rely solely on this calculator to make decisions about your retirement, there may be other factors to take into account. Consider your own retirement objectives, financial situation and needs. You may wish to get advice from a licensed financial adviser.


The calculator works for Compulsory Members only. It will not work for Voluntary Members.

Results are in today’s dollars

Results are shown in today’s dollars, which means they are adjusted for inflation.

Inflation assumptions

We make the following default assumptions on inflation (which you can change under the ‘settings’ under the ‘More about You’ section that appears below calculator results):

  • 2.0% each year due to the rising cost of living (CPI inflation)
  • An annual interest rate of 5% post July 2021.


We assume that your employer contributes an amount equal to 5.0% of your wages or salary.

In future years we assume that:

  • Your employer contributions will increase with inflation
  • From 1 July 2021, the rate used for the default employer contribution rate is 5%.



As at 1 July 2021, the FNPF contributions deducted from your wages or salary are not tax deductible. We assume that this will remain so.

We also assume that your employer’s contributions deducted will remain not tax deductible as well.

Results are shown at 1 July

Your projected super balance is shown at 1 July after you reach the indicated age on the chart. For example the member account balance shown for age 35 is the balance at 1 July after your 35th birthday.

Investment return

We make the following default assumptions for investment return:

  • Investment return of 5.0% each year

Actual returns will vary significantly from year to year and could be negative in some years, particularly for investment mixes where more is invested in shares and property. This calculator does not allow for such variations.


We make the following default assumptions for fees:

  • There will be no Administration fees each year.
  • There will be no Investment fees each year.


SDB premiums

We make a default special death benefit premium assumption that $35 will be deducted on the 1st July of every year.

Further information

  • Your FNPF contributions will remain at FNPF until you have met a condition of withdrawal. Weigh up the benefits of additional contribution against your other priorities, for example paying off your unsecured loans.
  • You will need to refer to your latest FNPF member account statement.