Loan and credit card calculators
See what borrowing costs you in dollars and as an effective interest rate. Personal loans, balance transfers, credit card minimum payments, instalment plans and licensed moneylender caps.
- Singapore personal loan calculator: Work out a personal loan's monthly instalment, total interest and the EIR behind a flat rate, with the processing fee counted.
- Renovation loan calculator Singapore: 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.
- Miles calculator Singapore: 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.
- Debt Consolidation Plan calculator: 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)...
- Currency conversion fee calculator: What an overseas payment costs in SGD with your bank's 3.25% card fee, with DCC at the merchant's rate.
- Flat rate vs effective interest rate calculator: Convert a flat interest rate to the effective interest rate (EIR) and back, with the monthly instalment, the total interest.
- Credit card minimum payment calculator: How long a credit card balance takes to clear on the minimum payment, the interest at your card's rate.
- Overdraft interest calculator: Daily interest on an overdrawn balance or credit line at your bank's rate, the cost to clear it with the annual fee.
- Credit score checker: Turn your Credit Bureau Singapore score into its AA to HH risk grade and default probability, see what CBS says moves it.
- Instalment payment plan (IPP) calculator: 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.
- Licensed moneylender interest calculator: Work out the instalment, interest, fees and EIR of a licensed moneylender loan, check it against the 4% a month and 10% fee caps.
- Balance transfer calculator Singapore: 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.
- Credit card annual fee waiver tracker: Track your spend against your bank's published condition for waiving a credit card annual fee.
- Credit card points value calculator: What your credit card points are worth in cents per point as cash rebates, vouchers or air miles, from your bank's catalogue.
- Credit card late fee calculator: What a missed credit card payment costs in Singapore: the S$100 late fee, interest at the higher rate.
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