How We Calculate

S$220,400

The projection’s benchmark starts at the 2026 FRS, and you can change it. It shows the gap to the amount entered. It does not say whether you are on track, or forecast future retirement sums.

Used by: CPF Projection Calculator, CPF LIFE Payout Estimator

CPF Board — CPF retirement sums ↗

BRS S$110,200; ERS S$440,800

The CPF Projection shows which 2026 retirement sum its modelled Retirement Account at 55 reaches. It is not a forecast of your cohort's sums.

Used by: CPF Projection Calculator, CPF LIFE Payout Estimator

CPF Board — CPF retirement sums ↗

S$8,000 per month

The projection caps the monthly salary entered at this amount and does not model Additional Wages.

Used by: CPF Projection Calculator, Salary After CPF Calculator

CPF Board — Ordinary Wage ceiling ↗

37% total at age 55 and below; allocation changes by age band

The projection covers full-rate private-sector contributions before age 55, not graduated PR rates. Salary After CPF follows CPF Board's 2026 rounding sequence: total to nearest dollar, employee share down to dollars, employer share as the remainder. Rounding reviewed 11 September 2026. Age is age at last birthday: CPF Board applies the next age group’s contribution and allocation rates from the first day of the month after the 35th, 45th, 50th, 55th, 60th, 65th and 70th birthdays (checked 12 October 2026).

Used by: CPF Projection Calculator, Salary After CPF Calculator

CPF Board — contribution and allocation rates ↗
Additional official source ↗

OA 2.5%; SA and MA 4%; extra 1% on the first S$60,000 combined

Money paid in earns interest from the next model month. Housing withdrawals come out before money is paid in. Interest is added once per 12-month model year, not by exact calendar or birthday dates. To keep it simple, all extra interest goes to SA. MediSave is capped at the 2026 BHS (Basic Healthcare Sum) of S$79,000, held flat; the excess moves to SA up to the 2026 FRS, then to OA. Top-up limits are not modelled. We update this when CPF publishes new rates.

Used by: CPF Projection Calculator, CPF Vs Cash Mortgage Payoff

CPF Board — earning CPF interest ↗
Additional official source ↗

S$79,000 for members below 65 in 2026

The projection caps MediSave at this BHS and holds it flat to 55, although CPF raises it each year for members below 65. Below 55, MediSave above the BHS moves to SA until SA holds the current FRS, then to OA (CPF Board FAQ, updated 15 December 2025).

Used by: CPF Projection Calculator

CPF Board — 2026 Basic Healthcare Sum ↗
Additional official source ↗

S$950 at BRS, S$1,780 at FRS and S$3,440 at ERS from age 65

The estimator interpolates between the published points. Actual payouts depend on the member, plan, cohort and payout start age. CPF Board publishes this table for a male member only; no female table was published when checked on 30 September 2026, so the tools say so instead of estimating one. The CPF Top-Up Vs SRS Vs Invest tool reads the same table (RA at 65 column) to estimate the extra payout from a top-up at 55 to 64.

Used by: CPF LIFE Payout Estimator, CPF Projection Calculator, CPF Top-Up Vs SRS Vs Invest

CPF Board — monthly CPF payout reference table ↗

Up to S$8,000 for self and another S$8,000 across family members

Only qualifying cash top-ups receive relief. Account limits, recipient eligibility, MRSS treatment and the overall personal relief cap can reduce the allowable amount. Relief counts only for top-ups up to the current year’s Full Retirement Sum, even though from 55 the RA can be topped up to the Enhanced Retirement Sum; from 55 the comparison limits CPF relief to the FRS minus the RA balance entered (checked on cpf.gov.sg 12 October 2026).

Used by: CPF Top-Up Vs SRS Vs Invest, Tax Relief Finder

IRAS and CPF Board — CPF cash top-up relief ↗
Additional official source ↗

You enter returns, inflation, ages and the monthly income you need

The tool works through retirement cash flows year by year. It does not use a fixed withdrawal rate.

Used by: Retirement Number Planner

Visitor-supplied assumptions

S$15,300 for citizens/PRs; S$35,700 for foreigners

Relief is also subject to eligibility and the overall personal relief cap. Contributions must be made by 31 December (or your SRS operator’s earlier cut-off) to count for the next Year of Assessment.

