Freelancing in Singapore gives workers control over their schedule, clients, and income. Retirement planning for freelancers means setting aside income, CPF top ups, SRS contributions, and investments to replace future income without employer CPF support. Unlike salaried employees, freelancers do not receive mandatory employer CPF contributions. The employer contribution, which can add up to 17% of an employee’s monthly wage to CPF savings, does not apply to self-employed persons. This makes retirement planning more dependent on personal discipline, income management, and long-term investing. Freelancers also face irregular income. Strong months can be followed by slower periods, which makes consistent saving harder. The earlier freelancers start planning for retirement in Singapore, the more time they have to benefit from compounding, voluntary CPF contributions, and structured investment habits. This guide explains how to save for retirement as a freelancer in Singapore, using a worked example to show how freelancers can calculate a realistic monthly savings target....