Personal finance calculators

Your CPF deduction, your employer's share and the OA, SA/RA and MediSave split at 2026 rates, for citizens and PRs, with bonuses and CPF rounding.

What you owe on a CPF Education Loan when repayment starts a year after graduation, your monthly instalment over up to 12 years and the interest at 2.5% from the first fee deduction.

The 2.5% accrued interest on CPF used for your home, the full refund to your CPF when you sell, where it goes from age 55 and the cash you keep after the loan.

The MediSave you pay as a self-employed person on CPF's 2026 rates by age and net trade income, the S$12,000 to S$18,000 phase-in, the cap and the BHS overflow.

CPF on your bonus or AWS under the 2026 AW ceiling (S$102,000 minus salary subject to CPF), employee and employer shares by age, tax on the bonus and take-home.

How much more your CPF grows by 55 if you transfer OA savings to your SA: 4% instead of 2.5%, the effect on extra interest, the most you can move and the rules from 55.

How much CPF OA you can use for a home: the Valuation Limit, the 120% Withdrawal Limit with your BRS set aside, the lease-to-95 pro-rating, and the accrued interest refunded on sale.

Work out your room under the S$37,740 CPF Annual Limit, how a top-up to all three accounts splits by age, and the tax relief you get, compared with an RSTU top-up.

Work out how much of your CPF Ordinary Account you can invest under CPFIS: investible savings, the 35% stock limit, the 10% gold limit and the first S$20,000 you must keep, on CPF Board's method.

Compare investing your CPF Ordinary Account under CPFIS with the 2.5% it earns, after fees and agent bank charges, the return you need to match it, and how much of your OA you can invest.

See where your Special Account savings go when it closes at 55, how much moves to the OA at 2.5% instead of 4%, the interest difference over the years and what you could move to the RA.

CPF for a Singapore PR in the first and second year: graduated rates, full employer and graduated employee rates, the dates each applies and when full rates start.

Your monthly CPF LIFE payout from your RA at 55, on CPF Board's 2026 figures, with what deferring to 70 adds and the 2025 to 2027 retirement sums.

Tax saved by an SRS top-up up to the S$15,300 cap, the projected balance, and the tax when you withdraw from your penalty-free age of 62, 63 or 64.

Your FIRE number, years to reach it, Coast FIRE number and how long savings last, with CPF LIFE payouts and inflation built in.

The 2026 Basic, Full and Enhanced Retirement Sums, the CPF LIFE payout CPF Board gives for each, and what you can withdraw at 55 from your own OA and SA balances.

Tax on SRS withdrawals: 50% taxable from your penalty-free age of 62, 63 or 64 over up to 10 years, or fully taxed plus a 5% penalty if you withdraw early.

See what the HDB Lease Buyback Scheme gives you in 2026: the RA top-up each owner needs, cash of up to S$100,000, the LBS bonus and an estimate of your CPF LIFE payout.

See your Silver Housing Bonus for right-sizing to a 3-room or smaller flat at 55 or older: net sale proceeds, the up to S$60,000 RA commitment and the cash bonus of up to S$40,000.

Check if you qualify for the Matched Retirement Savings Scheme in 2026 and the grant on your cash top-up: up to S$2,000 a year, S$20,000 in a lifetime.

What your nominees get back from CPF LIFE if you pass away: the premium minus payouts received, by plan and age, and when the refund runs out.

How much more CPF you can withdraw at 55 by pledging your property and setting aside only the Basic Retirement Sum, and how much lower your CPF LIFE payouts will be.

Compare putting cash into SRS or topping up your CPF Special or Retirement Account: tax relief, value at 65, SRS withdrawal tax and the extra CPF LIFE payout for life.

Check which CPF rules let you set aside less than the Full Retirement Sum at 55, or none of it, and how much you could withdraw: property pledge, pension or annuity, medical grounds or the S$5,000.

Count down to the day your SRS withdrawals stop carrying the 5% penalty, at 62, 63 or 64 by your first contribution date, and see your 10-year withdrawal window.

Plan SRS withdrawals over the 10-year window: tax year by year with half of each withdrawal taxable, the S$40,000 tax-free amount and when to start.

Your YA2026 income tax from salary, bonus and itemised reliefs, with CPF relief worked out for you, the S$80,000 cap, and a YA2027 estimate.

