{ "name": "Dollar Interest tools", "description": "Free Singapore money calculators. Each runs in the browser at its URL. Inputs can be pre-filled with query parameters named as listed, e.g. ?amount=400000&rate=2.6. Results are estimates for education, not financial advice.", "usage": "Free for people and AI assistants to use, link to and cite. Please link to the tool page and keep the \"estimate, not advice\" context.", "guide": "https://dollarinterest.com/llms.txt", "tools": [ { "slug": "cpf-contribution-calculator", "title": "CPF Contribution Calculator", "category": "CPF & Retirement", "description": "Work out employee and employer CPF contributions on a monthly wage for 2026 or 2027, and how the total is split between your OA, SA or RA and MediSave.", "url": "https://dollarinterest.com/tools/cpf-contribution-calculator", "exampleLink": "https://dollarinterest.com/tools/cpf-contribution-calculator?wage=5000", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "wage", "type": "number", "label": "Monthly wage before CPF", "default": "5000", "min": "0" }, { "name": "age", "type": "select", "label": "Your age", "options": [] }, { "name": "year", "type": "select", "label": "Rates for", "options": [] }, { "name": "status", "type": "select", "label": "Residency status", "options": [ "citizen", "pr1", "pr2" ] }, { "name": "frsMet", "type": "checkbox", "label": "I am above 55 and have already set aside my Full Retirement Sum in my Retirement Account", "default": "0" } ], "assumptions": [ "Covers private-sector employees paid a monthly wage. It works on Ordinary Wages only: bonuses and other Additional Wages have their own ceiling and are left out.", "Uses the CPF Board rate tables in force from 1 January 2026 and the published tables that take effect on 1 January 2027, when rates rise for employees aged above 55 to 65.", "For Permanent Residents in their first or second year, it uses the graduated employer and employee rates. If you and your employer have jointly applied to pay full rates, choose the citizen option.", "The split between accounts uses the CPF allocation ratios by age. CPF publishes one set of ratios by age, which this tool also applies to first- and second-year Permanent Residents. The split is rounded to the cent and may differ from your statement by a cent or two.", "Your age band changes on the first day of the month after your 35th, 45th, 50th, 55th, 60th, 65th or 70th birthday. Self-employed persons, platform workers and pensionable public officers follow different rules." ], "sources": [ { "title": "CPF Board: How much CPF contributions to pay", "url": "https://www.cpf.gov.sg/employer/employer-obligations/how-much-cpf-contributions-to-pay" }, { "title": "CPF Board: Contribution rate tables from 1 January 2026 (PDF)", "url": "https://www.cpf.gov.sg/content/dam/web/employer/employer-obligations/documents/CPFcontributionratesfrom1Jan2026.pdf" }, { "title": "CPF Board: Contribution rate tables from 1 January 2027 (PDF)", "url": "https://www.cpf.gov.sg/content/dam/web/employer/employer-obligations/documents/jan2027cpfcontributionrates.pdf" }, { "title": "CPF Board: New contribution rates for senior workers from 1 January 2027", "url": "https://www.cpf.gov.sg/employer/infohub/news/cpf-related-announcements/new-contribution-rates" }, { "title": "CPF Board: Allocation rates from 1 January 2026 (PDF)", "url": "https://www.cpf.gov.sg/content/dam/web/employer/employer-obligations/documents/CPFAllocationRatesfromJanuary2026.pdf" }, { "title": "CPF Board: Allocation rates from 1 January 2027 (PDF)", "url": "https://www.cpf.gov.sg/content/dam/web/employer/employer-obligations/documents/jan2027cpfallocationrates.pdf" }, { "title": "CPF Board: Official CPF contribution calculator", "url": "https://www.cpf.gov.sg/employer/tools-and-services/calculators/cpf-contribution-calculator" } ] }, { "slug": "gold-value-calculator", "title": "Gold Value Calculator", "category": "Investing & Gold", "description": "Find the melt value of gold bars, coins or 916 jewellery by weight (grams, tael or troy oz) and purity at a price you enter, plus a likely buy-back