Used by: SRS Optimiser, CPF Top-Up Vs SRS Vs Invest, Tax Relief Finder, Income Tax Estimator

IRAS — SRS contributions and tax relief ↗

Progressive rates from 0% to 24%

The calculators exclude one-off rebates unless a tool explicitly states otherwise.

Used by: SRS Optimiser, Income Tax Estimator, Side-Hustle Tax Tracker, CPF Top-Up Vs SRS Vs Invest, Tax Relief Finder, Freelancer Tax Pot

IRAS — individual income-tax rates ↗

Higher of a flat 15% or the progressive resident rates on employment income, with no personal reliefs; employment of 60 days or less in the year exempt (not for directors, public entertainers or professionals)

The Tax Estimator’s work-pass option covers employment income only, before rebates. Director’s fees and other non-resident income taxed at 24%, business-trip absences and treaty relief are not modelled. CPF relief is left out because work-pass holders pay no CPF.

Used by: Income Tax Estimator

IRAS — individual income-tax rates and working out my tax residency ↗
Additional official source ↗

Resident with 183 days or more in Singapore in the year; also under the two-year concession (job straddling two calendar years with a continuous stay of 183 days or more, not for directors, public entertainers or professionals), the three-year concession (three consecutive years), or a work pass valid for at least one year (reviewed at tax clearance)

A rough screen from the visitor’s own answers, not a ruling: IRAS decides residency. The estimator uses days in Singapore as days of employment for the 60-day test.

Used by: Income Tax Estimator

IRAS — working out my tax residency ↗

S$80,000 per Year of Assessment

The SRS Optimiser uses the relief room you enter. The Tax Estimator and Relief Finder apply the overall cap to the reliefs they include. Individual eligibility still applies.

Used by: Income Tax Estimator, SRS Optimiser, CPF Top-Up Vs SRS Vs Invest, Tax Relief Finder

IRAS — tax reliefs ↗

No contribution at S$6,000 or below; lower and phased bands to S$18,000; 8%–10.5% thereafter

The model rounds the contribution to the nearest dollar, uses the income year to pick the cap and excludes platform earnings reported separately by a platform operator. The YA 2026 table is on IRAS: https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/tax-reliefs-rebates-and-deductions/tax-reliefs/compulsory-and-voluntary-medisave-contributions

Used by: Side-Hustle Tax Tracker, Freelancer Tax Pot

CPF Board — 2026 MediSave rates for self-employed persons ↗

Standard: S$1,000 / S$6,000 / S$8,000 by age; disability: S$4,000 / S$10,000 / S$12,000

The allowable amount cannot exceed earned income, which includes net trade income. The finder uses the age, disability status and earned income you enter; the Side-Hustle Tax Tracker applies the standard amount to a fully self-employed person’s profit.

Used by: Tax Relief Finder, Side-Hustle Tax Tracker, Income Tax Estimator, Freelancer Tax Pot

IRAS — Earned Income Relief ↗

Full compulsory MediSave paid in the year, with no cap, from YA 2026

Relief is on MediSave paid during the income year, which is based on the previous year’s profit. The tracker assumes it matches the MediSave on this year’s profit. Voluntary CPF contributions have separate caps and are not modelled. The Freelancer Tax Pot applies the MediSave you enter as paid this year in full.

Used by: Side-Hustle Tax Tracker, Income Tax Estimator, Freelancer Tax Pot

IRAS — CPF relief for self-employed persons ↗

QCR S$4,000 per eligible child; Parent Relief S$9,000 same household or S$5,500 separate household

Eligibility, dependant income, support and sharing conditions apply. Disability relief values and WMCR (Working Mother’s Child Relief) are not modelled in this first version of the finder.

Used by: Tax Relief Finder

IRAS — child and parent reliefs ↗
IRAS — Parent Relief ↗

S$1,500 to S$5,000 according to NS activity and key-appointment status

The finder asks you to choose the self-relief amount that applies. NSman wife and parent reliefs are not modelled.

Used by: Tax Relief Finder

IRAS — NSman Relief ↗

Up to S$120,000; no modelled grant above S$9,000 household income

The calculator applies the family income tiers only (S$120,000 at S$1,500 or less, down to S$5,000 at S$8,501–9,000). It does not check first-timer, citizenship, employment-period, lease or property eligibility. HDB decides.