Add or remove 9% GST, use the 9/109 tax fraction, total an invoice per line or on the subtotal as IRAS allows, and price a restaurant bill with service charge.

Work out withholding tax on payments to non-residents: IRAS rates by payment type or a treaty rate, gross-up when you bear the tax, the due date and late penalties.

Check your YA 2026 Parent Relief: S$9,000 or S$5,500 per parent, S$14,000 or S$10,000 with disability, the S$8,000 income test, sharing with siblings and the tax saved.

Your YA 2026 Earned Income Relief by age: S$1,000, S$6,000 or S$8,000 (S$4,000 to S$12,000 with a disability), capped at earned income, and the tax it saves.

The 250% IRAS deduction on donations to IPCs, the income tax it saves at your rate, the real cost of the gift and the 5-year carry-forward, outside the S$80,000 relief cap.

The duty and GST inside a beer, wine or spirits price on Singapore Customs' rates per litre of alcohol, and the tax on liquor you bring home above the duty-free allowance.

Your YA 2026 NSman relief: S$1,500 to S$5,000 for NSmen by NS activity and key appointment, S$750 for wives and parents, and the tax it saves.

Work out non-resident tax for YA2026: employment income at 15% or resident rates, whichever is higher, director's fees and rent at 24%, the 60-day exemption and what a resident would pay.

See the duty and GST inside a pack of cigarettes after Budget 2026's 20% rise (58.9 cents per gram of each stick), what a habit costs a year, and the tax on cigarettes you bring in.

Work out the tax you save on 2026 cash top-ups: up to S$8,000 for yourself and S$8,000 for family, only up to the S$220,400 FRS, with no relief on top-ups matched under MRSS.

Work out the income tax on gains from employee share options and share awards: the taxable gain on exercise or vesting, the extra tax at your top rate, deemed exercise for non-citizens leaving, and QEEBR deferral.

Work out the income tax you save by claiming professional body subscriptions as an IRAS employment expense, with the three conditions, where to claim and what the fees cost after tax.

Add up your YA2026 personal reliefs against the S$80,000 relief cap, see every IRAS relief and its limit, and what an SRS contribution or CPF cash top-up would still save you in tax.

Work out the extra electricity, phone and WiFi costs IRAS lets you claim when your employer requires you to work from home, and the tax the claim saves you.

Compare the true cost of renting versus buying over the years you'll stay: stamp duties, mortgage interest, upkeep, opportunity cost, and the equity you build, with a break-even year.

Estimate your HDB BTO, resale or condo renovation cost by size and scope, with a category-by-category breakdown, a realistic price range and a recommended contingency.

BSD band by band and ABSD for citizens, PRs, foreigners and entities, with joint buyers, married couple remission and the 14-day payment rule.

An interactive step-by-step Singapore renovation checklist, from budgeting and quotes through permits, hacking, carpentry and the final defects inspection. Progress saves automatically.

Work out Seller's Stamp Duty on a home or industrial property sold soon after purchase, with IRAS's 16% to 4% rates for homes bought from 4 Jul 2025 and the date SSD stops.

Work out your 2026 property tax from the Annual Value: owner-occupier and non-owner-occupier rates, the 2026 rebate for HDB flats and private homes, and GIRO instalments.

Stamp duty on a tenancy agreement: 0.4% of total rent for leases up to 4 years or of 4 times the average yearly rent beyond, the 14-day deadline and late penalties.

Singapore has no capital gains tax on property unless IRAS sees you as trading. Work out your net profit after BSD, ABSD, SSD, commission and interest, and your cash after the CPF refund.

Stamp duty on a shop, office, factory or warehouse: BSD at 1% to 5% on IRAS's rates, no ABSD, 9% GST, mortgage duty and Seller's Stamp Duty on industrial property sold within 3 years.

See what you pay at each stage of a new condo or EC under construction: the 5% booking fee, cash and CPF for the downpayment, bank disbursements and your instalment as the loan is drawn.

Work out your share of an en bloc sale by share value, strata area or a mix, less your loan, CPF refund with accrued interest and any SSD, and what your next home could cost.

Work out gross and net rental yield on a home you let out, after vacancy, property tax at non-owner-occupied rates, MCST, agent fees, insurance, repairs and mortgage interest, with the income tax on the rent.

