Budget calculators
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.
- Financial Health Check: Score your financial health across 8 ratios used by certified planners.
- Net Worth Calculator: Your net worth with CPF, split into money you can reach, CPF and home equity, with liquid net worth.
- 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.
- GST Voucher 2026 calculator: Check your 2026 GST Voucher cash, MediSave, U-Save and S&CC rebates, plus the Cost-of-Living Special Payment.
- Singapore electricity tariff calculator: 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.
- CDC Vouchers 2026 calculator and tracker: 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.
- Water bill calculator: Your monthly water bill on PUB's current water price: the tariff, Water Conservation Tax and Waterborne Tax per cubic metre.
- Singapore inflation rate calculator: Singapore's latest inflation rate (2.3% headline, 2.2% core in Aug 2026), whether your pay rise beat it.
- Lifestyle inflation calculator: Compare your pay and spending a few years ago with today: how much of your raise went to spending.
- Cash stuffing budget planner: Split your take-home into cash envelopes after bills and savings, see the weekly cash for each envelope.
- Streaming subscription cost calculator: Add up your streaming and other subscriptions: monthly and yearly plans, shared family plans, months you keep each.
- Grocery price calculator Singapore: Build your monthly grocery basket from SingStat's average prices, enter what you actually pay.
- Carbon footprint calculator Singapore: Work out your household's carbon emissions from electricity, town gas and driving with EMA's and NEA's official factors.
- Staycation vs overseas holiday calculator: Compare a Singapore staycation with a short trip abroad for the same nights, from your own prices: ++ hotel rates with service charge...
- ActiveSG vs gym membership calculator: 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.
- Zero-based budget calculator: Give every dollar of your take-home pay a job: start from salary after CPF, set aside your monthly income tax.
- Eating out vs cooking at home calculator: See what cooking at home saves you against eating out, from your own meal costs or SingStat's average hawker prices, per meal.
- Emergency fund calculator: Work out your emergency fund from your essential monthly spending on MoneySense's 3 to 6 months.
- Mobile and broadband plan calculator: Compare two mobile or broadband plans on their total cost over the same months, and see whether paying an early termination charge to...
Also useful
Guides and comparisons
Other calculator categories
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).