Find The Right Tool

Calculator

How Much Will My CPF Grow By 55?

CPF Projection Calculator

Enter your age, salary and CPF balances. See your estimated OA, SA and MA balances at 55, or at an age you choose, compare OA plus SA with a retirement-sum benchmark, and see a rough CPF LIFE payout from 65.

Calculator

How Much Tax Can SRS Save Me?

SRS Optimiser

SRS (Supplementary Retirement Scheme) is a voluntary retirement account that lowers your taxable income. Enter your income and this year’s contribution to see the tax you could save.

Calculator

Should I Pay My Home Loan With CPF Or Cash?

CPF Vs Cash Mortgage Payoff

Paying your home loan with CPF OA or cash? Enter your loan details to compare the wealth each path leaves you at the end of the loan, with a year-by-year chart.

Calculator

How Much Do I Need To Retire?

Retirement Number Planner

Enter your age, savings and the monthly income you want in retirement. See the savings pot you need, whether your current investing gets you there, and the earliest age it could.

Calculator

How Much Will CPF LIFE Pay Me Each Month?

CPF LIFE Payout Estimator

Enter your Retirement Account (RA) savings at 55. See an estimated monthly CPF LIFE payout for life, starting at 65 or 70.

Calculator

Should I Top Up CPF, Use SRS Or Invest?

CPF Top-Up Vs SRS Vs Invest

Enter one amount and your income. Compare what it could grow to as a CPF cash top-up, an SRS contribution or a direct investment, including the tax you save now.

Calculator

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.

Calculator

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.

Calculator

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.

Calculator

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.

Calculator

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.

Calculator

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.

Calculator

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.

Calculator

How Much HDB Flat Can I Afford?

HDB Affordability Calculator

Enter your household income, savings and loan choice to see an estimated HDB flat budget, the housing grants you may qualify for, and your budget with those grants.

Calculator

How Much Can I Borrow For A Home?

TDSR & MSR Borrowing Calculator

Enter each earner’s monthly income and other loan repayments to see the biggest home loan the TDSR and MSR limits allow.

Calculator

How Much Stamp Duty Will I Pay?

Full Stamp Duty Calculator

Enter the price, your residency and homes you own to see the Buyer’s Stamp Duty (BSD) and Additional Buyer’s Stamp Duty (ABSD) you would pay.

Calculator

Can We Sell One Home And Buy Two?

Sell One Buy Two Calculator

Enter your current home sale, your savings and the two homes you each want to buy. See whether the sale money and savings cover both upfront payments.

Calculator

Should My Second Property Be Here Or Overseas?

Second Property: Singapore Vs Overseas

Enter a second home in Singapore and one overseas (any country, using your own cost estimates). See how much upfront money each one needs.

Calculator

Is It Better To Rent Or Buy?

Rent Vs Buy Calculator

Enter a home price, similar-home rent and growth rates to see whether buying or renting leaves you wealthier, and when buying catches up.

Calculator

Can I Afford To Upgrade My Home?

HDB Upgrade Planner

Enter your flat sale, CPF used and the next home price. See your MOP countdown, what you could borrow at your age, and whether the sale covers the next home's upfront costs.

Calculator

When Are My BTO Payments Due?

BTO Payment Timeline

Enter your BTO flat, loan, savings and dates. See each payment by month, from the option fee to key collection, and how much must be cash.

Calculator

How Much Income Tax Will I Pay?

Income Tax Estimator With Relief Stacking

Enter your 2025 income and the tax reliefs you can claim. See your estimated income tax for YA 2026 (Year of Assessment 2026, which taxes 2025 income), before rebates.

Calculator

How Much Tax Do I Owe On My Side Hustle?

Side-Hustle Tax Tracker

Enter your day-job income and your side-hustle revenue and expenses. See the extra income tax and MediSave on your side profit, and how much to set aside each month.

Calculator

How Much Should I Set Aside From Each Invoice?

Freelancer Tax Pot

Enter each invoice as it comes in. See how much to keep aside for income tax and MediSave, and what your tax pot should hold now.

Calculator

Which Tax Reliefs Can I Claim?

Tax Relief Finder

Enter your income and answer a few questions about common YA 2026 tax reliefs. See which ones may apply and how much tax they could save.

Calculator

How Much Will Our Wedding, Reno And BTO Cost?

Wedding + Reno + BTO Planner

Enter your wedding, reno and BTO budgets, your savings and when each bill is due. See how much you need to save each month to pay every bill on time.

Calculator

How Much Will My Child's Education Cost?

Kids' Education Cost Projector

Enter each child's age, school path and what you have saved. See the total cost and how much to save each month until graduation.

Calculator

How Much Will Caring For My Parents Cost?

Eldercare & Helper Cost Calculator

Choose a helper, daycare or nursing home and enter the costs. See the monthly cost, the total over the years you plan for and each person’s share.