Work out the BSD and any ABSD on the share transferred when you decouple a private home, SSD, legal fees and the CPF refund with accrued interest, against the ABSD saved on the next home.

Work out the home insurance cover you need: what HDB fire insurance or your condo's MCST policy already covers, the sum insured for renovation, furniture and belongings, and a landed home's rebuild cost on GIA's method.

Work out the cash from selling a condo or landed home after the bank loan and redemption penalty, the CPF refund with accrued interest, Seller's Stamp Duty, agent and legal fees.

Work out the legal fees and disbursements on top of a property price: HDB's own legal fees, SLA's registration and caveat fees, stamp and mortgage duty, and your lawyer's quote.

The cash you pay above the valuation for an HDB resale flat or private home, the loan and CPF on the lower of price or value, and stamp duty on the price.

What a home costs you each year to hold: loan interest, property tax, MCST or S&CC, insurance and CPF accrued interest, net of rent if you let it out.

Stamp duty and cash to buy a share of a home: BSD and ABSD on the share, the lower ABSD when you already own part of it, and the bank loan on the share.

Gross and net rental yield on a shop, office or industrial unit, with 10% property tax, non-residential BSD, GST on the price and rent, and loan interest.

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 the cash you need upfront.

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 time, lease and availability.

See which CPF housing grants you can get for a BTO or resale flat: EHG up to S$120,000 by income, the Family or Singles Grant, PHG and Step-Up Grant, on HDB's 2026 tables.

Estimate what your HDB flat could sell for from recent resale prices on data.gov.sg, by town, flat type, storey and remaining lease, with every comparable sale listed.

The resale levy to buy a second subsidised flat: fixed by your first flat type from S$15,000 to S$55,000, the pre-2006 percentage, ex-EC owners and payment from sale proceeds.

Every payment for a BTO flat from booking to keys: option fee, downpayment, stamp duty and legal fees at the Agreement for Lease and the balance at key collection, in cash and CPF.

Monthly S&CC for all 19 town councils by flat type, reduced or normal rate, and what you pay over FY2026 after the GST Voucher S&CC rebate of up to 3.5 months.

Work out the cash from selling your HDB flat after the loan, the CPF refund with accrued interest, the resale levy if you buy another subsidised flat, and agent and legal fees.

See HDB's fire insurance premium and sum insured for your flat type, whether you must buy it, and the cost over the rest of your HDB loan, with what it covers next to home insurance.

Work out your share of HDB's Home Improvement Programme cost by flat type and citizenship, for optional and EASE items, against the Government's share, with CPF or cash instalments.

Work out your monthly parking bill in Singapore from HDB's season parking rates by car park and tier, short-term charges by the minute with the S$12 and S$20 day caps, and the S$5 night cap.

Find the date your HDB flat or EC meets its Minimum Occupation Period, how long is left, and what you can do after it, for Standard, Plus, Prime, DBSS and EC homes.

Selling your HDB flat and buying a resale flat the same day: the cash and CPF your sale frees up, how much HDB makes you use, the HDB loan you need and the cash you keep.

Where a developer's deferred payment scheme still applies in Singapore, and how HDB's staggered and deferred downpayments move a new flat's payments from signing to key collection.

Estimate your HDB concessionary loan repayments, total interest, downpayment split, and MSR/TDSR position.

Monthly instalment on a bank home loan at today's 3M SORA or a fixed rate, with MAS LTV limits, cash downpayment and a TDSR and MSR check at 4%.

Check your TDSR and MSR with MAS's rules: the 55% and 30% limits, the 4% stress rate, haircuts on variable income and savings, and your maximum loan.

Compare an HDB loan at 2.6% with a bank loan on the same flat: instalment, total interest, 5% cash, LTV and MSR limits, and the rate after lock-in where the bank loses.

The bridging loan you need for your next home's down payment before your sale completes, interest over up to 6 months, and whether the sale cash repays it after CPF.

The longest home loan tenure you can take on an HDB or bank loan, how tenure changes your LTV under MAS rules, and what a longer loan costs in interest.

Work out how much cash you can borrow against your private home under MAS rules: 75% or 45% of the valuation less your loan and CPF used, whether TDSR applies, and the instalment.

Estimate the home loan a bank's in-principle approval could show from your income, debts and age under MAS's TDSR, MSR and LTV rules, with how long an IPA lasts and how it differs from HDB's HFE letter.

