Learn, then calculate
Singapore Money Guides
Understand your own numbers before you decide. Short, plain-English guides to Singapore money questions, each with the sources we checked.
64 guides
Start Here
Where Should I Start With CPF And Retirement Planning?
Where to start with CPF and retirement: plan your spending first, then match CPF, payouts and savings to when you can use each one.
Where Should I Start With Everyday Money In Singapore?
Where to start with everyday money: work from take-home pay, balance your month and build a cash buffer. Then look at card rewards and interest.
Where Should I Start When Buying A Home In Singapore?
Where to start when buying a home in Singapore: write down your purchase details, then check borrowing limits, stamp duty, cash and CPF.
Where Should I Start With Income Tax In Singapore?
Where to start with Singapore income tax: pick the Year of Assessment and the income it covers, then check reliefs before using a tax calculator.
Where Should I Start When Planning For Marriage, Children And Parents?
Plan your wedding, home, education and eldercare goals together. Give each an amount, a date and a source of money, without counting savings twice.
Where Should I Start With Investing In Singapore?
Start investing by setting a goal and a time frame. Then test your contributions, fees, income and lower returns before comparing products.
Where Should I Start With Insurance And Protection?
Start an insurance review by listing who depends on you, your debts and your policies before comparing cover or premiums. Includes a life-cover gap example.
CPF & Retirement Guides
How Much Do I Need To Save Each Month To Retire At 60?
See how spending, retirement age, returns and inflation add up to a monthly saving target, with a worked example of retiring at 60 from age 35.
How Much Will CPF LIFE Pay Me Each Month?
Read the published CPF LIFE payout reference, keep age-55 savings apart from age-65 income, and plan for the years before your monthly payouts start.
Should I Top Up My CPF, Contribute To SRS Or Invest?
Compare one amount as a CPF cash top-up, an SRS contribution or direct investing. Look past the tax saving to modelled value, access and withdrawal tax.
How Much CPF Will I Have At 55?
See what your CPF OA, SA and MA balances could be at 55, based on your salary and current balances, against a benchmark you choose.
How Much Tax Does An SRS Contribution Save?
Work out how much tax an SRS contribution saves after your other reliefs. The saving is a one-off tax cut, not an investment return.
Should I Use CPF Or Cash To Pay My Mortgage?
Compare paying your mortgage with CPF or cash by what the money you keep could earn. See why a CPF housing refund is not interest paid to the bank.
Already Retired In Singapore? How Can I Make My Money Last?
For people who have stopped work: when CPF LIFE pays, the government help you may get, steadier income, care costs, scams and the legacy basics, in plain words.
Everyday Money Guides
How Much CPF Is Deducted From My Salary In 2026?
See how much employee CPF comes off a S$5,000 monthly salary in 2026, why employer CPF is separate, and what to plan for before you budget.
How Do I Split My Salary Into A Monthly Budget?
Split your take-home pay into needs, lifestyle and savings. Start from an editable 50/30/20 split, worked through for a S$5,000 month.
How Much Emergency Fund Do I Need In Singapore?
Set an emergency fund target from your essential monthly expenses, see how many months your cash covers, and plan the monthly savings to close the gap.
How Do I Compare Credit Card Rewards On My Own Spending?
Sort your real monthly spending into categories, then compare card rewards using checked rules, caps and exclusions, not headline rates.
T-Bill Vs SSB Vs Fixed Deposit: How Do They Compare Over Your Timeline?
Compare T-bill, SSB and fixed deposit returns in dollars over the same period, and see why getting your cash out can matter more than the rate.
T-Bill And Fixed Deposit Ladder: How Can I Free Up Cash Every Few Months?
Split your cash into T-bills or fixed deposits that mature one after another, so part of it comes back on a steady schedule while the rest keeps earning.
How Much Do Your Subscriptions Really Cost A Year?
Add up your monthly and yearly subscriptions to see what they really cost a year, with an example and what to check before you cancel.
Which Of My Credit Cards Should I Use For This Purchase?
