Free Singapore Money Tools
Know Your Numbers Before You Sign, Buy Or Retire
Your flat, CPF, tax or retirement. Put in your own numbers and see what they mean for you.
Start Now Or Later?
Waiting 5 years could leave you with about S$155,761 less after 30 years.
- Start now
- S$502,258
- Start in 5 years
- S$346,497
- Growth missed by waiting
- S$125,761
Example from our Cost Of Waiting calculator: S$500 a month at an assumed 6% a year, steady every year, before fees and tax. Real returns go up and down. Not advice.
Start From Your Situation
Save More Each Month
5 steps · Take-home pay, a safety net and smarter spending.Take-home pay, safety net
Grow My Wealth
7 steps · How growth, fees and yields add up over time.Growth, fees, dividends
Buy A Home
9 steps · Budget, loan, upfront costs and how to pay.Budget, loan, stamp duty
Make My Savings Last In Retirement
6 steps · Already retired? Your payouts, steady income, care costs and family.Payouts, income, care, family
Plan For Retirement
4 steps · Still working? Your CPF, your payouts and your number.Still working? Start here
Pay Less Tax
4 steps · Your tax bill and the reliefs that cut it.Tax bill, reliefs, SRS
Protect My Family
6 steps · A safety net, the right cover, school costs and a will.Buffer, cover, kids, will
Build Passive Income
5 steps · Dividends, yields and T-bills that pay you while you work.Dividends, yields, T-bills
Free · No sign-up needed · Your numbers stay in your browser · Sources and dates shown
Or Browse By Topic

CPF & Retirement
See what your CPF could pay you and the number you need to retire.

Home & Property
Know what you can afford before you sign anything.

Tax
See your tax bill and the reliefs that could cut it.

Investing
Put a number on growth, fees and dividends.

Insurance & Protection
Check the cover your family may really need.

Banking & Cards
Find the card that pays you most and where cash earns more.

Everyday Money
Take-home pay, a monthly plan and a safety net.

Learn
Free course, webinars and plain-English guides.
Check My Numbers In 2 Minutes Not Sure Where To Start?
Answer three quick questions and get one clear place to begin.
Your answers stay on this page.
Popular Questions
- 1How Much Will I Take Home After CPF?Salary After CPF Calculator→
- 2Is My Emergency Fund Big Enough?Emergency Fund Calculator→
- 3How Much HDB Flat Can I Afford?HDB Affordability Calculator→
- 4How Much Do I Need To Retire?Retirement Number Planner→
- 5How Much Income Tax Will I Pay?Income Tax Estimator With Relief Stacking→
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Keep Your Numbers.
Build Your Next Step.
Come back to your numbers instead of starting over.
- Save your results and comparisons, private to you
- Build a plan with checklists and a printable action plan
- Grow Your Wealth: The Singapore Guide, a free short course
Free account · Tools stay free without an account.
Compare Before You Apply
See rewards, interest and fees for your own numbers.
What Could Your Spending Earn?
Enter your spending mix to compare estimated yearly rewards after the annual fee. Bonuses we have not modelled are not counted.
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