price.", "url": "https://dollarinterest.com/tools/gold-value-calculator", "exampleLink": "https://dollarinterest.com/tools/gold-value-calculator?weight=100&spot=5300&discount=3", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "weight", "type": "number", "label": "Weight", "default": "100", "min": "0" }, { "name": "unit", "type": "select", "label": "Unit", "options": [] }, { "name": "purity", "type": "select", "label": "Purity", "options": [] }, { "name": "spot", "type": "number", "label": "Gold price today", "default": "5300", "min": "0" }, { "name": "basis", "type": "select", "label": "Price is quoted", "options": [ "ozt", "g" ] }, { "name": "discount", "type": "number", "label": "Dealer's buy-back discount below this price", "default": "3", "min": "0", "max": "100" } ], "assumptions": [ "There is no live price feed. You type in today's gold price in Singapore dollars, from a dealer, bank or price page, per troy ounce or per gram of pure gold.", "Melt value is the pure gold content times that price. It ignores workmanship, design, brand, collector value and gemstones, which a buyer may not pay for.", "The buy-back figure is the melt value less the discount you enter. Real buy-back prices depend on the dealer, the item, its condition and paperwork; ask the dealer for a quote.", "The stamped purity is taken at face value. A dealer may test the item and pay on the purity it finds.", "Gold prices can fall as well as rise, and gold pays no interest. This is an estimate for education, not a valuation." ], "sources": [ { "title": "NIST: Precious metals conversion information (troy ounce = 31.1034768 g)", "url": "https://www.nist.gov/document/precious-metals-conversion-information-march2015pdf" }, { "title": "World Gold Council: About gold jewellery (carats and fineness)", "url": "https://www.gold.org/about-gold/about-gold-jewellery" }, { "title": "LBMA: LBMA Gold Price", "url": "https://www.lbma.org.uk/prices-and-data/lbma-gold-price/lbma-gold-price" }, { "title": "Weights and Measures Act 1975, Third Schedule (tahil = 37.7994 g)", "url": "https://sso.agc.gov.sg/Act/WMA1975?ProvIds=Sc3-" } ] }, { "slug": "money-clarity-check", "title": "Money Clarity Check", "category": "Protection & Planning", "description": "Answer 18 plain questions on cash flow, emergency fund, protection, CPF, goals and family paperwork. See a score per area. Free, private, no login.", "url": "https://dollarinterest.com/tools/money-clarity-check", "exampleLink": "https://dollarinterest.com/tools/money-clarity-check", "rulesLastChecked": "2026-11-13", "inputs": [], "assumptions": [ "This is a self-check written by our editors, not an official test and not a financial assessment. The questions are deliberately simple.", "Each \"Yes\" scores 2 points, \"Partly\" 1 and \"No\" 0. Every question carries the same weight, although in real life some matter far more than others for your situation.", "A low score in an area means \"look here first\", not \"buy something\". A high score does not mean everything is fine.", "The emergency fund question uses the MoneySense rule of thumb of at least three to six months of expenses.", "Your answers are not saved. If you close or refresh the page they are gone, so print the result if you want to keep it." ], "sources": [ { "title": "MoneySense: Basic Financial Planning Guide", "url": "https://www.moneysense.gov.sg/planning-your-finances-well/" }, { "title": "CPF Board: Making a CPF nomination", "url": "https://www.cpf.gov.sg/member/account-services/providing-for-your-loved-ones/making-a-cpf-nomination" }, { "title": "Office of the Public Guardian: Lasting Power of Attorney", "url": "https://www.msf.gov.sg/what-we-do/opg/lasting-power-of-attorney" } ] }, { "slug": "mortgage-repayment-calculator", "title": "Mortgage Repayment Calculator", "category": "Property & Home Loans", "description": "Work out the monthly instalment, total interest and balance by year for a Singapore HDB or bank home loan, with optional extra repayments. Free, no login.", "url": "https://dollarinterest.com/tools/mortgage-repayment-calculator", "exampleLink": "https://dollarinterest.com/tools/mortgage-repayment-calculator?amount=400000&rate=2.6&years=25", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "amount", "type": "number", "label": "Loan amount", "default": "400000", "min": "0" }, { "name": "rate", "type": "number", "label": "Interest rate", "default": "2.6", "min": "0", "max": "15" }, { "name": "years", "type": "number", "label": "Loan