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Where Does My Money Stand?

Money Check-Up

Know where your money stands in 2 minutes: one score out of 100, eight pillar bars and the one change worth the most points.

Built on public rules of thumb from MoneySense, CPF Board, MAS and HDB, and scored the same way for everyone.

New to this? Read The Short Guide First →

Rules checked · Your answers stay on this device

1 Your Numbers

Your Free Money Check-Up

  • One score out of 100
  • The one change worth the most points
  • Your answers stay on your phone

Round numbers are fine. No sign-up needed.

About You

Four quick ones to set the scene.

You Are
Your Month

What comes in, what goes out, what you owe.

Everything you spend in a usual month, including rent or loan.

Savings you could use within a week: bank accounts, SSBs, T-bills maturing soon.

How You Pay For Housing

Car, personal or study loans. 0 is fine.

Do You Carry A Credit Card Balance Past The Due Date? No judgement. It’s the most common money leak in Singapore.
Your Future

Your CPF and investing. Skip CPF if it’s not handy; you can add it later.

Where Do I Find My CPF Balances?

Open the CPF app or cpf.gov.sg, sign in with Singpass and look at My Statement. Use your Ordinary Account (OA) and Special Account (SA) balances. From 55, use your Retirement Account (RA) in place of SA.

Do You Invest?
Your Total Yearly Fees, Roughly
Your Family

Who relies on you, and is the paperwork done?

Does Anyone Rely On Your Income? Kids, parents or a spouse.

From all your policies, including any from your employer. TPD is total and permanent disability.

Which Of These Are Done?

Not sure? Use a rough guess.

2 Your Result

Your Money Check-Up

Answer to see your score

Your Eight Pillars

Tap any pillar to see how it’s scored.

    Share Your Score

    Your share image shows your score and pillar bars only, never any S$ amounts.

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    Share Image

    The image is made on this device. Nothing is shared unless you choose.

    Ways To Lift Your Score

    One calculator or checklist for each pillar. Your weakest pillars come first after you see your score.

    Bonus win: see which tax reliefs might apply to you →

    Your answers and last score are kept only in this browser.

    How We Score

    Each pillar earns a share of its weight. Pillars that don’t apply to you are dropped and the score re-scales, so nobody loses points for being single or not having CPF. You need at least six pillars answered to get a score.

    How each pillar is scored
    PillarWhat We MeasureBenchmarkWeight
    Safety NetMonths your cash covers. 1 month = 20%, 3 months = 60%, 6 months = full marks.3 to 6 months of expenses (MoneySense)15
    Savings RateShare of take-home pay kept. 5% = 30%, 10% = 60%, 20% = full marks.Save at least 20% of take-home pay (MoneySense)15
    Debt LoadNon-housing repayments ÷ gross pay. 0% = full marks, 10% = 90%, 20% = 60%, 35% = 20%, 45% = 0. A carried card balance caps it at 40%.MAS TDSR limit of 55% for all debt, including housing; our bands are tighter because housing is scored separately15
    Housing CostHousing payment ÷ gross pay. 20% or less = full marks, 30% = 60%, 40% = 20%, 50% = 0.Mortgage Servicing Ratio limit of 30% for HDB flats and ECs (MAS)10
    Family ProtectionDeath and TPD cover ÷ 9 times yearly pay. Only if someone relies on your income.About 9 times annual income (MoneySense and MAS Basic Financial Planning Guide)15
    Paperwork ReadyWill, CPF nomination, LPA, insurance nominations (if you have cover) and records your family can find.MoneySense estate-planning steps10
    Retirement On TrackOA + SA projected to 55 ÷ the Full Retirement Sum (FRS) that year. Half the FRS = half marks. From 55: today’s balances ÷ this year’s FRS. Only with CPF.CPF Board FRS: S$220,400 in 2026 and S$228,200 in 2027, then our estimate of 3.5% a year12
    Investing HabitNot yet = 0, sometimes = 40%, every month = 75%, plus 25% for fees under 1% or 10% for 1–2%.Our own bands; no official benchmark8

    Bands: 0–39 Getting Started, 40–59 Building Up, 60–74 On Track, 75–89 Strong, 90–100 Thriving.

    What This Is And Isn’t

    What it is: a quick, honest snapshot of eight money habits, scored the same way for everyone, with the formulas shown. It gives you a way to track your own progress month by month.

    What it isn’t: advice on what to buy, a credit score, or a test you pass or fail. Two people with the same score can need different things. It doesn’t replace a full review of your situation, whether you do that yourself with our calculators or with an adviser you trust.

    What This Check-Up Assumes

    The Money Check-Up is general education, not financial advice. It compares the numbers you enter with public rules of thumb from MoneySense, CPF Board, MAS and HDB, using bands we set and show above. It doesn’t know your full situation and doesn’t recommend any product. Scores are approximate: the CPF part assumes your pay stays the same and the Full Retirement Sum rises about 3.5% a year. Your answers stay on this device unless you save them.

    3 What Next

    Read The GuideWhat Does My Money Check-Up Score Mean? →

    Before You Start

    Where Are My Answers Stored?

    Only in this browser on this device. Nothing is sent to WealthMastery.sg. Use Clear My Answers to remove them.

    Why Did A Pillar Drop Out?

    Family Protection only counts if someone relies on your income, and Retirement On Track only counts if you have CPF. When a pillar doesn’t apply, the score re-scales over the pillars that do.

    Is This Financial Advice?

    No. It is general education that compares your numbers with public rules of thumb. It never recommends a product.