Used by: HDB Affordability Calculator, TDSR & MSR Borrowing Calculator, BTO Payment Timeline

HDB — Enhanced CPF Housing Grant schedule ↗
HDB — EHG amount table for families (PDF) ↗

Up to S$60,000 at S$750 or less, down to S$2,500 at S$4,251–4,500; none above S$4,500

Used for a first-timer single aged 35 or older (own income) and for a first-timer and second-timer couple (half the household income, per HDB's family page). Every band is exactly half the family table. Eligibility is decided by HDB.

Used by: HDB Affordability Calculator, BTO Payment Timeline

HDB — Enhanced CPF Housing Grant (Singles) ↗
HDB — EHG amount table for singles (PDF) ↗

First-timer families: S$80,000 (2- to 4-room) or S$50,000 (5-room or bigger); S$70,000 / S$40,000 for SC/SPR households; first-timer and second-timer couples S$40,000 / S$25,000; household income up to S$16,000

Resale flats only. The calculator shows the SC/SC amount and states the SC/SPR amount beside it. The S$24,000 ceiling for extended or multi-generation families is not modelled.

Used by: HDB Affordability Calculator

HDB — CPF Housing Grants for resale flats (Families) ↗

S$40,000 (2- to 4-room) or S$25,000 (5-room); income up to S$8,000 when buying alone

Resale flats only, for a first-timer citizen aged 35 or older. The S$16,000 ceiling when buying with parents or other singles is not modelled.

Used by: HDB Affordability Calculator

HDB — CPF Housing Grant for resale flats (Singles) ↗

Families: S$30,000 to live with parents or child, S$20,000 to live within 4km; singles: S$15,000 / S$10,000

Resale flats only, for households that have not had the PHG before. No income ceiling. Citizenship, age and proximity conditions apply.

Used by: HDB Affordability Calculator

HDB — Proximity Housing Grant (Families) ↗
HDB — Proximity Housing Grant (Singles) ↗

S$15,000; household income up to S$8,000

Only for second-timer families moving from a 2-room flat to a 3-room flat, or from a public rental flat to a 2-room or 3-room flat, where the next flat is a Standard flat or in a non-mature estate (new or resale). The calculator lists it as a possibility and states that condition.

Used by: HDB Affordability Calculator, BTO Payment Timeline

HDB — Step-Up CPF Housing Grant ↗

Monthly instalment up to 30% of monthly income

The calculator gives a rough affordability estimate. It is not an HDB Flat Eligibility (HFE) letter, which is HDB’s own check of your flat, grant and loan eligibility. HDB Affordability refuses an HDB loan tenure over 25 years; the 65-minus-age and lease limits are not modelled.

Used by: HDB Affordability Calculator

HDB — housing loan from HDB ↗

Average gross monthly household income up to S$16,000 for families (S$24,000 for extended families, with each family nucleus up to S$16,000); S$8,000 for a single under the Single Singapore Citizen scheme and S$16,000 under the Joint Singles Scheme

HDB Affordability uses S$8,000 for a single buying alone and S$16,000 for every other household; extended families are not modelled. Above the ceiling, the calculator says an HDB loan is not open to you and does not quote an HDB loan figure. HDB decides eligibility in the HFE letter.

Used by: HDB Affordability Calculator

HDB — Revised Income Ceilings For Citizen Families And Singles (Annex A, 22 August 2026) ↗

Total monthly debt commitments up to 55% of gross monthly income

The tool subtracts other monthly debt payments before estimating the mortgage payment available under TDSR.

Used by: TDSR & MSR Borrowing Calculator, Sell One Buy Two Calculator, Second Property: Singapore Vs Overseas

MoneySense — property borrowing limits ↗
MAS — MSR and TDSR rules ↗

At least 4% for financial-institution property loans; 3% for HDB loan eligibility

The borrowing calculators, including HDB Affordability, use your entered rate or the floor, whichever is higher. HDB Affordability also follows its loan type choice and its other-debts input for bank loans. Lenders still do their own credit assessment.

Used by: TDSR & MSR Borrowing Calculator, Sell One Buy Two Calculator, Second Property: Singapore Vs Overseas

HDB — sustainable property-market measures ↗
MAS — Calculating TDSR (medium-term interest rate) ↗

Up to 75%

Actual limits can be lower because of lease coverage, borrower history and lender assessment. A bank loan over 25 years on an HDB flat is capped at 55% (MAS); HDB Affordability applies this. The Upgrade Planner and Sell One Buy Two also apply the MAS age and tenure rules below.

