First of all, calculation is futile if we do not consider Inflation and Reasonable Lifestyle. This is not saying Medical is not important but major expenses are covered by Insurance and/or CPF Medisave/shields. Getting the right coverage on hospitalization cost is important in my opinion. But trying to jack up your retirement amount to anticipate payment for serious illness that cost say $300 K direct from pocket is not meant to be as typical retirement plan that is realistic to be prepared for many. For the start i will not retire till i meet my minimum requirement lifestyle. After working so hard for years and to retire like a "beggar" is not a aspiring thing to do. However i am willing to trade off some big ticket items to derive the core expenses. Transportation Doing away with private car, i should save a big chunk. Taxi is a reasonable alternative ......