Basic calculators
Pick a calculator and change any number. The answer updates as you type.
Know where your money goes
- Budget split
Enter your monthly pay to split it into needs, wants and savings.
- Recurring cost
Enter a regular expense to see its long-run cost and the capital that would pay for it.
Build a safety net
- Emergency fund
Enter your monthly spending to see how much cash to keep and how long it takes to build.
Understand your CPF
- Early retirement
Enter your pay and the share you save to see how many years until you can stop working.
- What a dollar becomes
Enter your age and an amount to see what it is worth at retirement, at six rates of return.
Protect yourself
- Insurance cover
Enter your age, pay and spending to get starting figures for cover and what MediSave pays.
Save for the next few years
- Savings goal
Enter a target and a date to see how much to save each month.
- Loan repayment
Enter a loan to see the monthly repayment and the total interest.
- Flat-rate loan and EIR
Enter the flat rate from a car or personal loan advert to see the effective rate you pay.
Start investing
- Compound interest
Enter a monthly amount and a rate to see what your savings grow into.
- Time to a target
Enter a monthly amount and a target to see how many years it takes.
- Currency conversion cost
Enter your broker’s spread to see what currency conversion costs, per trade and over years.
Shape your portfolio
- Stocks and bonds split
Enter your age and balances to get a stocks and bonds split, with CPF counted as bonds.
Plan to stop work
- Financial independence
Enter your yearly spending to see the pot you need and the years it takes to save it.