Used by: HDB Affordability Calculator, HDB Upgrade Planner, Sell One Buy Two Calculator

HDB — 75% loan-to-value limit ↗

1%, 2%, 3%, 4%, 5% and 6% marginal bands

The upgrade tool models BSD only; it does not model ABSD. BSD and ABSD are rounded down to the dollar, as IRAS does.

Used by: HDB Upgrade Planner, Full Stamp Duty Calculator, Sell One Buy Two Calculator, Second Property: Singapore Vs Overseas, Rent Vs Buy Calculator, BTO Payment Timeline

IRAS — stamp-duty rates ↗
IRAS — Buyer’s Stamp Duty (bands and rounding) ↗

SC: 0% / 20% / 30%; SPR: 5% / 30% / 35%; foreigners: 60%

Second Property, Rent Vs Buy and Sell One Buy Two share one Buyer Residency / Homes Owned In Singapore setting. Homes overseas do not count. A joint purchase is charged at the highest rate that applies to any buyer. Remissions and refunds (such as a married couple selling their first home within six months), FTA treatment, trusts and entities are not applied.

Used by: Full Stamp Duty Calculator, Sell One Buy Two Calculator, Second Property: Singapore Vs Overseas, Rent Vs Buy Calculator

IRAS — Additional Buyer's Stamp Duty ↗

Tenure up to 35 years (30 for HDB flats). LTV 75% with 5% minimum cash, or 55% with 10% if the tenure is over 30 years (25 for HDB flats) or the loan runs past age 65. With one existing housing loan: 45% / 25%, with 25% minimum cash; two or more: 35% / 15%.

Joint borrowers use the income-weighted average age. We also shorten the tenure so the loan ends by age 75. That is a common bank limit, not a MAS rule, so your bank may differ.

Used by: HDB Upgrade Planner, Sell One Buy Two Calculator

MAS — loan tenure and loan-to-value limits ↗

16%, 12%, 8% or 4% if sold within 1, 2, 3 or 4 years; none after 4 years

Rent Vs Buy takes SSD off the sale when your stay is 4 years or less, on the home's value at the end. Homes bought before 4 July 2025 use the older 3-year rates.

Used by: Rent Vs Buy Calculator

IRAS — Seller's Stamp Duty for residential property ↗

S$500 (2-room Flexi), S$1,000 (3-room), S$2,000 (4-room and bigger); part of the downpayment; cannot be paid with CPF

The timeline shows the option fee as cash in the booking month and takes it off the downpayment due at signing.

Used by: BTO Payment Timeline

HDB — Booking of Flat ↗
CPF Board — option fee and housing expenses ↗

HDB loan: 10% at signing, 15% at keys. Bank loan (75%): 20% at signing (at least 5% cash), 5% at keys. Bank loan (55%): 20% (at least 10% cash), 25% at keys. Staggered and Deferred Income Assessment splits as HDB lists them

Staggered Downpayment Scheme: HDB loan 5% then 20%; bank 75% 10% (5% cash) then 15%; bank 55% 10% cash then 35%. Deferred Income Assessment (young couples, June 2024 exercise onwards): 2.5% at signing (cash for bank loans), then 22.5% (bank 75%: at least 2.5% cash) or 42.5% (bank 55%: at least 7.5% cash). Eligibility is HDB’s decision at booking; the tool lets you choose the split.

Used by: BTO Payment Timeline

HDB — Sign Agreement for Lease ↗

Stamp duty on the Agreement for Lease 1% / 2% / 3% / 4% bands; legal fee S$0.90, S$0.72 and S$0.60 per S$1,000, rounded up, plus GST, minimum S$21.80

Tested against HDB’s worked example (S$345,000 4-room: S$5,100 stamp duty, S$239.80 legal fee). With an HDB loan the tool adds HDB’s mortgage legal fee on the 75% loan. CPF OA can pay stamp duty and legal fees (CPF Board).

Used by: BTO Payment Timeline

HDB — Sign Agreement for Lease (stamp duty and legal fees) ↗
IRAS — current GST rate ↗

Survey fee S$163.50 to S$408.75 by flat type; S$38.30 Lease In-Escrow and S$38.30 Mortgage In-Escrow registration; Deed of Assignment stamp duty 0.4% of an HDB loan, up to S$500

Mortgage registration and Deed of Assignment stamp duty apply when HDB acts for you in an HDB loan. Resale levy, fire insurance and Home Protection Scheme premiums are left out. HDB loan instalments start on the first day of the second month after the loan is issued.

