Free Personal Finance Calculators for Singapore

Free, accurate calculators built on current Singapore rules — CPF, HDB and bank loans, income tax, stamp duty, SRS, FIRE, and more. Browse every calculator below.

• Financial Health Check — Score your financial health across 8 ratios used by certified planners. Liquidity, savings rate, debt service, solvency, insurance…
• Personal Finance Calculator (1/3 Rule) — Allocate your take-home using the 1/3 rule: a third for today, a third for medium-term goals, a third for long-term security (insurance +…
• Compound Interest & Finance Calculator — Full TVM solver — solve for Future Value, Starting Amount, Payment, Years, or Required Return. Includes payment timing, compounding…
• HDB Loan Calculator — Estimate your HDB concessionary loan repayments, total interest, downpayment split, and MSR/TDSR position.
• Mortgage Calculator — Work out monthly instalments and total interest for a bank home loan with full amortisation schedule.
• Singapore Income Tax Calculator — Calculate your income tax payable as a Singapore tax resident at the current rates, with effective and marginal rate breakdown plus the…
• Stamp Duty Calculator (BSD + ABSD) — Calculate Buyer's Stamp Duty and Additional Buyer's Stamp Duty across all buyer profiles — citizens, PRs, foreigners, and entities.
• FIRE Retirement Calculator — Find your Financial Independence number, project your nest egg, and see how many years until you can retire on your own terms.
• SRS Tax Relief & Growth Calculator — Model your SRS tax savings this year, then see the long-run difference between leaving it as idle cash and investing it through a…
• Fixed Deposit Calculator (vs Investing) — Calculate your fixed deposit interest and maturity value — then see what the same money would compound to if invested in a diversified…
• Singapore Salary Calculator (Take-home + CPF) — See your monthly and annual take-home pay after CPF and tax, including the employer CPF most calculators hide. Then see what investing a…
• Net Worth Calculator — Add up everything you own (cash, CPF, investments, property) minus everything you owe, for an instant net-worth figure plus liquid net…
• CPF Contribution Calculator — See your monthly CPF: your share, your employer's share on top, and how it splits across OA, SA/RA and MediSave by age. Uses the 2026…
• CPF LIFE Payout Estimator — A rough estimate of your monthly CPF LIFE payout from age 65, based on your Retirement Account savings and plan. Links to the official CPF…
• Rent vs Buy Calculator (Singapore) — Compare the true cost of renting versus buying over the years you'll stay: stamp duties, mortgage interest, upkeep, opportunity cost, and…
• BTO / HDB Affordability Calculator — Work out how much HDB flat you can afford: your maximum HDB or bank loan, CPF-vs-cash downpayment, monthly repayment, MSR/TDSR limits and…
• Wedding Budget Calculator (Singapore) — Plan your Singapore wedding budget by category, banquet, gown, photography, customary costs, and see your real out-of-pocket cost after…
• Wedding Planning Checklist (Singapore) — An interactive month-by-month Singapore wedding planning timeline, from booking the banquet to the tea ceremony and submitting your…
• Renovation Cost Calculator (Singapore) — Estimate your HDB BTO, resale or condo renovation cost by size and scope, with a category-by-category breakdown, a realistic price range…
• Renovation Checklist (Singapore) — An interactive step-by-step Singapore renovation checklist, from budgeting and quotes through permits, hacking, carpentry and the final…
• Savings Goal Calculator — Work out how much to save each month to reach a goal like a home downpayment, wedding or emergency fund, or how long your current savings…
• Cost of Owning a Car in Singapore — Estimate the true cost of a car in Singapore: the upfront cash, your monthly cost, and the 10-year total cost of ownership including…
• BTO vs Resale HDB Calculator — Compare a BTO flat versus a resale HDB flat side by side, the CPF housing grants each gets, the net price, and the trade-offs in wait…