If we need a minimum amount of 130k in CPF by 30 for 1M65, how much do we need to have in our CPF accounts by 20 or 25 to acheive the same results?

Hey Shao Wei,

This is really good question. Glad that you are thinking about your retirement at an early age. It is in fact very hard to calculate because it is not watching a fixed sum of money grow from 20s to 60s. I've done up a calculator where you can input what you have and your income to project the the CPF balances up to 55.

(You kinda need to project the value from there until I've add the new features in)

But from the inital figures if you are born in 2000 and drawing a $2000 salary and empty CPF balance it will look like this:

You may try it out at https://geek.sg/tools/cpf-forecast/​​​

You can use online calculator like this to calculate the present value required.

https://www.calculator.net/present-value-calcul...

Do note for 1M65, the $130K balance is in the SA and MA accounts.

From the website:
By your early 30s, simply achieve S$130,000 in savings with your combined balances of your CPF SA and MA and let the magic of compounding do the rest.