tenure", "default": "25", "min": "1", "max": "35" }, { "name": "extra", "type": "number", "label": "Extra repayment each month (optional)", "default": "0", "min": "0" } ], "assumptions": [ "Standard reducing-balance loan with equal monthly instalments and a rate that stays the same for the whole tenure. Real bank packages reprice, so treat the result as a snapshot at today's rate.", "The HDB housing loan rate shown as a preset is 0.1 percentage point above the CPF Ordinary Account rate. Check the current rate with HDB before relying on it.", "Excludes fees, fire and mortgage insurance, stamp duty and legal costs.", "Whether you can borrow this amount depends on loan-to-value limits, MSR and TDSR, which this tool does not test. Use the affordability calculator for that." ], "sources": [ { "title": "HDB: Housing loan from HDB", "url": "https://www.hdb.gov.sg/residential/buying-a-flat/financing-a-flat-purchase/housing-loan-from-hdb" }, { "title": "MAS: Rules for housing loans", "url": "https://www.mas.gov.sg/regulation/explainers/new-housing-loans/loan-tenure-and-loan-to-value-limits" } ] }, { "slug": "property-agent-commission-calculator", "title": "Property Agent Commission Calculator", "category": "For Property Agents & Advisers", "description": "Work out estate agent commission for a sale or rental in Singapore: GST, co-broke split, agency and agent share, and what the client pays. Free, no login.", "url": "https://dollarinterest.com/tools/property-agent-commission-calculator", "exampleLink": "https://dollarinterest.com/tools/property-agent-commission-calculator?price=800000&rent=3500&months=24", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "deal", "type": "select", "label": "Type of deal", "options": [ "sale", "rental" ] }, { "name": "price", "type": "number", "label": "Transacted price", "default": "800000", "min": "0" }, { "name": "rent", "type": "number", "label": "Monthly rent", "default": "3500", "min": "0" }, { "name": "months", "type": "number", "label": "Lease length", "default": "24", "min": "1", "max": "120" }, { "name": "basis", "type": "select", "label": "How the commission is set", "options": [ "rate", "fixed" ] }, { "name": "pct", "type": "number", "label": "Commission, % of price", "default": "2", "min": "0", "max": "20" }, { "name": "cmonths", "type": "number", "label": "Commission, months of rent", "default": "1", "min": "0", "max": "12" }, { "name": "fixed", "type": "number", "label": "Fixed commission", "default": "10000", "min": "0" }, { "name": "gst", "type": "checkbox", "label": "The estate agency is GST-registered (add % GST)", "default": "1" }, { "name": "cobroke", "type": "number", "label": "Co-broke share to the other agency", "default": "0", "min": "0", "max": "100" }, { "name": "split", "type": "number", "label": "Agent's share of what the agency keeps", "default": "80", "min": "0", "max": "100" } ], "assumptions": [ "Commission is negotiable. The Council for Estate Agencies (CEA) says there are no fixed commission rates and no prescribed guidelines. The starting figures in this tool are placeholders to be replaced with the rate actually agreed, not a suggested or market rate.", "GST of 9% (the rate since 1 January 2024) is added only if the estate agency is GST-registered. The commission you enter is treated as the amount before GST.", "The co-broke share and the agent's split are both worked out on the commission before GST. GST collected is passed to IRAS and is not income for the agency or the agent.", "Commission is paid to the estate agency, not to the individual agent. An agent may not collect commission from more than one party in the same transaction.", "Ignores the agent's income tax, agency fees, marketing costs and any tiered or capped split in the agent's agreement with the agency." ], "sources": [ { "title": "CEA: Buying or selling (commission is not fixed; check if GST is payable)", "url": "https://www.cea.gov.sg/consumers/engaging-a-property-agent/buying-or-selling/" }, { "title": "IRAS: Current GST rates", "url": "https://www.iras.gov.sg/taxes/goods-services-tax-(gst)/basics-of-gst/current-gst-rates" } ] }, { "slug": "income-tax-calculator", "title": "Singapore Income Tax Calculator", "category": "Everyday Money", "description": "Estimate Singapore resident income tax for YA 2026 or YA 2027: common reliefs with the $80,000 cap, chargeable