Everyday Money
Work out take-home pay, a monthly budget and an emergency fund. Check subscriptions and which card to use.
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Make Everyday Money Work Harder
Pick the question that matters to you now. Some steps offer to reuse a number from an earlier step, in this browser tab only.
How Much Will I Take Home After CPF?
See what lands in your bank account after CPF.
Find Out →Is My Emergency Fund Big Enough?
Find how much cash to keep for a rainy day.
Find Out →Where Does My Cash Earn Most?
See which savings account could pay most on your balance.
Find Out →Want The Full Path, In Order?
Which Card Should I Use Here?
Which Card Here?
See which of your own miles or cashback cards earns the most on a purchase, with each card’s cap, minimum spend and payment rules.
Work Out My Number →Where Should My Spare Cash Earn Interest?
T-Bill Vs SSB Vs Fixed Deposit
Enter an amount, how long you can leave it and this month’s rates to see whether a T-bill, Singapore Savings Bond or fixed deposit earns most.
Work Out My Number →How Can I Free Up Cash Every Few Months?
T-Bill And Fixed Deposit Ladder
Enter a sum and how often you want money back. See a ladder of T-bills or fixed deposits, when each part matures and the interest it could earn.
Work Out My Number →How Much Do My Subscriptions Really Cost?
Subscription & GIRO Audit
Add each recurring charge, such as streaming, phone plan, gym or insurance paid by GIRO (automatic bank deduction), to see what they cost you each month and each year.
Work Out My Number →How Much Will I Take Home After CPF?
Salary After CPF Calculator
Enter your gross monthly salary, age and residency to see your take-home pay and how much you and your employer put into CPF each month.
Work Out My Number →How Should I Split My Pay Each Month?
Monthly Savings Split
Enter your take-home pay and fixed bills to see how much goes to needs, lifestyle and savings each month, using an editable 50/30/20 split.
Work Out My Number →Is My Emergency Fund Big Enough?
Emergency Fund Calculator
Enter your essential monthly spending and the cash you could use quickly to see how many months it covers and how long to reach your target.
Work Out My Number →Deals Worth Checking
Card, savings, broker and insurance promotions plus everyday savings, each checked on the provider’s own site and ordered by end date, never by payment.
See Current Deals →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.
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.
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.
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.
Free Money Checklist
Turn Your Money Goals Into Practical Steps
Build a cash buffer, review repeat costs and fit your next savings goal into your monthly plan.
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