A little help with your plan.

Edit your numbers, then check for Saved on this device. Valid changes and unfinished drafts normally save after two seconds. Return using the same site, browser profile and device to reopen the last plan. You can choose another saved plan from Data & settings.

On the first screen, View my retirement outlook carries your entered EPF balance, monthly spending and assumptions into a saved personal plan. You do not need to enter them again.

Plans are stored locally, not in a signed-in account. A different browser, browser profile, device or website address has separate storage. Export a JSON backup from the original browser, then import it on the new one. Private browsing and cleared site data can remove local plans.

Keep the page open and read the message. Correct highlighted inputs first. If browser storage is unavailable or full, download a JSON backup when the plan is valid before changing browser settings. Do not clear site data as a first troubleshooting step.

If another tab changed the same plan, automatic saving pauses to avoid overwriting it. Reopen the saved version or use Duplicate scenario to keep a separate copy of the values you want.

1. Open Data & settings and select the plan you want to keep.
2. Expand Backups, older plans & deletion, then choose Download plan JSON.
3. Save the file somewhere private. It contains unencrypted financial information.

1. Open Data & settings, expand the backup section and choose Import JSON as new plan.
2. Choose your JSON file and review the preview. Backups must be under 2 MB.
3. Choose Import & save. The imported plan is saved separately on this device; existing plans are not overwritten.

The deletion confirmation cannot be undone inside the app. Import a JSON backup if you have one. Without a backup, the site cannot restore a plan erased from browser storage. Deleting portfolio plans keeps display preferences and separate legacy records.

No. It starts from the balances you entered and spreads projected changes smoothly over time using your plan’s assumptions. It includes modelled asset changes, returns and cash flows where applicable. It does not fetch live prices or record actual payments, and it does not change your saved opening balances as it animates.

The monthly passive-income figure is a planning average: your expected annual net dividend income divided by 12. Actual dividends may arrive in different months. A projected EPF dividend stays within the EPF balance; it is not automatically spendable monthly cash.

Today’s money adjusts projected amounts back to the purchasing power of your plan’s valuation date using your inflation assumption. Future money shows projected cash amounts at each age. Switching the view changes how amounts are displayed, not the saved inputs or underlying scenario.

It means the current scenario reaches a month where accessible retirement resources do not fully cover the planned spending. Try changing spending, contributions, retirement age or access assumptions to understand the effect. It is a scenario result, not a personal recommendation.