income, tax by band and your effective rate.", "url": "https://dollarinterest.com/tools/income-tax-calculator", "exampleLink": "https://dollarinterest.com/tools/income-tax-calculator?age=35&salary=72000&bonus=6000", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "year", "type": "select", "label": "Income earned in", "options": [ "2026", "2025" ] }, { "name": "age", "type": "number", "label": "Your age at 31 Dec of that year", "default": "35", "min": "16", "max": "100" }, { "name": "status", "type": "select", "label": "Status", "options": [ "sc", "foreigner" ] }, { "name": "salary", "type": "number", "label": "Salary for the year", "default": "72000", "min": "0" }, { "name": "bonus", "type": "number", "label": "Bonus for the year", "default": "6000", "min": "0" }, { "name": "other", "type": "number", "label": "Other taxable income", "default": "0", "min": "0" }, { "name": "donate", "type": "number", "label": "Donation deduction", "default": "0", "min": "0" }, { "name": "autoCpf", "type": "checkbox", "label": "Work out my employee CPF for me", "default": "1" }, { "name": "cpfManual", "type": "number", "label": "Employee CPF, if you prefer to type it", "default": "0", "min": "0" }, { "name": "topSelf", "type": "number", "label": "CPF cash top-up, own account", "default": "0", "min": "0" }, { "name": "topFamily", "type": "number", "label": "CPF cash top-up, family", "default": "0", "min": "0" }, { "name": "srs", "type": "number", "label": "SRS contribution", "default": "0", "min": "0" }, { "name": "spouse", "type": "checkbox", "label": "Spouse relief ($): my spouse earned $ or less", "default": "0" }, { "name": "children", "type": "number", "label": "Children you claim child relief for", "default": "0", "min": "0", "max": "10" }, { "name": "parentsIn", "type": "number", "label": "Parents living with you", "default": "0", "min": "0", "max": "2" }, { "name": "parentsOut", "type": "number", "label": "Parents not living with you", "default": "0", "min": "0", "max": "2" }, { "name": "nsman", "type": "select", "label": "NSman relief", "options": [ "none", "base", "active", "key", "keyActive" ] }, { "name": "otherRelief", "type": "number", "label": "Other reliefs", "default": "0", "min": "0" }, { "name": "ptr", "type": "number", "label": "Parenthood tax rebate to use (optional)", "default": "0", "min": "0" } ], "assumptions": [ "For Singapore tax residents only. Non-residents are taxed differently and get no personal reliefs.", "Uses the resident rates that IRAS lists as applying from YA 2024 onwards. No personal income tax rebate has been announced for YA 2026 or YA 2027, so none is applied; if one is announced later, your actual bill will be lower.", "Relief amounts are those IRAS publishes for YA 2026, assumed unchanged for YA 2027. Each relief has conditions (for example, a spouse, child or parent must not earn more than $8,000 a year) that this tool cannot check for you.", "The automatic CPF figure assumes a Singapore citizen or PR from the third year, paid the same salary for 12 months, with the bonus paid in one month. If yours differs, switch it off and type the employee CPF shown on your payslips or IR8A.", "Course fees relief lapsed from YA 2026 and is not included. Working mother's child relief, life insurance relief, disability-related reliefs and others can be entered in \"Other reliefs\".", "The Year of Assessment bill is worked out by IRAS from what your employer reports and what you claim. Treat this as an estimate." ], "sources": [ { "title": "IRAS: Individual income tax rates", "url": "https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/tax-residency-and-tax-rates/individual-income-tax-rates" }, { "title": "IRAS: Tax reliefs (list, $80,000 cap, lapsed reliefs)", "url": "https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/tax-reliefs-rebates-and-deductions/tax-reliefs" }, { "title": "IRAS: Sample income tax calculations", "url": "https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/tax-residency-and-tax-rates/sample-income-tax-calculations" }, { "title": "IRAS: Earned income relief", "url": "https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/tax-reliefs-rebates-and-deductions/tax-reliefs/earned-income-relief" }, { "title": "IRAS: CPF relief for