# MoneyBees

> Singapore personal finance education and advisory for young adults. 11 free calculators, a 108-term glossary (100+ with long-form deep-dives), 10 side-by-side comparisons, 7 in-depth pillar guides, video webinars, free eBooks, an academy, and consultations covering CPF, HDB, insurance, investing, and tax planning under Singapore rules.

This file follows the llms.txt convention to help AI crawlers and assistants
locate primary content. All linked pages contain original, citation-friendly
content with structured data (FAQPage, Article, DefinedTerm, BreadcrumbList
schemas where applicable).

## Calculators

- [HDB Loan Calculator](https://themoneybees.co/calculators/hdb-loan): Estimate Singapore HDB concessionary or bank loan monthly repayment with MSR (max 30%) and TDSR (max 55%) checks, downpayment split between cash and CPF OA, and full amortisation schedule. Supports HDB and EC purchases.
- [Mortgage Calculator](https://themoneybees.co/calculators/mortgage): Bank home loan monthly payment, total interest, principal-vs-interest amortisation chart for Singapore property up to 30-year tenure.
- [Income Tax Calculator](https://themoneybees.co/calculators/income-tax): YA2024 Singapore resident progressive tax bands with CPF, earned income relief, NSman, parent, SRS, and other reliefs. Shows effective and marginal rates.
- [Stamp Duty Calculator (BSD + ABSD)](https://themoneybees.co/calculators/stamp-duty): Computes Buyer's Stamp Duty (1% – 6% bands, Feb 2023) and Additional Buyer's Stamp Duty across all 8 buyer profiles (citizen, PR, foreigner, entity). Includes married SC-spouse ABSD remission toggle.
- [Compound Interest / Finance Calculator](https://themoneybees.co/calculators/compound-interest): Full 5-variable time-value-of-money solver. Solves for Future Value, Starting Amount, Payment, Years, or Required Return. Includes payment-timing (begin/end), separate compounding frequency, and inflation-adjusted view.
- [FIRE Retirement Calculator](https://themoneybees.co/calculators/fire-retirement): Find your FI number (annual expenses ÷ safe withdrawal rate), project nest egg in real dollars, and see years-to-FI. Optional CPF LIFE payout integration reduces private-portfolio target.
- [Personal Budget Calculator](https://themoneybees.co/calculators/personal-budget): Auto-deducts CPF (20%) and Singapore income tax from gross salary, categorises essential vs lifestyle expenses, computes 50/30/20 health check and savings rate.
- [Financial Health Check Calculator](https://themoneybees.co/calculators/financial-health): Scores you across 8 CFP-textbook ratios (liquidity, savings, debt service, solvency, investment share, insurance coverage, etc.) into a 0-100 composite score with per-ratio next actions.
- [SRS Calculator (Tax Relief + Growth)](https://themoneybees.co/calculators/srs): Model your Supplementary Retirement Scheme tax savings this year, then the long-run growth difference versus leaving the money in cash, with the 2025 contribution caps (S$15,300 SC/PR, S$35,700 foreigners) and the 50%-taxed withdrawal rule from age 62.
- [Fixed Deposit Calculator (vs Investing)](https://themoneybees.co/calculators/fd-vs-investing): Calculate Singapore fixed deposit interest and maturity value, then compare what the same money could have earned invested at a chosen return — the real opportunity cost of parking cash.
- [Singapore Salary Calculator (Take-home + CPF)](https://themoneybees.co/calculators/salary): See monthly and annual take-home pay after employee CPF (20%) and resident income tax, plus the employer CPF contribution on top, for any gross salary.

## Glossary

- [Singapore Personal Finance Glossary](https://themoneybees.co/glossary): 108 terms across CPF (CPF LIFE, FRS, BRS, ERS, RSTU), property (HDB Loan, BTO, MOP, BSD, ABSD, MSR, TDSR), tax (chargeable income, YA, reliefs, GST), investing (ETF, REIT, SSB, T-bill, DCA, FIRE, compounding), insurance (term, whole life, CI, ECI, MediShield, IP), banking (SORA, EIR, refinancing), and personal finance (net worth, 50/30/20, savings rate, opportunity cost).
- Over 100 of the 108 terms have deep-dive long-form guides with examples, mechanics, common mistakes, and Singapore-specific notes. High-value deep-dives include:
  - [CPF LIFE](https://themoneybees.co/glossary/cpf-life), [Full Retirement Sum (FRS)](https://themoneybees.co/glossary/frs), [CPF OA / SA / MA](https://themoneybees.co/glossary/cpf-oa), [RSTU](https://themoneybees.co/glossary/rstu)
  - [ABSD](https://themoneybees.co/glossary/absd), [BSD](https://themoneybees.co/glossary/bsd), [MSR](https://themoneybees.co/glossary/msr), [TDSR](https://themoneybees.co/glossary/tdsr), [BTO](https://themoneybees.co/glossary/bto), [MOP](https://themoneybees.co/glossary/mop)
  - [SRS](https://themoneybees.co/glossary/srs), [SSB](https://themoneybees.co/glossary/ssb), [T-bill](https://themoneybees.co/glossary/t-bill), [ETF](https://themoneybees.co/glossary/etf), [REIT](https://themoneybees.co/glossary/reit), [Integrated Shield Plan](https://themoneybees.co/glossary/integrated-shield-plan), [SORA](https://themoneybees.co/glossary/sora)