Work out the penalty and subsidy clawback for paying down your home loan early, the interest the prepayment saves, and whether to prepay now or after the lock-in, with what DBS, OCBC and UOB publish.

Work out IRAS mortgage duty on your home loan: 0.4% of the loan capped at S$500, who pays, the deadline, refinancing and extra loans, and the late penalty.

MAS bans interest-only loans for buying a home in Singapore, bridging loans aside. Compare interest-only with amortising repayment: monthly cost, interest, the balance still owed and the jump when interest-only ends.

Compare staying on your home loan, repricing with your bank or refinancing at 3M SORA plus a spread, after legal fees, mortgage duty, lock-in penalty and clawback, with the months to break even.

See how much of your monthly home loan instalment your CPF Ordinary Account covers as your OA share falls with age, the cash top-up when it falls short, and the accrued interest.

Estimate the true cost of a car in Singapore: the upfront cash, your monthly cost, and the 10-year total cost of ownership including depreciation, loan, road tax, insurance and petrol.

Work out the PARF and COE rebates you get when you deregister your car, with LTA's 2026 schedules, the S$60,000 and S$30,000 caps, and unused COE months counted LTA's way.

Find your bus or MRT fare by distance from PTC's fare tables, card or cash, for adults and every concession group, with the fares from 26 Dec 2026 and the monthly pass break-even.

Work out a car loan's monthly instalment, total interest and the EIR behind a flat rate, and check the MAS limit of 70% or 60% of the price by OMV, for up to 7 years.

Work out your car or motorcycle road tax from LTA's formulas: by cc for petrol and diesel, by kW plus the flat component for EVs, hybrids, and the surcharge after 10 years.

Add up ERP charges per trip, month and year from LTA's base rates with vehicle factors, plus when ERP is free, the admin charges and the ERP 2.0 dates.

Work out a car's Additional Registration Fee from its OMV on LTA's 100% to 320% tiers, with the 2026 VES band, the EEAI for electric cars, the S$5,000 minimum and the PARF you get back.

Your premium after the 10% to 50% No Claim Discount, where one claim leaves your NCD on GIA's scale, NCD Protector, and whether claiming costs more than the repair.

How much you can borrow for a used car under MAS's 70% or 60% limit on the age-adjusted OMV, the longest tenure your COE allows, and the instalment and EIR of a flat rate.

What it costs to settle a flat-rate car loan early under the Rule of 78: the interest rebate, your lender's settlement fees, the amount to pay today and the interest you save.

A balloon scheme car loan worked out: the lower monthly instalment, the lump sum due at the end, and the total interest and EIR against a normal car loan within MAS limits.

Latest COE prices for Cat A to E from LTA's results, price history since 2010, and how often recent exercises closed within your budget.

A motorcycle loan worked out: the monthly instalment, total interest and EIR from a flat rate, the latest Cat D COE, the bike's ARF and taxes, and why MAS car loan limits do not apply.

Work out the instalment, total interest and EIR on a van, lorry or bus loan from a flat rate, with the latest Cat C COE, a goods vehicle's 5% ARF and CVES, and why MAS's car loan limits do not apply.

Work out the most expensive car you can buy from the instalment you can pay and the cash you have, under MAS's 60% or 70% car loan limit and 7-year cap, and see how the instalment cuts the home loan you could get later.

Compare your monthly Grab, Gojek or other ride-hailing spend with the true monthly cost of owning a car in Singapore, with depreciation, loan interest, road tax, insurance and parking, and find the rides a month at which the car pays off.

Find your car's Vehicular Emissions Scheme band from its five pollutant readings, the 2026 or 2027 rebate or surcharge, the EEAI for electric cars and the ARF you pay.

What LTA pays back if you scrap or export your car now or later: the PARF and COE rebates year by year to 10 years, set against the car's OMV.

The EV Early Adoption Incentive on an electric car registered in 2026, 45% of ARF capped at S$7,500, with the VES rebate, and the extra ARF if you register in 2027.

Work out your yearly MediShield Life premium after Premium Subsidies by income per person and annual value, Merdeka or Pioneer subsidies and rebates, on the April 2025 tables.

Work out the monthly income you would need if you could not work, the gap after existing cover and CareShield Life, and whether savings last through the deferment period.

