Make Your Money Work Harder
Free, plain-English tools that run on your numbers, so you know what a decision means for you before you make it.
How much flat you can afford, whether to top up CPF, when you can stop working: some of your biggest money calls get made on a rule of thumb or a quick guess. You deserve better than a guess. Our free, plain-English tools run on your own numbers, so you can see what a decision means for you before you commit. No sign-up needed.
Free, with no sign-up. Type in your own numbers and see your answer straight away.
School teaches a lot, but rarely how to manage money, invest or plan ahead.
We're Calvin Woon and Patricia Lin. We met at the National University of Singapore (NUS), started our first online venture as students and grew it into a multi-million dollar business. We learned to manage our own money the practical way, and saw how few people are ever taught to.
So in 2012 we registered WealthMastery.sg with one aim: to give Singaporeans the practical money education school leaves out, through free tools, online guides and seminars.
The seminars took off first. Our investing seminars later grew into Wealth Mastery Asia, which runs our webinars and events across Asia.
We believe money know-how should be within everyone's reach, and that you decide better when you can see your own numbers. Now we're relaunching WealthMastery.sg to finish what we set out to build: a place where you can work out your own answers, free, before you make the call.
Tap what's on your mind. Each one opens a free calculator.
Whether or not you use an adviser, you should understand your own numbers. We give you the tools and plain-English know-how to do that.
We're not licensed financial advisers, and we don't sell you financial products. We may earn a fee from partner links. It never affects our calculations or rankings. We help you understand your own numbers.
Calvin and Patricia have invested in stocks, ETFs, property and crypto since 2012 and manage a combined seven-figure investment portfolio. They learned it as business owners and teachers, not in banking or insurance, which is why they believe you can learn it too. The tools here are the same kind of checks they run on their own money. Every rule comes from an official source, so you never have to take their word for it.
Co-Founder
Calvin co-founded Zion Global Marketing in 2009 and teaches digital marketing, e-commerce and business, training more than 10,000 people. In 2019 the company received The Straits Times' Distinguished Member of Singapore's Fastest Growing Companies award, and was profiled in the paper that February.
Co-Founder
Patricia co-founded Zion Global Marketing and teaches digital marketing, e-commerce and business. Over the past 14 years, the company has run more than 1,500 seminars and webinars, and its wealth seminars, led by expert partner speakers, have trained more than 50,000 people across Asia.
Who checks the maths? We do, against the official source. Every tool also shows its working, so you can check it too.
Our tools use official sources such as the CPF Board, IRAS, HDB and the Monetary Authority of Singapore (MAS).
Each tool page shows when we last checked its figures, and our guides are dated and corrected when the rules change.Example: the HDB Affordability Calculator uses HDB's grant amounts and income ceilings, checked on 30 September 2026.
Each tool shows what it assumes and what it leaves out, so you can see how we got your answer.
Recent Checks, From Our Methodology Page
| Rule | Official source | Checked |
|---|---|---|
| CPF retirement sums | CPF Board | 30 Sep 2026 |
| HDB housing grants | HDB | 30 Sep 2026 |
| Stamp duty rates | IRAS | 30 Sep 2026 |
Every calculation also has automated tests, and we rerun them whenever we change a formula.
We are not licensed financial advisers. The tools and guides are for education, so check the current rules with the official source before you decide.
Every calculator works without an account or a fee.
Each tool shows what it assumes and what it leaves out. We fix errors when you report them.
We show you the numbers and the trade-offs, and nobody can buy a higher ranking.
Your calculations run in your browser. Your calculator inputs are not sent to our analytics.
The tools are free, always. No sign-up and no fee.
Webinars are optional. They're run by Wealth Mastery Asia, our sister brand. Like WealthMastery.sg, it's run by our company, Zion Global Marketing Pte Ltd. Some sessions introduce paid programmes.
We may earn a fee from partner links. It never affects our calculations or rankings.
Your inputs and personal data are covered in our Privacy Notice.
Spotted an outdated rule, or a result you'd like explained? Got a money question you wish a tool could answer? Tell us. We read every message, and your questions help shape what we build next.
Please leave out account numbers and other sensitive details.
General information, not financial advice. Estimates depend on the assumptions shown with each tool. Check current rules with the relevant official source before you decide.
Free Course
Free · 10 Short Lessons
Ten short lessons on saving, protecting and growing your money in Singapore, each with a free tool to try.
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