employees", "url": "https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/tax-reliefs-rebates-and-deductions/tax-reliefs/central-provident-fund(cpf)-relief-for-employees" }, { "title": "IRAS: CPF cash top-up relief", "url": "https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/tax-reliefs-rebates-and-deductions/tax-reliefs/central-provident-fund-(cpf)-cash-top-up-relief" }, { "title": "IRAS: SRS contributions and tax relief", "url": "https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/special-tax-schemes/srs-contributions" }, { "title": "IRAS: Parent relief", "url": "https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/tax-reliefs-rebates-and-deductions/tax-reliefs/parent-relief-parent-relief-(disability)" }, { "title": "IRAS: NSman relief", "url": "https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/tax-reliefs-rebates-and-deductions/tax-reliefs/nsman-relief-(self-wife-and-parent)" }, { "title": "CPF Board: How much CPF contributions to pay", "url": "https://www.cpf.gov.sg/employer/employer-obligations/how-much-cpf-contributions-to-pay" } ] }, { "slug": "cpf-interest-projector", "title": "CPF Interest Projector", "category": "CPF & Retirement", "description": "Project your CPF OA, SA or RA and MediSave balances year by year using current CPF interest rates and the extra interest rules. Free, no login.", "url": "https://dollarinterest.com/tools/cpf-interest-projector", "exampleLink": "https://dollarinterest.com/tools/cpf-interest-projector?age=40&years=15&oa=80000", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "age", "type": "number", "label": "Your age", "default": "40", "min": "16", "max": "95" }, { "name": "years", "type": "number", "label": "Years to project", "default": "15", "min": "1", "max": "50" }, { "name": "oa", "type": "number", "label": "Ordinary Account balance", "default": "80000", "min": "0" }, { "name": "sara", "type": "number", "label": "Special Account balance (Retirement Account if you are or older)", "default": "50000", "min": "0" }, { "name": "ma", "type": "number", "label": "MediSave Account balance", "default": "40000", "min": "0" }, { "name": "cOa", "type": "number", "label": "To Ordinary Account", "default": "1050", "min": "0" }, { "name": "cSara", "type": "number", "label": "To Special or Retirement Account", "default": "350", "min": "0" }, { "name": "cMa", "type": "number", "label": "To MediSave Account", "default": "450", "min": "0" }, { "name": "oaRate", "type": "number", "label": "Ordinary Account rate", "min": "0", "max": "10" }, { "name": "smraRate", "type": "number", "label": "Special, MediSave and Retirement rate", "min": "0", "max": "10" }, { "name": "bhsOn", "type": "checkbox", "label": "Cap MediSave at the Basic Healthcare Sum (S$ in 2026). Anything above it flows to your other accounts.", "default": "1" } ], "assumptions": [ "The default rates are the CPF rates for 1 October to 31 December 2026: 2.5% a year on the Ordinary Account and 4% on the Special, MediSave and Retirement Accounts. CPF reviews them every quarter. The 2.5% is a legislated minimum; the 4% floor has been extended until 31 December 2027. The projection holds whatever rates you enter for every year, which is an assumption, not a promise.", "Interest is worked out monthly and credited once a year, as CPF does. Extra interest follows the published rules and is credited to the Special or Retirement Account when it is earned on Ordinary Account savings.", "Contributions stay the same every month. Pay rises, the change in allocation as you age, housing payments, withdrawals, MediSave spending, insurance premiums and top-ups are left out. Enter contributions net of anything you use for housing.", "If the projection crosses age 55, your Special Account savings and then Ordinary Account savings move to a Retirement Account up to the Full Retirement Sum for that year, and the Special Account closes. Retirement sums after 2027 are not announced: the tool assumes they rise 3.5% a year, as they did from 2023 to 2027.", "MediSave is capped at the 2026 Basic Healthcare Sum if you leave that option on. The real ceiling rises each year, so MediSave may be understated over long periods.", "CPF LIFE premiums and payouts are not modelled. Savings shown in the Retirement Account are before any payouts start." ], "sources": [ { "title": "CPF Board: Earning attractive interest (current rates