Before you pay, check how you pay, the merchant category and the monthly cap behind each bonus rate on the miles and cashback cards you hold.
How Can I Save On Parking In Singapore?
Stop paying more than you need to park: see when season parking beats paying per use, which hours are free or capped, and when the MRT costs less.
What Applies To My Money On A Work Pass In Singapore?
New to Singapore on an Employment Pass or S Pass? See how no CPF, tax residency, SRS, investing, health cover, housing and money sent home work for you.
How Can I Spend Less On Coffee And Eating Out?
Cut your coffee and lunch bill without giving up what you enjoy: kopi versus café maths, a workday food budget, budget meals and Starbucks Rewards.
How Can I Keep Fit For Less In Singapore?
Stay fit without a pricey contract: ActiveSG gym and pool prices and passes, free classes and park routes, cheaper sports gear and home workouts.
How Can I Plan Affordable Dates, Gifts And Staycations?
Spend on the moments that matter, not the price tag: free and cheap date ideas, group outings, staycation savings and a simple gift budget.
How Can I Set Up My Home For Less?
Furnish a flat, build a work-from-home desk and buy a computer without overspending, using second-hand finds, free repairs and the right service fees.
Housing & Property Guides
TDSR Vs MSR: How Much Can You Borrow On Your Salary?
See how TDSR and MSR cap your monthly home loan payment, with a worked S$8,000 income example and the bank checks this estimate leaves out.
How Much Stamp Duty Will I Pay On A Home In Singapore?
See how Buyer’s Stamp Duty and Additional Buyer’s Stamp Duty are worked out, with a S$1.5 million second-home example for a Singapore Citizen.
Is It Better To Rent Or Buy A Home In Singapore?
Compare renting and buying by net wealth (what you end up owning), not monthly payments, with a ten-year S$1.2 million home example.
Sell One Buy Two In Singapore: Is There Enough Cash For Both Homes?
Check whether sale money and savings cover two sole-name purchases, with a S$1 million sale example and why a CPF refund is not extra cash.
Second Property In Singapore Or Overseas: Which Needs More Cash Upfront?
Compare the upfront cash for a second property in Singapore and overseas, in Singapore dollars. A smaller deposit does not mean a better investment.
How Much HDB Flat Can I Afford On My Income And Savings?
Estimate a rough HDB flat budget from your income, cash and usable CPF, and see which housing grants you may qualify for.
How Much Cash Will I Have After Selling My HDB To Upgrade?
Follow your HDB sale money through the loan payoff and CPF refund to see how much cash you really have for your next home.
When Are BTO Payments Due, And How Much Must Be Cash?
See what you pay for a new HDB flat at booking, at signing and at key collection, and which parts CPF can cover.
Buying An HDB Resale Flat: What Will It Really Cost?
Know the real cost of an HDB resale flat before you pay the option fee: Cash-Over-Valuation, the 25% initial payment, loans, grants, stamp duty and fees.
Tax Guides
Which Tax Reliefs Should I Review In Singapore For YA 2026?
Review common YA 2026 personal tax reliefs such as Earned Income Relief and SRS without double counting, and see why relief differs from tax saved.
How Much Income Tax Will I Pay In Singapore For YA 2026?
Estimate your YA 2026 resident income tax on 2025 income, before rebates, by working through your income, eligible reliefs and chargeable income.
How Much Should I Set Aside For Tax And MediSave On Side-Hustle Income?
Estimate the extra income tax and self-employed MediSave on your side-business profit, and see how much cash to set aside each month.
How Much Should A Freelancer Set Aside From Each Invoice?
Work out how much of each invoice to keep for income tax and self-employed MediSave, and what your tax pot should hold by now.
Life Stages Guides
How Much Should We Save For A Wedding, Renovation And BTO?
Put your wedding, renovation and BTO cash goals into one savings plan and check if bills fall due before gifts arrive, with an 18-month example.
How Much Should I Save Each Month For My Child’s Education?