CareShield Life's S$689 to S$806 monthly payout by claim year, a supplement's payout on top, the gap to your care cost and the S$600 a year MediSave premium cap.

Split an Integrated Shield Plan premium into what MediSave pays and what you pay in cash: MediShield Life in full, the private part up to the Additional Withdrawal Limit, and riders in cash.

How much MediSave can pay for a hospital stay, operation or birth on MOH's 2026 limits, plus every outpatient limit from Flexi-MediSave to cancer drugs.

Home Protection Scheme cover for an HDB flat: your minimum share of cover, the sum assured, when cover ends and how many years you pay premiums, with CPF's own premium example.

Estimate a travel insurance payout from your own policy's figures: the loss after the excess and wear and tear, up to the benefit limit, or a delay benefit per hours, plus GIA's claim steps and FIDReC limits.

Compare buying term and investing the difference with a whole life policy on your own quotes: what the invested difference could grow to and the return it needs to match the policy's cash value.

Work out the critical illness lump sum you need from your income, recovery years and uncovered costs, your gap after existing cover, and how CI cover sits beside MediShield Life and CareShield Life.

Work out how much life insurance you need in Singapore: income for the years your family relies on it, debts, education and final costs, less existing cover, CPF DPS, HPS and savings. Needs-based, no products.

Work out what a pet insurance claim pays after the deductible, co-payment and annual limit, the vet bills at which the premium breaks even, and the cost of cover over the years.

Check your helper's insurance against MOM's S$60,000 medical and accident minimums, add up the yearly cost with the levy, and see what you pay on a hospital bill under the 25% employer co-payment.

See the cover your home loan needs each year, how reducing and level term cover track it from your own quotes, any gap, and where CPF's Home Protection Scheme fits for HDB flats.

How much MediSave pays for a chronic condition under CDMP: S$500 or S$700 a year, the 15% cash co-payment and Healthier SG waiver, Flexi-MediSave from 60 and 2027 limits.

Put a sum in a fixed deposit, then see what the same money would compound to in a diversified portfolio over the same years, net of inflation.

See what your savings grow to with compound interest and monthly top-ups, or solve for the payment, years or return you need. Compare CPF, SSB and T-bill rates.

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 rate will take, with interest and a projection.

Work out fixed deposit interest by tenor, compare up to 4 offers on a yearly basis, see what early withdrawal costs and check the latest T-bill and SSB rates.

Work out a REIT's distribution yield from DPU and unit price, your yearly payout, yield on cost and the price for a target yield, with MAS's 50% gearing limit and 1.5x interest cover floor.

See what an ETF's expense ratio, your platform fee and dividend withholding tax cost you in dollars over the years, and how US-domiciled (30%) and Ireland-domiciled (15%) funds compare.

Work out the full cost of an SGX trade: your broker's commission or minimum, SGX's 0.0075% trading and 0.0325% clearing fees, 9% GST, CDP vs custody, and the break-even on a buy and sell.

Work out your new average cost per share after buying more at a lower price, with fees counted, the shares needed to reach a target average and the rise you need to break even.

Compare reinvesting your dividends with taking them as cash over the years, from your own yield and price growth, with the ending value, cash collected and income each way.

Compare investing a sum all at once with spreading it over monthly buys on a price path you set, with the units bought, interest on cash waiting and which ends ahead.

See how far your portfolio has drifted from your target mix, the trades to get back on target or where to put new cash without selling, and what the trades cost on SGX.

Compare robo-advisor fees in dollars: management fee tiers plus the TER of the funds each platform holds, over the same plan and years, with MAS's licence check.

Compare an index fund and an actively managed fund on your own returns, TER and sales charge, see what the fees take, and the outperformance the active fund needs to break even.

See what a unit trust's sales charge, total expense ratio and platform or wrap fee take from your money over the years, with the fee ranges MoneySense publishes and the CPFIS fee caps.

Work out how many years your money takes to double with the rule of 72, next to the exact answer, with CPF interest rates and the latest T-bill and Savings Bond yields as examples.

Work out what one SGX board lot costs now that lots fall to 10 shares above S$10 and 1 share above S$100 from 5 Oct 2026, with fees as a share of a small trade.

Compare holding SGX shares in your own CDP account with a broker's custody account: custody, dividend and trade fees a year and over the years, against CDP's nil holding fee.

