Do you calculate and include in your CPF while calculating the years to leanfire/fatfire or exclude it?

And if you do include cpf, do u include it as total amount for ur entire life (till avg life expectancy with cpf life) or u just calculate in 2 seperate batches. One till 55/65 and then +cpf life payout ontop of your leanfire for 2nd batch? Do you calculate it this way? Really wish to get a couple of ideas off here cause the rate of fire varies with or without cpf.