Mastering money the simple way

Free, no-login calculators built for everyday Singaporeans. Work out your CPF, home loan, income tax and savings in seconds.

Built and checked against CPF Board, IRAS, HDB, MAS and SGX. Always free, no sign-up.

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50/30/20 Budget

Split your pay the simple way.

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Emergency Fund

How big should your safety net be?

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Net Worth

Add it all up in one place.

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Savings Goal

Hit your target by when you want.

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Debt Payoff

Snowball or avalanche, see which clears faster.

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HDB / BTO Affordability

What flat can your income support?

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Home Loan

Your monthly repayment, instantly.

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Stamp Duty (BSD + ABSD)

Know the tax before you buy.

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Seller's Stamp Duty

Selling early? See what you owe.

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CPF Accrued Interest

How much CPF to refund when you sell.

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Car Affordability

Can you really afford that car?

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Car Total Cost

COE, ARF, road tax, the full picture.

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Compound Growth

Watch small sums grow over time.

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DCA Projector

Invest monthly, see the long game.

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SSB vs T-bill vs FD

Where should your spare cash sit?

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FIRE Number

How much you need to retire early.

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Inflation

What your money is worth later.

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Take-Home Pay

Salary after CPF, in seconds.

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Income Tax (IRAS)

Estimate your YA2026 bill.

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CPF LIFE Payout

Your retirement income, estimated.

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SRS Tax Relief

How much tax could you save?

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BTO Grants

See which grants you qualify for.

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Insurance Needs (DIME)

How much cover do you actually need?

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MediShield + IShield

Premiums by age, made clear.

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Toto Odds

The real odds, no hype.

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Trip Budget

Plan your holiday spend.

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Take-Home Pay

$4,000

Take-home 80%CPF 20%

Example: $5,000 salary, age 30

HDB Affordability

$560k

Cash + CPF 25%Loan 75%

Example: $7,000 household income

Income Tax YA2026

$3,350

Kept 96%Tax 4%

Example: $80,000 assessable income

From the blog

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HDB Loan vs Bank Loan: The Real Differences for Home Buyers

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Income Tax Basics for Singapore Residents: How the Brackets Work

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How CPF Contributions Affect Your Take-Home Pay

Why trust Hobo Finance

One Singaporean, doing the maths in the open. Every calculator shows how it works and links to the official source, so you can check it yourself. This is general information, not financial advice.

Official sources

CPF BoardIRASHDBMASSGXSingStat

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