Used by: BTO Payment Timeline

HDB — Key Collection ↗

2.60% a year

Used as the default loan rate. Bank-loan users should enter their own quote.

Used by: BTO Payment Timeline

HDB — Interest rate for HDB housing loan ↗

75% (at least 5% cash), or 55% (at least 10% cash) if the tenure is over 25 years or runs past age 65

The BTO tool checks the tenure you enter against 25 years (75% bank loan or HDB loan) or 30 years (55% bank loan). HDB Affordability applies 55% to a bank loan over 25 years. Neither checks your age.

Used by: BTO Payment Timeline

MAS — loan tenure and loan-to-value limits ↗

EHG credited into CPF OA at key collection; CPF OA pays downpayment, stamp duty and legal fees

HDB’s pages allow a CPF housing grant to count towards the downpayment, but do not state the credit date for a new flat. Adding the grant at key collection is the cautious choice: it never makes the cash you need at signing look smaller. CPF interest and the Basic Retirement Sum rule for short-lease flats are not modelled.

Used by: BTO Payment Timeline

CPF Board — using your CPF to buy a home ↗

Up to 45%; minimum cash downpayment 25%

The limit can fall to 25% when loan tenure or borrower-age thresholds are exceeded. You can edit the LTV (loan-to-value limit) to use the figure in your IPA (in-principle approval).

Used by: Second Property: Singapore Vs Overseas

MoneySense — property borrowing limits ↗
MAS — loan tenure and loan-to-value limits ↗

Your own rates, costs and time periods

The site does not treat overseas taxes, property appreciation, rent growth or investment returns as fixed or forecast values.

Used by: Second Property: Singapore Vs Overseas, Rent Vs Buy Calculator

Visitor-supplied assumptions

HFE letter first (free, valid 9 months); sellers must have registered an Intent to Sell for more than 7 days; Option to Purchase valid 21 calendar days; HDB accepts a complete resale application within 28 working days; documents ready about 3 weeks after acceptance; approval about 2 weeks after endorsement and payment; completion about 8 weeks from acceptance at the earliest

Buyers no longer register an Intent to Buy; the HFE letter is the first step. Timings are HDB's typical service times, not guarantees.

Used by: Resale Flat Guide And Checklist

HDB — Overview of Resale Flat Buying Process ↗
HDB — HDB Flat Eligibility (HFE) letter ↗

Option Fee S$1 to S$1,000 when the OTP is granted; Option Exercise Fee such that both together do not exceed S$5,000; both are part of the resale price and paid in cash

The OTP expires at 4pm on the 21st day. If you let it expire, you lose the Option Fee.

Used by: Resale Flat Guide And Checklist

HDB — Option to Purchase when buying a resale flat ↗
HDB — Mode of financing for a resale flat ↗

Submit by the next working day after the Option Date if you use CPF or a housing loan; S$120 processing fee (including GST); outcome typically within 10 working days and valid for 3 months

The value sets the base for CPF use and the housing loan. You must wait for the outcome before you exercise the OTP. Cash-only buyers need not request it.

Used by: Resale Flat Guide And Checklist

HDB — Request for Value for a resale flat ↗

Price above HDB's valuation must be paid in cash; loans and CPF cannot cover it

Housing loans and CPF use are based on the lower of the resale price and the flat's value.

Used by: Resale Flat Guide And Checklist

CPF Board — Guide for first-time resale flat buyers ↗
HDB — Budget for a flat ↗

HDB loan (75% LTV): 25% of the lower of price or value, in cash and/or CPF OA. Bank loan at 75% LTV: 25%, at least 5% in cash. Bank loan at 55% LTV: 45%, at least 10% in cash

The HDB loan limit is pro-rated from 75% if the remaining lease does not cover the youngest buyer to age 95. HDB loan buyers may each keep up to S$20,000 in their CPF OA.