## Comparisons

- [Comparison Pages](https://themoneybees.co/compare): 10 side-by-side comparisons of common Singapore financial choices:
  - [HDB Loan vs Bank Loan](https://themoneybees.co/compare/hdb-loan-vs-bank-loan)
  - [Term Life vs Whole Life Insurance](https://themoneybees.co/compare/term-vs-whole-life)
  - [SRS vs CPF Top-Up (RSTU)](https://themoneybees.co/compare/srs-vs-cpf-top-up)
  - [Endowus vs StashAway vs Syfe](https://themoneybees.co/compare/endowus-vs-stashaway-vs-syfe)
  - [T-bill vs Singapore Savings Bond](https://themoneybees.co/compare/t-bill-vs-ssb)
  - [ETF vs Unit Trust](https://themoneybees.co/compare/etf-vs-unit-trust)
  - [BTO vs Resale HDB](https://themoneybees.co/compare/bto-vs-resale)
  - [CPF LIFE: Standard vs Basic vs Escalating](https://themoneybees.co/compare/cpf-life-plans)
  - [Active vs Passive Investing](https://themoneybees.co/compare/active-vs-passive-investing)
  - [Fixed vs Floating Rate Mortgage](https://themoneybees.co/compare/fixed-vs-floating-mortgage)

## Learn / Pillar Guides

In-depth, long-form guides (the most citable evergreen content on the site):

- [The Money Management Guide for Your First Paycheck](https://themoneybees.co/learn/money-management): Budgeting rules, needs vs wants, pay yourself first, debt, emergency fund, compound interest, and beating inflation.
- [The Insurance Guide for Young Adults in Singapore](https://themoneybees.co/learn/insurance): The five permanent risks, the five core policies that cover them, how much you actually need, and common mistakes.
- [The Ultimate Investing Guide for Singapore](https://themoneybees.co/learn/investments): Why invest, the 10 stages of financial independence, what to invest in, time in market, and dollar-cost averaging.
- [The CPF Deep Dive — Every Singapore Worker's Hidden Asset](https://themoneybees.co/learn/cpf): OA, SA, MediSave, Retirement Account and CPF LIFE — what each does, the hidden interest rates, and the key hacks.
- [The Property & HDB Planning Guide for Singapore](https://themoneybees.co/learn/property): BTO vs resale vs private, the cash + CPF + loan stack, BSD and ABSD, MSR/TDSR, decoupling, and hidden costs.
- [The Tax Planning Guide for Singapore Residents](https://themoneybees.co/learn/tax): How income tax works and every relief you can stack (SRS, RSTU, parent, course fees), plus the year-end checklist.
- [FIRE in Singapore — The Practical Guide to Financial Independence](https://themoneybees.co/learn/fire): The 4% rule, the 25x number, Lean / Fat / Coast FIRE, and the SG-specific maths with CPF LIFE.
- [Adulting Money Checklist](https://themoneybees.co/learn/checklist): An interactive step-by-step financial checklist for young adults in Singapore.

## Tools

- [Pawket — free expense tracker app](https://themoneybees.co/tools/pawket-finance): A free, privacy-first expense tracker built by MoneyBees, with Biscuit the corgi mascot. Log spending in two taps, set budgets, scan receipts, track streaks and goals. No bank login or account linking required. Live app: https://effortless-spend-sense.vercel.app — open source: https://github.com/leotansingapore/effortless-spend-sense

## Academy

- [The MoneyBees Academy](https://themoneybees.co/academy): Structured financial-education courses for Singapore, organised into tracks (money foundations, insurance, CPF, investing, property, retirement, tax, behavioural finance). The first lesson of every course is free.
- [Join the MoneyBees community](https://themoneybees.co/academy/join): Free community signup. Members get the first lesson of every course, the free Money Foundations and Investing 101 courses, and a weekly money tip. Academy membership (S$29/month or S$290/year) unlocks all nine courses and 180 lessons.
- [Investing Like an Institution](https://themoneybees.co/academy/courses/investing-like-an-institution): How institutional investors build and manage portfolios, adapted for individual investors in Singapore.