A wrap account's yearly % of assets against paying per trade with SGX fees and GST: which costs less, the break-even trades a year and the CPFIS 0.4% cap.

A REIT's price to NAV from its unit price and NAV per unit: the discount or premium, yield at the price and at NAV, and how gearing magnifies a change in valuations.

The yearly return (IRR) of a guaranteed savings plan from its benefit illustration, at maturity and if you surrender early, next to SSB, T-bill and CPF rates.

A REIT's gearing and interest cover against the MAS limits of 50% and 1.5 times, the debt headroom left and the fall in property values that hits the limit.

Year-by-year interest on the latest Singapore Savings Bond step-up rates from MAS, what you get back if you redeem early, and the latest T-bill for comparison.

Work out a Singapore T-bill's price, discount and yield from the latest MAS cut-off or your own, how much a competitive or non-competitive bid is allotted, and whether cash, SRS or CPF OA makes sense.

Compare what your money market fund would earn with the latest MAS T-bill cut-off yield over the same months, after fees, with the break-even fund yield, liquidity and SDIC cover side by side.

Work out an SGS bond's price from its yield or its yield from the price, the accrued interest you pay on top, and every coupon to maturity, with the latest MAS auction results.

Whether a T-bill bought with CPF OA savings beats 2.5% in the OA, after agent bank charges and the months of OA interest lost, with the cut-off needed to break even.

Work out a personal loan's monthly instalment, total interest and the EIR behind a flat rate, with the processing fee counted, and check the MAS borrowing limits for your income.

See how much you can borrow for renovation under MAS rules, the lower of 6 months' income or S$30,000 for up to 5 years, with the instalment, interest, EIR and cash gap.

Work out the cents per mile a redemption gets you, the miles your card earns on your spend, and the break-even against a cashback card.

Check if you qualify for a Debt Consolidation Plan under the ABS rules (income S$20,000 to S$120,000, debt over 12 times monthly income) and see the interest one DCP loan saves you.

What an overseas payment costs in SGD with your bank's 3.25% card fee, with DCC at the merchant's rate, or through a multi-currency account, per payment and per year.

Convert a flat interest rate to the effective interest rate (EIR) and back, with the monthly instalment, the total interest, what a processing fee adds and why the EIR is close to double.

How long a credit card balance takes to clear on the minimum payment, the interest at your card's rate, and how much a fixed monthly payment saves, with four banks' published rules.

Daily interest on an overdrawn balance or credit line at your bank's rate, the cost to clear it with the annual fee, and how it compares with a personal loan.

Turn your Credit Bureau Singapore score into its AA to HH risk grade and default probability, see what CBS says moves it, and check when enquiries, defaults and bankruptcy leave your report.

Compare a credit card 0% instalment payment plan with paying in full and with revolving the balance, work out the EIR of a processing fee, and see how much credit limit the plan holds.

Work out the instalment, interest, fees and EIR of a licensed moneylender loan, check it against the 4% a month and 10% fee caps, and see your borrowing limit and the cooling-off rule.

Compare a balance transfer's one-time fee with the interest of revolving card debt, see the fee's EIR worked the way banks publish it, and what you pay on any balance left after the 0% period.

Track your spend against your bank's published condition for waiving a credit card annual fee, with the fees and waiver rules eight cards publish on their own pages.

What your credit card points are worth in cents per point as cash rebates, vouchers or air miles, from your bank's catalogue, and the cashback rate your card really earns.

What a missed credit card payment costs in Singapore: the S$100 late fee, interest at the higher rate, your Credit Bureau record and the MAS 60-day rule.

Take-home pay after CPF and income tax on 2026 rates, for citizens, PRs and foreigners, with your employer's CPF, the OA/SA/MA split and a salary table.

Work out your 2026 Workfare Income Supplement by age and income, with the cash and CPF split, using CPF Board's own payout formula. Covers employees and the self-employed.

Work out overtime, rest day and public holiday pay under the Employment Act with MOM's formulas: 1.5x the hourly basic rate, the Part 4 salary limits and the 72-hour cap.

Check whether your job counts as a PMET under MOM's grouping and compare your gross pay with MOM's 2025 median for your occupation and age group.

Estimate your retrenchment benefit on MOM's norm of 2 weeks to 1 month of salary per year of service, your notice pay, the tax and CPF on each, and SkillsFuture Jobseeker Support.