Used by: Resale Flat Guide And Checklist, HDB Affordability Calculator

HDB — Approval of resale flat application (initial payment) ↗
HDB — Mode of financing for a resale flat ↗

Resale application fee S$80 (S$40 for 1- and 2-room flats). HDB legal fee for the transfer: 13.5 cents per S$100 on the first S$30,000, 10.8 cents on the next S$30,000 and 9 cents on the rest, plus GST, minimum S$21.80. Stamp duty on the mortgage: 0.4% of the loan, up to S$500

Buyer's Stamp Duty is charged on the higher of the price and the market value. Fees differ if private solicitors act for you; SLA registration and caveat fees are extra.

Used by: Resale Flat Guide And Checklist

HDB — Approval of resale flat application (fees) ↗
HDB — Mode of financing for a resale flat ↗

5 years for unclassified and Standard flats; 10 years for Plus and Prime flats; counted from the legal completion date

During the MOP you cannot sell on the open market, rent out the whole flat or buy private property. Time you do not live in the flat does not count.

Used by: Resale Flat Guide And Checklist

HDB — Conditions after buying a resale flat ↗

Up to S$230,000: Enhanced CPF Housing Grant up to S$120,000, CPF Housing Grant (Family) up to S$80,000 and Proximity Housing Grant up to S$30,000

Resale buyers must qualify for the CPF Housing Grant (Family) before the EHG. The full EHG needs the lease to cover the youngest buyer to age 95. Amounts depend on income, flat size and citizenship; HDB decides.

Used by: Resale Flat Guide And Checklist, HDB Affordability Calculator

HDB — Enhanced CPF Housing Grant (Families) ↗
HDB MyNiceHome — How to buy a resale HDB flat ↗

Budget at least 10% extra for unexpected issues such as wiring and plumbing

A planning suggestion from CPF Board, not a rule. Renovation, furnishing and moving costs are paid in cash, so keep them out of the purchase budget.

Used by: Resale Flat Guide And Checklist

CPF Board — Guide for first-time resale flat buyers ↗

6-month (182-day) bills auctioned every two weeks and 1-year (364-day) bills about every three months; price = 100 × (1 − yield × days ÷ 365); bids from S$1,000 in S$1,000 steps; cash, SRS or CPF-OA (through a CPFIS agent bank)

The pricing formula matches MAS cut-off prices for BS26119F (1.92%, 99.043), BS26120W (1.90%, 99.053) and BY26102T (1.68%, 98.325). MAS says bank applications may close one to two business days before the auction; the tool shows DBS times (cash and CPF-OA 9pm one business day before, SRS 10am two business days before) and does not model public holidays. CPF-OA investing needs more than S$20,000 in the Ordinary Account (CPF Board). Example rates are past cut-offs, not offers.

Used by: T-Bill And Fixed Deposit Ladder

MAS — auctions and issuance calendar ↗
Additional official source ↗

2 cents per mile

Redemption value varies. The newer comparison page lets you enter your own value instead.

Used by: Credit Card Optimiser

User-value assumption

Editable 50% needs, 30% lifestyle and 20% savings starting point

The percentages are not a Singapore rule and may not suit households with high housing, caregiving or debt costs.

Used by: Monthly Savings Split

Editable budgeting convention

Your own essential spending, emergency cash, monthly contribution and target period

The calculator does not set one number of months for everyone. It does not count investments, credit limits or CPF as emergency cash.

Used by: Emergency Fund Calculator

Visitor-supplied assumptions

Principal-card fee including GST, free years, published automatic renewal waivers and the minimum income for Singapore Citizens and PRs, for all 55 compared cards (12 added and checked on 3 October 2026)

Rankings take off the yearly fee after any free years. An automatic waiver is applied only when your yearly spend meets the published amount; waivers on request are not assumed. DBS ended its Altitude, Woman’s World and Vantage spend waivers on 1 August 2026.

Used by: Credit Card Comparison

Each bank’s own card page (linked on every card) ↗

S$800 minimum spend, S$160 monthly cap; 6% dining, groceries, land transport and petrol; Watsons 3% until 31 March 2027; bills, streaming and EV charging 0.25%

DBS Vantage local spend also drops from 1.5 to 1.4 miles per S$1 on 2 November 2026 (DBS Vantage T&C, last updated 25 Sep 2026).

Used by: Credit Card Comparison, Which Card Here?

OCBC — 365 cashback T&C with effect from 1 Nov 2026 ↗

Rough yearly costs by age for a local, overseas or international-school path, which you can edit

These are broad planning allowances, not published fee schedules. You can change each yearly cost, add up to six children sharing one fund, and set inflation and investment return.