and the 4% floor)", "url": "https://www.cpf.gov.sg/member/growing-your-savings/earning-higher-returns/earning-attractive-interest" }, { "title": "CPF Board: How much extra interest can I earn on my CPF savings?", "url": "https://www.cpf.gov.sg/service/article/how-much-extra-interest-can-i-earn-on-my-cpf-savings" }, { "title": "CPF Board: How is my CPF interest computed and credited?", "url": "https://www.cpf.gov.sg/service/article/how-is-my-cpf-interest-computed-and-credited-into-my-accounts" }, { "title": "CPF Board: 4% floor extended until 31 December 2027", "url": "https://www.cpf.gov.sg/member/infohub/news/news-releases/government-extends-4-per-cent-interest-rate-floor-on-special-medisave-and-retirement-account-monies-until-31-december-2027" }, { "title": "CPF Board: Basic Healthcare Sum for 2026", "url": "https://www.cpf.gov.sg/member/infohub/news/news-releases/cpf-interest-rates-from-1-january-to-31-march-2026-and-basic-healthcare-sum-for-2026" }, { "title": "CPF Board: What is the CPF retirement sum?", "url": "https://www.cpf.gov.sg/member/infohub/educational-resources/what-is-the-cpf-retirement-sum" } ] }, { "slug": "gold-premium-calculator", "title": "Gold Premium Calculator", "category": "Investing & Gold", "description": "Compare gold bar and coin quotes side by side: premium over spot, cost per gram of pure gold, the buy-back spread and the price rise needed to break even.", "url": "https://dollarinterest.com/tools/gold-premium-calculator", "exampleLink": "https://dollarinterest.com/tools/gold-premium-calculator?spot=5300", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "spot", "type": "number", "label": "Spot price of pure gold", "default": "5300", "min": "0" }, { "name": "basis", "type": "select", "label": "Price is quoted", "options": [ "ozt", "g" ] } ], "assumptions": [ "You enter the spot price and each quote yourself; there is no live price feed. Take all quotes at the same time of day, because prices move constantly.", "Premium is the price you pay above the value of the pure gold at the spot price you enter. Investment gold that meets the IRAS rules carries no GST; jewellery and non-qualifying items do.", "Break-even assumes the dealer's buy-back price rises and falls in step with the spot price. It ignores storage, insurance and payment charges; the gold investment return calculator adds those.", "Offers are labelled A, B and C. Comparing on cost per gram of pure gold is one measure; it ignores how easy each item is to sell and to whom.", "Gold prices can fall as well as rise, past performance is not a guide, and gold pays no interest." ], "sources": [ { "title": "NIST: Precious metals conversion information (troy ounce = 31.1034768 g)", "url": "https://www.nist.gov/document/precious-metals-conversion-information-march2015pdf" }, { "title": "IRAS: Supplies exempt from GST (investment precious metals)", "url": "https://www.iras.gov.sg/taxes/goods-services-tax-(gst)/charging-gst-(output-tax)/when-is-gst-not-charged/supplies-exempt-from-gst" }, { "title": "LBMA: LBMA Gold Price", "url": "https://www.lbma.org.uk/prices-and-data/lbma-gold-price/lbma-gold-price" } ] }, { "slug": "home-affordability-calculator", "title": "Home Affordability Calculator", "category": "Property & Home Loans", "description": "Estimate your maximum home loan and property price in Singapore under TDSR, MSR and loan-to-value limits, with the cash and CPF downpayment split.", "url": "https://dollarinterest.com/tools/home-affordability-calculator", "exampleLink": "https://dollarinterest.com/tools/home-affordability-calculator?income1=5000&age1=32&income2=4000", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "buyers", "type": "select", "label": "Who is borrowing", "options": [ "1", "2" ] }, { "name": "income1", "type": "number", "label": "Your fixed monthly income", "default": "5000", "min": "0" }, { "name": "age1", "type": "number", "label": "Your age", "default": "32", "min": "21", "max": "80" }, { "name": "income2", "type": "number", "label": "Co-borrower's fixed monthly income", "default": "4000", "min": "0" }, { "name": "age2", "type": "number", "label": "Co-borrower's age", "default": "30", "min": "21", "max": "80" }, { "name": "variable", "type": "number", "label": "Variable monthly income (optional)", "default": "0", "min": "0" }, { "name": "propDebt", "type": "number", "label": "Other