Work out your SkillsFuture Mid-Career Training Allowance at 40+: 50% of income at S$300 to S$3,000 a month full-time, S$300 part-time, up to 24 months, and fees after the S$4,000 credit.

A part-timer's hourly and daily rate on MOM's formula, overtime past a full-timer's day at 1.5 times, rest day pay, and pro-rated annual leave, sick leave and public holidays in hours.

Your SkillsFuture Credit in 2026 (S$500, plus S$4,000 Mid-Career from 40), a course's fee after the 70% to 90% subsidy and GST, and the cash you still pay.

Work out your raise in percent, the extra take-home pay a month and a year after CPF and income tax, the real raise after inflation, and how a counter-offer compares.

Work out salary in lieu of notice on MOM's gross rate of pay, the notice you owe if your contract is silent, your final pay with unused leave, and the CPF and tax on notice pay.

Compare two job offers on a year's pay: basic salary, allowances, AWS and bonus after CPF and income tax on 2026 rules, with your commute and leave days counted.

Compare a full-time job with freelancing or delivery and ride-hail work on the same gross pay: CPF, MediSave, tax and paid leave, and the day rate you need to match the job.

Work out what a side hustle leaves you after expenses, the extra income tax on top of your salary, self-employed MediSave once profit passes S$6,000, and what you earn per hour.

See how many years a lower starting salary in a new career takes to catch up with your old path, the total pay given up, take-home after CPF and tax, and the CCP salary support your employer can get.

Convert an hourly rate into a daily, weekly, monthly and yearly salary, or back, on MOM's formulas, with the overtime rate, part-time status and take-home pay per hour.

Work out company tax at the 17% rate after the partial or start-up tax exemption, with the YA 2026 50% rebate and S$2,000 cash grant.

Compare up to three business loan offers on instalment, interest, fees and the true yearly rate, flat or reducing, with the 2026 Enterprise Financing Scheme limits and risk share.

PSG closed on 29 Sep 2026. Work out your grant for a digital solution under the EDGE Grant that replaced it: 50% for SMEs up to each activity's cost cap and S$30,000 a year, and your cash cost with GST.

Check SFEC eligibility and work out how much of a course or project the S$10,000 credit pays: 90% of out-of-pocket cost, S$7,000 cap on enterprise grants, 30 Nov 2026 expiry and the fresh credit from 1 Dec 2026.

Work out the Skills Development Levy for each employee (0.25% of wages, S$2 to S$11.25) and the full cost of a hire: salary, employer CPF by age, SDL and any S Pass or Work Permit levy.

Work out ACRA's fees to register and keep a sole proprietorship, partnership, LP, LLP or Pte Ltd: name application, registration, renewals, annual returns and late lodgement penalties.

Check whether you must register for GST under IRAS's S$1 million retrospective and prospective tests, by when to apply and when you start charging 9%, with the zero-rated exemption, voluntary and overseas vendor rules.

Compare minimum balances, fall-below fees and account fees for business current accounts at DBS, OCBC, UOB, Maybank and Standard Chartered, from each bank's own page, totalled for the balance you keep.

Compare the same business profit as a sole proprietor and a Pte Ltd: personal tax and MediSave against 17% corporate tax with exemptions, a director's salary with CPF, one-tier dividends and ACRA fees.

Work out the employer CPF you pay in 2026 and what IRAS pays back: the Senior Employment Credit, CPF Transition Offset, Enabling Employment Credit and Uplifting Employment Credit, by wage and age.

Compare co-working desks with leasing an office over the same months, from your own quotes: rent, fit-out, utilities, agent fee, IRAS lease stamp duty and reinstatement, and the team size where the office wins.

Compare a virtual office, a physical office and a home office on your own quotes: cost a month and over the years, cash up front, and the ACRA, HDB and URA address rules.

Work out the Enterprise Innovation Scheme's 400% deduction on R&D, IP, training, projects with polytechnics or AI adoption, the tax it saves at 17%, and whether the 20% cash payout is worth more.

EDG closed on 29 Sep 2026 and the EDGE Grant replaced it. Work out your grant for strategy, finance, product, overseas, green or standards projects, the S$100,000 yearly cap and your cash outlay.