Used by: Kids' Education Cost Projector

Indicative model

Your own returns, contributions, fee rates and time periods

The Compound Growth Calculator treats your return as a nominal yearly rate compounded monthly: each month grows by the rate ÷ 12 (5% a year is about 5.12% effective), and you invest at the end of each month. Its low and high band use your return minus and plus 2 points. The optional inflation figure divides the end balance by (1 + inflation) to the power of the years, to show today’s dollars. Fees are simplified to yearly percentages. Neither tool shows an expected market return or recommends a product.

Used by: Compound Growth Calculator, Investment Fees Impact Calculator

Visitor-supplied assumptions

Your own portfolio value, yearly payout rate (distribution yield), tax withheld and income target

The calculator does not prefill or endorse a security, market yield or expected distribution.

Used by: Dividend Income Calculator

Visitor-supplied assumptions

Months = liquid assets ÷ (usual monthly spending − passive income). Levels: Safety Net (at least 6 months), Basics Covered (passive income covers essential spending), Work Optional (covers usual spending), Dream Funded (covers dream spending)

The levels are our own milestones, not an official measure. Each level counts only when every lower level is met. CPF and your home are not counted as liquid assets. Inflation, returns, losses, taxes and one-off costs are left out.

Used by: Months You Could Last Calculator

WealthMastery.sg’s own simple milestones

S$10,000 of play money, seven pre-set rounds, flat S$10 per buy or sell, made-up companies and funds

Price moves are set in advance and loosely inspired by past market episodes. They are the same for every player, have no chance element and do not predict real returns.

Used by: Stock Market Game

Stylised, fictional outcomes

Spreading money across many holdings lowers the risk of losing everything; a longer time frame helps ride out ups and downs; investing a fixed sum regularly avoids trying to time the market

The game's lessons on spreading risk, holding through drops and not timing the market follow this guidance.

Used by: Stock Market Game

MoneySense (MAS) — Managing Investment Risk ↗

“Pump and dump” schemes hype shares in social media and chat groups, urge people to buy now, then sell and let the price collapse

Used for the Hot Tip round's lesson. The game's company is made up.

Used by: Stock Market Game

Singapore Police Force — Pump And Dump Scam Advisory ↗

Published FX: IBKR 0.002% (min US$2), Saxo 0.25%, CMC Invest 0.20%, ProsperUs 0.5%; London buy commissions for ten platforms

Other platforms do not publish an FX markup, so the comparison uses your own FX estimate for them. London figures assume a UCITS ETF with no UK stamp duty.

Used by: Brokerage Comparison

Each platform’s own pricing page (linked on every platform) ↗

Endowus cash 0.60% below S$200k (CPF/SRS 0.40% multi-fund); Syfe 0.65% below S$50k, 0.55% from S$50k; StashAway 0.8% on the first S$25k stepping down to 0.2%; DBS digiPortfolio 0.75% plus GST; OCBC RoboInvest 0.88%

Fees are compared before GST and before fund or ETF expenses. MoneyOwl is listed without a rank. Minimums and CPF or SRS support we could not confirm say “check provider site”.

Used by: Robo-Advisor Comparison

Each provider’s own pricing page or FAQ (linked on every row) ↗

30% on US dividends paid to non-resident aliens (no US–Singapore income tax treaty); 15% on portfolio dividends under the US–Ireland treaty, Article 10(2)(b), claimed at fund level by an Ireland-domiciled UCITS fund

The same rates are used in every tool and guide, and an automated check keeps them matching. Whether a fund qualifies for the treaty rate depends on the fund. The model assumes a fund of US shares only, a steady yield and reinvested dividends.

Used by: ETF Dividend Withholding Tax Calculator

IRS — NRA Withholding ↗
Additional official source ↗

Unified rate schedule from 18% to 40% (Form 706 instructions, Table A) minus the US$13,000 unified credit, which removes tax on the first US$60,000 of US-situated assets; no US–Singapore estate tax treaty; US corporate stock is US-situated, non-US corporate stock is not

Approximate. The same figures are used in every tool and guide, and an automated check keeps them matching. Deductions, debts, prior gifts, valuation rules, state taxes and US assets other than shares are not modelled.