Work out a monthly savings target for one or more children’s education, using school costs you can edit, and see why bill timing matters.
How Much Does Eldercare Cost In Singapore After Subsidies?
Estimate the ongoing cost of a helper, senior daycare or nursing home after your subsidy, with a ten-year inflation example and the extras to add.
Single Parent In Singapore: How Can I Plan My Money For My Child And Me?
A practical plan for raising a child on one income: a bigger buffer, cover that fits, a named guardian, school costs, tax reliefs, housing and maintenance.
Investing Guides
How Much Could Investing Every Month Grow To Over 30 Years?
See how S$50,000 plus S$1,000 a month could grow over 30 years at an assumed 5% return, and how much is your money versus modelled growth.
How Much Do Investment Fees Cost You Over 20 Years?
Compare three annual fee levels on the same 20-year investment plan and see how a 0.25% versus 2.5% fee changes the ending balance.
How Much Dividend Income Could My Portfolio Pay Each Month?
Turn a portfolio’s distribution yield (yearly payout rate) into average monthly income, and see how much you need for S$2,000 a month.
How Many Months Could Your Savings Last Without Work?
Count your wealth in months: how long your cash and savings could pay for your life if you stopped working, and your next money level.
What Can A Stock Market Game Teach Me About Investing?
Play seven made-up market moments, from a sharp sell-off to a hot tip, and see the plain-English lesson behind each choice before you invest.
How Much US Dividend Tax Am I Losing On My ETFs?
Why US-domiciled ETFs lose 30% of dividends for Singapore investors, why Ireland-domiciled UCITS funds lose 15%, and when fees outweigh the saving.
How Much US Estate Tax Could My Family Owe On My US Shares?
Holding over US$60,000 of US shares or US-domiciled ETFs can leave your family a US estate tax bill at up to 40%. See how the rough maths works.
What Does A Share Trade Really Cost In Singapore?
Add up commission, minimum fees, SGX clearing and trading fees, GST and FX spreads for a buy and a sell, and see how far the price must rise just to break even.
How Much Must I Gain To Recover From A Loss?
A 40% fall needs a 67% gain to get back to where you started. See why losses and gains are not symmetrical and how long recovery could take.
How Do I Rebalance My Portfolio Back To My Target Mix?
Work out what to buy or sell to get your holdings back to the mix you chose, or how to use new cash to rebalance without selling.
What Does Waiting To Start Investing Cost Me?
Compare investing the same monthly amount now or a few years later, and see why the years you skip can cost far more than the money you did not put in.
What Win Rate Do I Need To Break Even On My Trades?
Work out the win rate your average win, average loss and costs need to break even, and what your numbers make or lose per 100 trades.
How Long Until I Can Retire Early With FIRE?
Work out your FIRE number from your spending and a withdrawal rate you choose, the age you could reach it and your Coast FIRE age.
What If I Invest S$500 Every Month?
See what S$500 a month could grow to over 10, 20 or 30 years at an assumed return, and open the compound growth calculator with your own numbers.
Insurance & Protection Guides
How Much Life Insurance Do I Need In Singapore?
Get a rough life insurance gap: add up income support, debts, education and final costs, then subtract savings set aside and cover you already have.
What Should I Sort Out So My Family Is Not Left Guessing?
The eight legacy steps for a Singapore family, from a will and CPF nomination to an LPA, with what happens if each one is missing.
Monthly Reviews
Dated rate snapshots. Each says what it covers and what we checked. These are not live rates.
T-Bill Yields In October 2026: What Can You Confirm Before Applying?
Our October 2026 T-bill snapshot: what a past auction result can and cannot tell you, and what to check before you apply.
Savings Account Rates In October 2026: What Should You Check?
Our October 2026 review of tiered savings account rates: how a S$100,000 balance earns interest, and which conditions to check.
Home Loan Rates In October 2026: What Should You Compare?
Our October 2026 snapshot of published DBS HDB home loan packages. It compares rate types, how long you commit and costs, not just headline rates.
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