Singapore Finance Calculators & Planning Tools
Free CPF, tax, mortgage and investment calculators for Singapore residents — fast, mobile-friendly, and built on the latest official figures.
Popular calculators
The tools Singapore residents reach for most.
CPF Contribution Calculator
Work out your monthly CPF contributions and the split across your OA, SA and MediSave accounts.
CPF Retirement Projection
Project your CPF balances to age 55 and see how they compare with the Basic, Full and Enhanced Retirement Sums.
Income Tax Calculator
Estimate your Singapore resident income tax payable, effective rate and marginal rate for the latest assessment year.
Take-Home Pay Calculator
Calculate your net salary after employee CPF and income tax — monthly and yearly.
Foreigner & Expat Take-Home Pay Calculator
Your real take-home pay and tax in Singapore as a foreigner, PR or citizen — foreigners pay no CPF.
Income Percentile Calculator
See how your salary compares to other Singaporeans by age and sex, and your estimated income percentile.
HDB Affordability Calculator
Estimate the HDB flat price and loan you can afford using MSR, TDSR and LTV limits.
Additional Buyer's Stamp Duty (ABSD) Calculator
Estimate ABSD based on your residency status and number of properties owned.
Mortgage Calculator
Calculate your monthly home loan repayment, total interest and full amortisation schedule.
Compound Interest Calculator
See how your investment grows over time with regular contributions and compounding returns.
FIRE Calculator
Find your FIRE number and the age you could reach financial independence in Singapore.
All tools by category
CPF Contribution Calculator
Work out your monthly CPF contributions and the split across your OA, SA and MediSave accounts.
CPF Retirement Projection
Project your CPF balances to age 55 and see how they compare with the Basic, Full and Enhanced Retirement Sums.
CPF LIFE Payout Estimator
Estimate your monthly CPF LIFE payouts from age 65 under the Standard, Basic and Escalating plans.
CPF OA-to-SA Transfer Calculator
See the extra lifetime interest from transferring CPF OA (2.5%) into your Special Account (4%).
CPF Shielding Calculator
Estimate the benefit of the CPF shielding strategy before your Retirement Account is formed at 55.
Income Tax Calculator
Estimate your Singapore resident income tax payable, effective rate and marginal rate for the latest assessment year.
Take-Home Pay Calculator
Calculate your net salary after employee CPF and income tax — monthly and yearly.
Foreigner & Expat Take-Home Pay Calculator
Your real take-home pay and tax in Singapore as a foreigner, PR or citizen — foreigners pay no CPF.
Tax Relief Optimizer
See which tax reliefs cut your bill the most under the $80,000 personal relief cap.
Bonus Tax Calculator
Find out how much of your bonus goes to tax and CPF, and what lands in your pocket.
RSU & Stock Comp Tax Calculator
Estimate the tax on RSUs and stock compensation taxed as employment income at vesting.
Income Percentile Calculator
See how your salary compares to other Singaporeans by age and sex, and your estimated income percentile.
HDB Affordability Calculator
Estimate the HDB flat price and loan you can afford using MSR, TDSR and LTV limits.
Condo Affordability Calculator
Work out the private condo price you can afford with TDSR and bank LTV limits.
Buyer's Stamp Duty (BSD) Calculator
Calculate Buyer's Stamp Duty on a Singapore residential or commercial property purchase.
Additional Buyer's Stamp Duty (ABSD) Calculator
Estimate ABSD based on your residency status and number of properties owned.
Seller's Stamp Duty (SSD) Calculator
Find out the Seller's Stamp Duty payable if you sell a Singapore residential property within the holding period.
TDSR Calculator
Check your Total Debt Servicing Ratio and the maximum home loan you can sustain at 55%.
Mortgage Calculator
Calculate your monthly home loan repayment, total interest and full amortisation schedule.
Mortgage Refinance Calculator
Compare your current home loan with a new package and see your monthly and lifetime savings.
Compound Interest Calculator
See how your investment grows over time with regular contributions and compounding returns.
FIRE Calculator
Find your FIRE number and the age you could reach financial independence in Singapore.
Dividend Income Calculator
Estimate your annual and monthly dividend income, with optional reinvestment growth.
Singapore Savings Bonds (SSB) Calculator
Calculate your SSB returns across the 10-year step-up interest schedule.
T-Bill Calculator
Work out the yield, price and return on a Singapore 6-month or 1-year Treasury Bill.
Dollar-Cost Averaging (DCA) Calculator
Project the growth of regular, fixed investments and compare with a lump-sum approach.
Portfolio Growth Simulator
Simulate a mixed stock/bond portfolio with your own allocation, returns and inflation.
Emergency Fund Calculator
Find your target emergency fund and how long it takes to get there, benchmarked to SG expenses.
Savings Goal Calculator
Plan how much to save each month — or how long it takes — to reach a savings goal.
Net Worth Calculator
Add up your assets and liabilities to track your net worth, with a breakdown chart.
Childcare Subsidy Calculator
Estimate your ECDA basic and additional childcare or infant-care subsidies by household income.
Baby Bonus & CDA Calculator
Add up your Baby Bonus Cash Gift, CDA First Step grant and government co-matching by birth order.
Education Fund Planner
Plan and project savings for your child's education against inflation-adjusted Singapore costs.
Plan your money with confidence
SG Finance Tools brings Singapore’s essential personal-finance calculators into one fast, free place. Whether you’re working out your CPF contributions, estimating your income tax, sizing up an HDB flat, or planning your path to financial independence, each tool is built specifically for Singapore’s rules.
Every calculation uses the latest official 2026 figures from IRAS, the CPF Board, HDB and MAS, with sensible defaults drawn from Singapore household data so you get a realistic starting point. Time-sensitive rates like SORA refresh automatically.
The tools are for education and general planning, not financial advice. For decisions that matter, always confirm the details with the official sources.
Frequently asked questions
Are these Singapore finance calculators free to use?
Yes. Every calculator on SG Finance Tools is completely free, with no sign-up required. They run entirely in your browser, so the numbers you enter never leave your device.
Which year’s rates do the calculators use?
They use the latest in-force 2026 figures from IRAS (income tax, stamp duty), the CPF Board (contribution and allocation rates, interest, retirement sums), HDB and MAS. Each tool shows the “as of” date for its key figures.
Is this financial advice?
No. These tools are for education and general planning only. They produce estimates, not advice — your actual figures depend on your circumstances and official rules. Always verify with IRAS, the CPF Board, HDB or your bank before making decisions.
How accurate are the results?
Calculations follow the official methodology (for example, the IRAS income-tax pipeline and CPF allocation rules) and are tested against published worked examples. Market-rate defaults such as SORA refresh automatically, but you should always confirm time-sensitive figures.