Used by: US Estate Tax Estimator

IRS — Instructions for Form 706-NA ↗
Additional official source ↗

Clearing fee 0.0325% and trading fee 0.0075% of traded value on each buy and sell, plus GST at 9%; no published cap applied

The same fees are used in every tool and guide, and an automated check keeps them matching. Structured warrants, daily leverage certificates and money market ETFs have lower SGX rates and are not modelled. Broker commission, minimums, platform fees and FX spreads are entered by the user. A S$600 clearing fee cap quoted by some third-party sites was not found on SGX pages and is not applied.

Used by: Trade Cost Calculator

SGX — Trading (Exchange Fees) ↗
Additional official source ↗

Gain needed = 1 ÷ (1 − loss) − 1; rebalancing trades = target share × (total + new cash) − current value, with a new-cash-only option that never sells; cost of waiting compares monthly investing from now and after a delay (rate ÷ 12 monthly); break-even win rate = net loss ÷ (net win + net loss); FIRE number = yearly spending ÷ withdrawal rate

Pure arithmetic on the user’s own inputs. Returns, withdrawal rates and trading averages are assumptions, not forecasts. The 4% withdrawal rate default is an assumption, not a rule.

Used by: Loss Recovery Calculator, Portfolio Rebalancing Calculator, Cost Of Waiting Calculator, Break-Even Win Rate And Expectancy Calculator, FIRE Age Calculator

MoneySense — Investment Risk ↗

Your own family needs and resources; income support shown as a range with the money earning 2% to 4% a year

The calculator adds up the needs you enter. Income support is today's value of the yearly income paid at the start of each year. A home loan share covered by HPS or a mortgage policy is taken out, because HPS pays the outstanding loan up to the insured sum. It does not set a cover multiple or recommend a policy.

Used by: Life Insurance Coverage Gap

CPF Board — Home Protection Scheme (HPS) ↗

Will maker 21 or older; two witnesses present together; marriage revokes a will. Without a will, spouse and children share half and half

The checklist only asks whether you have a will. It does not check whether a will is valid.

Used by: Legacy Checklist

Singapore Statutes Online — Intestate Succession Act 1967 (and Wills Act 1838) ↗

CPF savings are not covered by a will. Free online nomination with two Singpass witnesses; marriage revokes a nomination. Without one, savings go to the Public Trustee’s Office, which charges a fee

A nomination does not cover a home bought with CPF, Dependants’ Protection Scheme payouts or CPF Investment Scheme investments.

Used by: Legacy Checklist

CPF Board — Making a CPF nomination ↗

Form 1 free for Singapore Citizens from 1 April 2026; Form 2 drafted by a lawyer; certificate issuer is an accredited doctor, practising lawyer or registered psychiatrist

Certificate issuers charge their own fees. Fees for non-citizens and Form 2 were not confirmed from the official fee table.

Used by: Legacy Checklist

Office of the Public Guardian — What is an LPA ↗

ACP records care wishes (myACP or a facilitator). An AMD refuses extraordinary life-sustaining treatment if terminally ill and unable to communicate; signed before a doctor and one other witness; valid once registered

The checklist does not say whether an Advance Care Plan is legally binding.

Used by: Legacy Checklist

MOH — Advance Medical Directive and Advance Care Planning ↗

Trust nomination (Insurance Act 1966 s132, formerly s49L): spouse or children only, held in trust, outside the estate. Revocable nomination (s133, formerly s49M): anyone, changeable

Muslims are not barred from trust nominations (AMLA s111 leaves the Insurance Act untouched); MUIS treats a revocable nomination as a hibah.

Used by: Legacy Checklist

Singapore Statutes Online — Insurance Act 1966, Part 3C ↗

Joint tenants’ shares pass to the surviving owner; tenants-in-common shares pass by will or intestacy. A joint account’s survivor keeps access

Muslim owners are pointed to the Syariah Court or a lawyer, as the outcome can depend on the owners’ intention.

Used by: Legacy Checklist

HDB — Retain a flat following life events ↗

Estates follow faraid (AMLA ss111–112); the Syariah Court issues the Inheritance Certificate; a wasiat can give up to one-third, only to non-heirs

The one-third limit is MUIS guidance on Muslim law. The page points Muslim families to the Syariah Court, MUIS or a lawyer.

Used by: Legacy Checklist

Syariah Court — Inheritance ↗

Review at least once a year and after marriage, divorce or a birth

Guidance, not a legal requirement.

Used by: Legacy Checklist

MoneySense — Understanding estate planning ↗