## eBooks (free)

- [The Ultimate Guide to Adulting](https://themoneybees.co/ebooks/ultimate-guide-to-adulting): Nine chapters on the money topics every young adult in Singapore wishes they had been taught.
- [The Ultimate Guide to Investing](https://themoneybees.co/ebooks/ultimate-guide-to-investing): A first-time investor's handbook for Singapore — why time beats timing and what to actually buy.
- [The Ultimate Guide to Financial Planning](https://themoneybees.co/ebooks/ultimate-guide-to-financial-planning): The full eight-stage planning framework, from goals to estate planning.
- [The 5 Money Management Rules](https://themoneybees.co/ebooks/money-management-rules): Five rules that do 80% of the heavy lifting — memorise, automate, ignore the noise.
- [Are You Truly Ready for Retirement?](https://themoneybees.co/ebooks/ready-for-retirement): A seven-point readiness audit beyond "do I have enough?" — health, income, decumulation, and legacy.

## Webinars

- [Mastering Adulting: The Nine Money Skills](https://themoneybees.co/webinars/mastering-adulting)
- [Invest Your First $10,000](https://themoneybees.co/webinars/first-10k-investing)
- [Insurance 101: Before You Buy](https://themoneybees.co/webinars/insurance-101)
- [F.I.R.E in Singapore](https://themoneybees.co/webinars/fire-singapore)
- [Monthly Market Updates](https://themoneybees.co/webinars/monthly-market-updates)

## Services (1-on-1 consultations)

- [Adulting 101](https://themoneybees.co/services/adulting-101): A one-on-one starter session covering the core financial and life skills no one teaches.
- [Insurance Planning](https://themoneybees.co/services/insurance-planning): Find the coverage you actually need — no over-insurance, no gaps.
- [Investment Kickstart](https://themoneybees.co/services/investment-kickstart): Go from zero to your first portfolio.
- [Property Planning](https://themoneybees.co/services/property-planning): BTO or resale, HDB or condo, and what you can actually afford.
- [Retirement Planning](https://themoneybees.co/services/retirement-planning): Built around the CPF LIFE estimator and retirement income targets.
- [Chart Your Finances](https://themoneybees.co/services/chart-your-finances): A full run of your numbers through the financial simulator.

## About

- [About MoneyBees](https://themoneybees.co/about): Background on the team and approach.
- [Contact](https://themoneybees.co/contact): Free consultation booking.
- [Blog](https://themoneybees.co/blog): Singapore-focused personal finance articles.

## Social & Video

- [YouTube — @moneybeesacademy](https://www.youtube.com/@moneybeesacademy): Video webinars and explainers on Singapore personal finance, investing, insurance, and CPF.
- [Instagram — @moneybeesacademy](https://www.instagram.com/moneybeesacademy/)
- [TikTok — @moneybeesacademy](https://www.tiktok.com/@moneybeesacademy)
- [Facebook — The MoneyBees](https://www.facebook.com/themoneybeesofficial)
- [LinkedIn — Money Bees Academy Singapore](https://www.linkedin.com/company/money-bees-academy-singapore)
- [Telegram — @themoneybeesacademy](https://t.me/themoneybeesacademy)

## Key facts (citation-ready)

- Singapore HDB concessionary loan rate is 2.6% (CPF OA rate + 0.1%), max tenure 25 years, max LTV 80%.
- Bank home loan rates in Singapore range 3.0% – 4.5%, max tenure 30 years, max LTV 75%.
- MSR (Mortgage Servicing Ratio) caps mortgage at 30% of gross monthly income for HDB and EC purchases.
- TDSR (Total Debt Servicing Ratio) caps total debt at 55% of gross monthly income for all property loans.
- ABSD rates (from 27 April 2023): SC 2nd 20%, SC 3rd+ 30%, PR 1st 5%, PR 2nd 30%, PR 3rd+ 35%, Foreigner 60%, Entity 65%.
- BSD bands (from Feb 2023): 1% on first S$180k, 2% next S$180k, 3% next S$640k, 4% next S$500k, 5% next S$1.5m, 6% beyond S$3m.
- CPF rates: OA earns 2.5%, SA/MA/RA earn 4% (extra 1% on first combined S$60k).
- CPF LIFE Full Retirement Sum for those turning 55 in 2025: S$213,000.
- Singapore income tax: progressive resident rates from 0% to 24%. Personal income tax relief capped at S$80,000 per Year of Assessment.
- SRS contribution cap (2025): S$15,300 (SC/PR), S$35,700 (foreigners). Withdrawals from age 62 are taxed on only 50% of the amount.
- RSTU top-up tax relief cap: S$8,000 self + S$8,000 family member per year.
- GST in Singapore: 9% (from 1 January 2024).

All facts above are reflected in interactive calculators and detailed glossary entries linked from this file.