property loan instalments", "default": "0", "min": "0" }, { "name": "otherDebt", "type": "number", "label": "Other monthly debt payments", "default": "500", "min": "0" }, { "name": "property", "type": "select", "label": "Property type", "options": [ "hdb", "ec", "private" ] }, { "name": "loan", "type": "select", "label": "Loan type", "options": [ "hdb", "bank" ] }, { "name": "existingLoans", "type": "select", "label": "Housing loans you will still have", "options": [ "0", "1", "2" ] }, { "name": "tenure", "type": "number", "label": "Loan tenure you want", "default": "25", "min": "1", "max": "35" }, { "name": "rate", "type": "number", "label": "Interest rate you expect", "min": "0", "max": "15" }, { "name": "cash", "type": "number", "label": "Cash for the downpayment", "default": "40000", "min": "0" }, { "name": "cpf", "type": "number", "label": "CPF Ordinary Account available", "default": "120000", "min": "0" } ], "assumptions": [ "Uses the limits in force on 13 Nov 2026: TDSR 55%, MSR 30%, a 4% test rate for bank loans (or your loan's own rate if higher), a 3% test rate for HDB loans, and the loan-to-value limits published by MAS and HDB.", "Fixed income is counted in full and variable income after a 30% haircut, which is the minimum MAS requires. A lender may count less, and will check your credit record, which this tool cannot.", "For an HDB loan the tool tests the 30% MSR only. HDB also looks at your wider finances, age and the flat's remaining lease, and may require you to use your CPF Ordinary Account savings before it lends. Your HDB Flat Eligibility letter gives the real figure.", "Savings are assumed to go entirely to the downpayment. Stamp duty, legal fees, renovation and any housing grants are left out, so set money aside for them. CPF usage limits for older leases are not tested.", "The price is capped by the valuation in practice: loan limits apply to the lower of price or valuation, and anything paid above valuation must be in cash." ], "sources": [ { "title": "MAS: Mortgage Servicing Ratio and Total Debt Servicing Ratio rules", "url": "https://www.mas.gov.sg/regulation/explainers/new-housing-loans/msr-and-tdsr-rules" }, { "title": "MAS: Calculating TDSR (4% medium-term interest rate, income haircuts)", "url": "https://www.mas.gov.sg/regulation/explainers/tdsr-for-property-loans/calculating-tdsr" }, { "title": "MAS: Loan tenure and loan-to-value limits", "url": "https://www.mas.gov.sg/regulation/explainers/new-housing-loans/loan-tenure-and-loan-to-value-limits" }, { "title": "MAS, MND and HDB: Measures of 30 Sep 2022 (4% and 3% interest rate floors)", "url": "https://www.mas.gov.sg/news/media-releases/2022/measures-to-promote-sustainable-conditions-in-the-property-market-by-ensuring-prudent-borrowing-and-moderating-demand" }, { "title": "MoneySense: Buying a property, how much can you afford?", "url": "https://www.moneysense.gov.sg/buying-a-property-how-much-can-you-afford/" }, { "title": "HDB: Measures of 20 Aug 2024 (HDB loan limit lowered to 75%)", "url": "https://www.hdb.gov.sg/business-partners/estate-agents-and-salespersons/letters-to-keos/measures-to-cool-the-hdb-resale-market-and-provide-greater-support-for-first-time-home-buyers" } ] }, { "slug": "purchase-cost-summary", "title": "Property Purchase Cost Summary", "category": "For Property Agents & Advisers", "description": "Build a one-page cost summary for a Singapore home purchase: BSD, ABSD, downpayment split by cash and CPF, monthly instalment and total upfront cash.", "url": "https://dollarinterest.com/tools/purchase-cost-summary", "exampleLink": "https://dollarinterest.com/tools/purchase-cost-summary?price=1200000&loan=900000&rate=3", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "price", "type": "number", "label": "Purchase price", "default": "1200000", "min": "0" }, { "name": "profile", "type": "select", "label": "Buyer profile", "options": [] }, { "name": "loanType", "type": "select", "label": "Type of loan", "options": [] }, { "name": "longTenure", "type": "checkbox", "label": "Bank loan runs past age 65, or is longer than 30 years (25 years for an HDB flat). A lower loan limit applies.", "default": "0" }, { "name": "loan", "type": "number", "label": "Loan amount", "default": "900000", "min": "0" }, { "name": "rate", "type": "number", "label": "Interest