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Bobodog Studios

PRLM — Pay Right, Live More

Who are we planning for?

Choose the path that fits your journey. Secure your future, today.

👤

For Myself

Design a personalized roadmap focused entirely on your individual aspirations, retirement goals, and financial freedom.

Get Started →
👥

For a Couple

Build a shared vision. Align your financial goals, combine your assets, and plan a prosperous future together.

Plan Together →
— OR —

New Profile

Let's get to know you.

NAME
👤
DATE OF BIRTH
📅

New Couple Profile

Planning together builds a stronger future.

👤 Partner 1
NAME
👤
DATE OF BIRTH
📅
👤 Partner 2
NAME
👤
DATE OF BIRTH
📅

Your Financial Planning Journey

Follow these steps to build your comprehensive financial plan.

1

🖥 Understanding my priorities and situation

Define your income, expenses, and major financial goals.

2

📊 DENIM (Cost of my Wants)

Define your financial independence goal.

3

🛡 DEBIA

Plan for life's uncertainties.

4

→ The Next Steps towards PLSM

Prioritize your DENIM and DEBIA commitments.

5

📈 Financial Health Summary

Review your complete financial picture.

Which stage of the Wealth Cycle are you prioritising now?
Objective of doing this is for us to prioritise our limited resources to the stage that is most important to us given that things are getting more expensive each year.
🛡Wealth Protection
📈Wealth Accumulation
🌳Wealth Preservation
🪣Wealth Distribution
Allocate your assets to better own all the things you want and buy back the time for things that matters most to you, build this habit up so you "Don't Ever Need Invest More" (DENIM)
Inflow
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months
Avg Total Monthly Inflow: $0
Outflow & Commitments
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👨‍👩‍👧
✈️
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Total Monthly Outflow: $0
Short Term Big Ticket Goals
Planning for upcoming major expenses (e.g., Wedding, Renovation, Car) helps ensure you have enough liquidity.
Current Liquid Assets
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Total Liquid Assets:$0
Current Long Term Assets / Illiquid
🏦
Total Long Term Assets:$0
Mortgage Calculator

Couple assumes a partner with identical income and CPF.

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📅
🖥
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Affordability Breakdown
Enter property details to see the breakdown.
FYBC for —
📅
🕐
🎯
🕐
ℹ %
ℹ %
Ideal Monthly Passive Income (Today's Value)
Monthly Spending Breakdown
Preview for Today's $3,500 Tier
Your FYBC Projections
Fill in your details on the left and click "Calculate My FYBC Goal" to see your financial independence projections here.
Projected CPF Sums (Age 55) & LIFE Payouts (Age 65)
Indicative CPF Retirement Sums for individuals.
Projected monthly income for being a hardworking employee
CPF SCHEMEREQUIRED SUM AT AGE 55PROJECTED PAYOUT FROM AGE 65
Basic Retirement Scheme (BRS)——
Full Retirement Scheme (FRS)——
Enhanced Retirement Scheme (ERS)——
Enter your date of birth or age to see projected CPF sums.
Select Your Assumed CPF Retirement Scheme
🏠
BRS – The House Upgraders
👤
FRS – The Simple Lifestyle
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ERS – The too much cash on hand
📋
The Self-employed
Analyse Your Commitments To Future You
How much have you already committed to your future?
Detail your existing savings plans or investments that contribute towards your FYBC goal.
No existing commitments added yet.
Total Projected Value from Existing Commitments at FYBC Age: $0
Retirement Accumulation Analysis (Post Commitments)
Here's how your assets accumulate to fund your retirement goal.
Total Fund Needed
$0
Projected Assets
$0
Funding Gap
$0
Disclaimer: The income from existing and willing commitments is based on the assumption that all accumulated lump sums are placed into an annuity yielding 3.5% p.a.
Your Route to Fire Your Boss
Savings needed to reach your funding gap, if using only one method:
If we choose to save in Bank
%
Monthly Contribution: —
If we take up Endowment/Annuities
%
Monthly Contribution: —
If we invest passively
%
Monthly Contribution: —
Each option above shows the total monthly savings required if you were to use that single method exclusively. Returns are compounded annually. This is a simplified model for informational purposes.
💵

DEBIA

The only guide you need to "Don't Ever Buy Insurance Again"

"Every WANT we desire hinges on our ability to receive income"

Part 1: Medical Protection

Taking up whichever required medical treatment to get back to earning income.
A. Hospitalisation (Inpatient) Insurance
In the event of discomfort, on a scale of 1 to 5 (most important), how important is 'not having to wait' for treatment to you?
Least ImportantMost Important
B. Outpatient Bills
Do you engage in active exercise and are you prone to injuries?
Private Hospitalisation Coverage recommended based on your preference.