What replacing someone who resigns costs your business, from agency fees to a new hire's slow start, against a raise or retention bonus with employer CPF and SDL.

The cash you need to start a business in Singapore: ACRA fees, fit-out, licences, rent and staff with employer CPF and SDL, for the months until it pays its way.

An interactive month-by-month Singapore wedding planning timeline, from booking the banquet to the tea ceremony and submitting your marriage cert. Your progress saves automatically.

Plan your Singapore wedding budget by category, banquet, gown, photography, customary costs, and see your real out-of-pocket cost after ang bao collection.

Work out your MOE tuition fee loan or HESL repayment at today's 2.6% rate. See the monthly instalment, total interest and payoff date for NUS, NTU and SMU fees.

Project your child's PSEA balance at 2.5% with the new S$10,000 top-up at 17, government matching and Edusave transfers, then see how many years of university fees it pays.

Compare the full cost of a local degree at NUS, NTU or SMU with studying overseas: tuition, living costs, visa and health surcharge, in Singapore dollars at today's exchange rate.

Turn the premiums and maturity values on your child's endowment plan illustration into a yearly return (IRR), then compare it with SSB, T-bills, the 2.5% CPF rate and an index fund.

Work out how much ang bao to give at a Singapore wedding in 2026: your seat's nett cost from the venue's price with service charge and GST, compared with 9 venues' published prices.

The lifetime cost of a dog or cat in Singapore: AVS licence fees, HDB rules and your own food, vet, grooming and insurance costs over the years you care for it.

Score your financial health across 8 ratios used by certified planners. Liquidity, savings rate, debt service, solvency, insurance coverage, with a composite score and prioritised actions.

Your net worth with CPF, split into money you can reach, CPF and home equity, with liquid net worth, debt-to-asset ratio and a saved history in your browser.

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 + investments). Auto-computes CPF and Singapore income tax.

Check your 2026 GST Voucher cash, MediSave, U-Save and S&CC rebates, plus the Cost-of-Living Special Payment, CDC Vouchers and Budget 2026 CPF top-up, with payout dates.

Estimate your monthly electricity bill at SP Group's Oct to Dec 2026 tariff of 31.16 cents per kWh with GST, from your kWh, home type or appliances, and compare a retailer's plan.

Track what is left of your CDC Vouchers: S$300 (January 2026) valid to 31 Dec 2026 and S$500 (June 2026) to 31 Dec 2027, split between hawkers and supermarkets.

Your monthly water bill on PUB's current water price: the tariff, Water Conservation Tax and Waterborne Tax per cubic metre, the higher rate above 40 m3, GST and U-Save.

Singapore's latest inflation rate (2.3% headline, 2.2% core in Aug 2026), whether your pay rise beat it, and your real salary in future years.

Compare your pay and spending a few years ago with today: how much of your raise went to spending, your spending growth against Singapore's CPI, your savings rate drift and the retirement cost.

Split your take-home into cash envelopes after bills and savings, see the weekly cash for each envelope, and roll leftovers into next month or sweep them to savings.

Add up your streaming and other subscriptions: monthly and yearly plans, shared family plans, months you keep each, and the 9% GST on digital services.

Build your monthly grocery basket from SingStat's average prices, enter what you actually pay, and see what the same basket could cost in a few years at Singapore's food inflation.

Work out your household's carbon emissions from electricity, town gas and driving with EMA's and NEA's official factors, against the average home of your type, priced at the S$45 carbon tax.

Compare a Singapore staycation with a short trip abroad for the same nights, from your own prices: ++ hotel rates with service charge and GST, flights with Changi's departure charges and the SAF levy, spending and insurance.

Compare a private gym membership with ActiveSG's S$2.50 gym entry, S$30 to S$300 passes and pools at your own number of visits, and see the visits a month at which each option pays off.

Give every dollar of your take-home pay a job: start from salary after CPF, set aside your monthly income tax, and assign the rest until S$0 is left.

See what cooking at home saves you against eating out, from your own meal costs or SingStat's average hawker prices, per meal, per year and over the years as prices rise.

Work out your emergency fund from your essential monthly spending on MoneySense's 3 to 6 months, see how long it lasts after a job loss with Jobseeker Support, and where SDIC insures it.

Compare two mobile or broadband plans on their total cost over the same months, and see whether paying an early termination charge to switch pays off, with IMDA's rules on those charges.