Plan a monthly budget, build an emergency fund and cut the bills that add up. Utilities, groceries, subscriptions, phone plans and government vouchers, in Singapore dollars.
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.
Open calculatorYour 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.
Open calculatorAllocate 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.
Open calculatorCheck 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.
Open calculatorEstimate 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.
Open calculatorTrack 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.
Open calculatorYour 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.
Open calculatorSingapore'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.
Open calculatorCompare 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.
Open calculatorSplit 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.
Open calculatorAdd up your streaming and other subscriptions: monthly and yearly plans, shared family plans, months you keep each, and the 9% GST on digital services.
Open calculatorBuild 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.
Open calculatorWork 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.
Open calculatorCompare 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.
Open calculatorCompare 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.
Open calculatorGive 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.
Open calculatorSee 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.
Open calculatorWork 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.
Open calculatorCompare 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.
Open calculatorWhat 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.
What SP Services actually is, the 2026 electricity, water and gas tariffs, the deposit you pay to open an account, the U-Save rebates that cut your bill, and how to pay less.
A single in Singapore spends roughly S$2,500-S$4,500 a month in 2026. Real rent, food, transport and utility numbers, plus the rebates that cut the bill.
A 2026 guide to the best budgeting app for Singapore: which ones make you plan ahead, what SGFinDex auto-syncs, and when YNAB's US$109 fee pays off.
Every Singaporean household gets $500 in CDC vouchers from 11 June 2026. Here is how the money splits, who qualifies, how to claim with Singpass, and where to spend before the deadline.
What renting actually costs in Singapore in 2026, from HDB rooms to condos, plus the stamp duty, deposit and tenancy rules that decide how much cash you part with.
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