Part 2: Critical Illness

Squeezing out every $ of your coverage for every key person in your life.
Personal Expense
5 years of monthly expenses
$60,000
Family Allowance
5 years of family allowance
$24,000
Future Dependents
5 years of necessities at $1,000/mth per child.
Number of children:
$0
Loans/Mortgage
5 years of monthly loan/mortgage payments.
Monthly loan payment:
$99,780
Contribution to Future Self
Calculated future value, or enter custom amount.
$118,195
Total Critical Illness Coverage Needed
$301,975
This is the total amount needed to cover your selected items for a 5-year period.
✨ DEBIA AI Insights Powered by Gemini
Enter your Anthropic API key to get personalised insurance recommendations based on your DEBIA profile.
Priorities for —

DENIM (Wealth Accumulation)

Recommended Monthly Savings
Endowment/Annuities
$2,767
Passive Investment
$1,566
Current Committed Budget
How much are you willing to commit to your future?
Add any new savings or investments you are willing to start to help reach your FYBC goal.
No new willing commitments added yet.

DEBIA (Wealth Protection)

Recommended Protection Budget
Ideal budget (10% of Gross):
$500
Current Protection Budget
New Intended Protection Budget
If entered, this amount replaces the current premium in the final cashflow calculation. This amount is included in your monthly expenses projection.
Nett Cashflow Breakdown (Based on Selections)
Avg Monthly Inflow$0
Outflow & Commitments- $0
Nett Cashflow (Pre-Savings)$0
New Intended Commitment$0
Final Monthly Surplus$0

Monthly Cashflow Projection (10 Years)

Projection for —
DateStart BalanceNett CashflowBig Ticket OutflowEnd Balance
How to achieve your short term goals
✅ Based on your current surplus habit, you are perfectly on track to clear your short-term goals. You can begin thinking about your long-term targets.
Financial Health Report for —
Generated on
Financial Health Summary
46
/ 100
Your Financial Health Score
Strengths:
✅ You have over 6 months of essential expenses saved for emergencies.
✅ Your monthly cashflow is strong, with a surplus of over 10% after all commitments.
Areas for Improvement:
⊘ Your long term commitments are projected to cover 41% of your goal, leaving a shortfall.
⊘ Review your budget to increase savings towards short-term goals.
DEBIA AI insights (Don't Ever Buy Insurance Again)
Part 1: Medical Preparedness Recommendations
Hospitalisation Plan:Private Hospitalisation Coverage recommended
Outpatient Coverage:Accident Coverage recommended
Part 2: Critical Illness Coverage Needed (5-Year Plan)
Personal Expense:$60,000
Family Allowance:$24,000
Future Dependents:$0
Loans/Mortgage:$99,780
Contribution to Future Self:$118,195
Total CI Coverage Needed:$301,975
What you want and how long you have
Current Age:—
Date of Birth:—
Desired Retirement (FYBC) Age:—
Desired Monthly Income (in Today's Value):$3,500
Time Until Retirement:—
Your Target Fund & Income Analysis
Income Analysis
Desired Monthly Income at FYBC Age:$6,176
Monthly Income Needed at CPF LIFE Age (65):$7,906
Current Projected Income:$3,050
Fund Accumulation Breakdown
Total 'Fire Your Boss' Fund Needed:$1,938,263
Less: Value covered by CPF LIFE:-$374,640
Less: Value from Existing Commitments:-$0
Less: Value from New Willing Commitments:-$0
CPF LIFE Portion
Existing Commitments
New Willing Commitments
Remaining Fund Shortfall
Remaining Fund Shortfall:$1,144,340
Remaining Contribution to Clear Shortfall
To save the remaining amount over your remaining years, the required monthly contribution is:
Bank (1.5% p.a.):—
Endowment/Annuities (3.5% p.a.):—
Passive Investment (8.0% p.a.):—
Monthly Cashflow Summary
Average Monthly Inflow:$0
Less: Monthly Outflow:$0
Less: Monthly Commitments:$0
Nett Cashflow (Before new savings):$0
Less: New intended commitment:$0
Final Nett Monthly Cashflow:$0
© 2026 PLSM. All calculations are estimates and for informational purposes only.