The plan dashboard

In your first few visits a short card (“Know when you can stop working, and how to get there”) explains the tab. Tap its button, “Continue setup”, or close it and it stays gone.

Your plan, always live

Every chart reads from the same live projection, so an edit anywhere, a payrise, a new goal, a CPF change, updates the whole picture. It isn’t a fixed report, and charts never go blank while numbers are worked out: they dim and hold the last good projection.

The top bar also carries “Undo”, “Redo”, and a “What-if” button that copies the plan into a safe sandbox for trying changes. See The what-if sandbox.

The hero pathway chart sits above a grid of smaller cards: Cash flow, Spend breakdown, Goals, Housing, and Protection, each covered below. An “Up to date” status badge shows in the top bar.

The banner reads “This is a sample projection. The setup checklist on Home replaces it with your own numbers, one module at a time.” It sits above the dashboard until you’ve touched one screen. The chart underneath is real, just not yours yet.

Where do the numbers come from?

Every figure here comes from the same calculator, fed by what you enter on each screen: profile, income, expenses, CPF, assets, housing, goals, protection. You don’t type anything on the dashboard directly, so a number that looks off is almost always fixed on the screen that feeds it. See How the numbers work for the projection, and the cash & asset waterfall for which assets are spent first when cash runs short.

What does the net-worth pathway show?

The large chart at the top is your net worth over time: three stacked bands (CPF, investments, cash) under a total line, readable bottom-up at any point. CPF counts from the start: real money, just locked up until you reach the ages the rules allow.

The line is solid for the past and dashed where it’s projected, with a “you are here” marker at today. Cash below your minimum-cash floor tints that stretch amber; fully negative turns it red, shortfall shaded below the zero line.

Goals show up as small icon badges above the total line. Hover or press one for its name and year; on the web you can drag a badge to move that goal, and the plan updates as soon as you let go. Tap a badge for the full detail: who funds it, the amount, and quick “1 year earlier” / “1 year later” buttons.

Event chips sit along the bottom edge, flagging things the calculator adds automatically, like a CPF Life payout starting or a flat purchase. You can tap one for details, but not drag it.

Three buttons, “Next 10y”, “To retirement”, and “Full”, jump between stretches of the timeline; the chart names the window it’s showing. “To retirement” needs a real projection first. Pinch or scroll to zoom, drag to move, and tap anywhere for a full breakdown at that age. Drag along the line, or hover with a mouse, for the breakdown at any age. For example, at “Age 70 · 2066” the tooltip lists CPF (OA+SA+MA), Investments, Cash and a Total.

Next to the chart title, a small chip shows your projected financial-freedom age: the first year your cash and investments, not counting CPF, could cover your living and lifestyle costs under the 4% rule. It reads “Freedom not yet in reach” if the plan never gets there, and asks for your spending instead if you haven’t entered any. Tap the chip for a short explainer.

What does the cash flow chart show?

The Cash flow card shows ten years at a time, with a “Both / Income / Spending” toggle. Both, the default, draws one bar per year with income traced as a line over the top, so a surplus or drawdown is clear at a glance. Where the income line sits above the bars, that year runs a surplus. Switch to Income or Spending for a category breakdown. One-off sums you expect, such as an inheritance, show as their own “Ad hoc income” band and as a marker on the pathway chart. Tap any bar to set the year for the whole dashboard, spend breakdown included.

A prev/next pager moves through the decades, and an expand button opens a larger view.

What does the spend breakdown show?

The Spend breakdown donut splits a year’s spending into categories: living, insurance, taxes, milestones, temporary expenses, and the rest. It follows the same selected year as the pathway chart and cash-flow bars, and shows the plan’s first year until you pick one.

The centre reads the year’s total outflow, and the legend lists each category’s share.

How do the protection coverage rings work?

The Protection card shows four small rings per person: life cover, critical illness, disability payout, and disability income. They compare current cover against your plan’s ideal coverage for your age. Green is 70% of the ideal figure or above, amber 40 to 70%, red below that, with a line naming the gap directly, like “$191K short”. Insurance is personal, so a couple’s rings sit side by side, not combined. See Insurance & coverage for the ideal-cover basis.

Your rings sit beside your partner’s, which stay at 0% with no policies logged in Protection. Each shortfall is named in dollars, not left as a bare percentage.

How do the goal cards work?

Every goal gets its own card: a progress ring for how far along it should be by the selected year, a sparkline, and a badge of On track, Tight, or At risk. Tap a card for the Goals & milestones screen. A shared goal gets a two-row card with one contribution bar per person. What the badges mean is explained in the feasibility section of How the numbers work.

On a phone, the Plan tab also lists each ad hoc income under “Money you expect”, for example “2030 · age 62”, with the person’s name on a couple’s plan. Tap one to edit it on Income.

Some cards carry a plain “funded from cash flow” note instead of a progress ring. Tag a holding or cash toward a goal in Tracking, and the card also shows a funding bar: money actually set aside, separate from the progress ring’s plan projection. For example, a Wedding goal can show both a 67% progress ring and a separate “$6k of $10k set aside” bar.

What does the housing card show?

A property in your plan shows loan amount, length, and flat cost above a chart of projected mortgage payments split between CPF and cash. Tap the card for the full breakdown: downpayment, fees, stamp duties, loan terms, and, for a new launch, the payment schedule. See Housing & property. No property yet? A simple prompt links to the Housing screen.