Calculator

How Much Could My Savings Grow?

Compound Growth Calculator

Enter what you have invested, what you add each month and an assumed return. See what it could grow to by a chosen age, with a year-by-year chart.

Calculator

How Much Will Fees Cost Me?

Investment Fees Impact Calculator

Enter what you invest and up to three yearly fees. See how much less you could end up with because of fees.

Calculator

How Much Dividend Income Could I Earn?

Dividend Income Calculator

Enter the monthly dividend income you want and what you have invested. See how far you are from that goal and how much more you would need to invest.

Calculator

How Many Months Could You Last?

Months You Could Last Calculator

Enter your cash and savings, spending and passive income to see how many months you could keep your lifestyle without working.

Calculator

How Much US Tax Am I Leaking On My ETFs?

ETF Dividend Withholding Tax Calculator

Compare a US-domiciled ETF (30% tax on dividends) with an Ireland-domiciled UCITS fund (15% at fund level), after each fund’s expense ratio, and see what you could keep.

Calculator

How Much US Estate Tax Could My Family Owe?

US Estate Tax Estimator

Enter the value of your US shares and US-domiciled ETFs. See the rough US estate tax your family could face above the US$60,000 exemption for non-US persons.

Calculator

What Does This Trade Really Cost Me?

Trade Cost Calculator

Enter a buy of SGX or US shares with your broker’s fees. See the full cost of buying and selling, and how far the price must rise just to break even.

Calculator

How Much Must I Gain To Recover A Loss?

Loss Recovery Calculator

Enter a fall in value. See the gain you need just to get back to where you started, and roughly how many years that could take at a return you choose.

Calculator

How Should I Rebalance My Portfolio?

Portfolio Rebalancing Calculator

Enter up to six holdings, their values and your own target mix. See what to buy or sell to get back on target, or how to rebalance with new cash only.

Calculator

What Does Waiting Cost Me?

Cost Of Waiting Calculator

Enter what you could invest each month, a return and your goal date. See how much less you could end up with if you start a few years later.

Calculator

What Win Rate Do I Need?

Break-Even Win Rate And Expectancy Calculator

Enter your average win, average loss, costs and win rate. See the win rate you need to break even and what your numbers make or lose per 100 trades.

Calculator

How Long Until I Can Retire Early?

FIRE Age Calculator

Enter what you have invested, what you add each month and what you would spend in retirement. See your FIRE number, the age you could reach it and your Coast FIRE age.

Calculator

Am I An Investor Or A Trader?

Stock Market Game

Play a 5-minute game with S$10,000 of play money. Make seven market choices and see what kind of investor you are.

Calculator

Do I Have Enough Life Insurance?

Life Insurance Coverage Gap

Enter what your family would need if you passed away, plus the savings, life cover and home loan cover you already have. See the range of the gap you may still need to cover.

Calculator

Have I Sorted My Will, Nominations And LPA?

Legacy Checklist

Tick the legacy steps you have done, from a will and CPF nomination to an LPA, and see what is still missing, with official links.

Comparison

Credit Cards

Enter what you spend each month. See which cards could give you the most cashback or miles after the annual fee.

Comparison

Savings Accounts

Enter your balance, salary and card spend. See the yearly interest each account could pay.

Comparison

Fixed Deposits & T-Bills

Enter your amount and term. See which fixed deposits pay the most, plus a past T-bill yield for reference.

Comparison

Brokerages

Enter your trade size and share price. See what one buy order costs on each platform, including changing your S$.

Comparison

Robo-Advisors & Auto-Invest

Enter how much you would invest and where the money comes from. See the yearly management fee on each robo-advisor.

Comparison

Home Loans

Enter your loan amount and tenure. See how much interest each package costs in the first three years.

Comparison

Personal & Renovation Loans

Enter how much you need and for how long. See the total interest and fees each bank loan could cost, worked out from the bank’s published EIR.

Comparison

Integrated Shield Premiums

Enter your age next birthday and ward class. See each Integrated Shield plan’s yearly premium from MOH’s tables, with the MediShield Life part and what MediSave can pay.

Comparison

Travel Insurance

Pick a trip. See what each insurer’s cheapest plan costs for it, from their own online quotes, with the main cover limits side by side.

Comparison

Maid Insurance

Pick a 26-month or 14-month package. See each insurer’s published price for a helper aged 50 or below, with the S$5,000 bond MOM requires included.

Comparison

Travel Money Cards

Pick the currency you will spend. See what S$1,000 of card spending overseas costs in fees on each travel card and multi-currency account.

Comparison

Sending Money Home

Pick a country and an amount. See how much arrives with each provider, counting both the transfer fee and the exchange-rate markup.

Deals

Deals Worth Checking

Money deals and everyday savings, each checked on the provider’s own site, with the key conditions and end dates up front.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.

Guide

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.