rate", "default": "3", "min": "0", "max": "15" }, { "name": "years", "type": "number", "label": "Loan tenure", "default": "25", "min": "1", "max": "35" }, { "name": "cpf", "type": "number", "label": "CPF Ordinary Account savings to use", "default": "150000", "min": "0" }, { "name": "cpfFees", "type": "checkbox", "label": "Use leftover CPF for stamp duty and legal fees", "default": "0" }, { "name": "legal", "type": "number", "label": "Legal fees", "default": "3000", "min": "0" }, { "name": "agent", "type": "number", "label": "Agent fee, with GST if any", "default": "0", "min": "0" }, { "name": "valuation", "type": "number", "label": "Valuation fee", "default": "500", "min": "0" }, { "name": "reno", "type": "number", "label": "Renovation budget", "default": "50000", "min": "0" } ], "assumptions": [ "Buyer's Stamp Duty uses the residential rates for documents dated on or after 15 Feb 2023; Additional Buyer's Stamp Duty uses the rates from 27 Apr 2023. Both are worked out on the price you enter. IRAS charges them on the price or the market value, whichever is higher.", "No stamp duty remission or refund is applied (for example a married couple with a Singapore Citizen spouse, or nationals covered by a free trade agreement). Joint buyers pay the highest ABSD rate that applies to any one of them, so pick that profile.", "Loan-to-value limits and the minimum cash downpayment follow MAS rules for bank loans and HDB's 75% limit for HDB housing loans. The limits apply to the price or the valuation, whichever is lower; any amount paid above valuation is cash and is not modelled. HDB may also pro-rate its limit for a short remaining lease.", "CPF is applied to the downpayment first, after the minimum cash share, then (if ticked) to stamp duty and legal fees. In practice stamp duty is often paid in cash first and reimbursed from CPF. CPF usage limits such as the Valuation Limit and Withdrawal Limit are not checked.", "The instalment assumes a level rate for the whole tenure. Whether the loan is approved depends on TDSR, MSR and the lender's own assessment, which this summary does not test. Agent fee, valuation and renovation are treated as cash." ], "sources": [ { "title": "IRAS: Buyer's Stamp Duty", "url": "https://www.iras.gov.sg/taxes/stamp-duty/for-property/buying-or-acquiring-property/buyer's-stamp-duty-(bsd)" }, { "title": "IRAS: Additional Buyer's Stamp Duty", "url": "https://www.iras.gov.sg/taxes/stamp-duty/for-property/buying-or-acquiring-property/additional-buyer's-stamp-duty-(absd)" }, { "title": "MAS: Loan tenure and loan-to-value limits", "url": "https://www.mas.gov.sg/regulation/explainers/new-housing-loans/loan-tenure-and-loan-to-value-limits" }, { "title": "HDB: Mode of financing for a resale flat", "url": "https://www.hdb.gov.sg/buying-a-flat/resale-flats/process-for-buying-a-resale-flat/resale-flat-planning/mode-of-financing" } ] }, { "slug": "protection-gap-calculator", "title": "Protection Gap Calculator", "category": "Protection & Planning", "description": "Estimate your death, total permanent disability and critical illness cover gap with a simple needs sum and the MoneySense rules of thumb. Free, private.", "url": "https://dollarinterest.com/tools/protection-gap-calculator", "exampleLink": "https://dollarinterest.com/tools/protection-gap-calculator?income=72000&share=70&years=15", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "income", "type": "number", "label": "Your yearly income", "default": "72000", "min": "0" }, { "name": "share", "type": "number", "label": "Share your dependants rely on", "default": "70", "min": "0", "max": "100" }, { "name": "years", "type": "number", "label": "Years of support needed", "default": "15", "min": "0", "max": "50" }, { "name": "debts", "type": "number", "label": "Debts to clear", "default": "300000", "min": "0" }, { "name": "savings", "type": "number", "label": "Savings and investments your family could use", "default": "80000", "min": "0" }, { "name": "deathCover", "type": "number", "label": "Existing death and disability cover", "default": "200000", "min": "0" }, { "name": "ciCover", "type": "number", "label": "Existing critical illness cover", "default": "50000", "min": "0" }, { "name": "premiums", "type": "number", "label": "Protection premiums you pay each year", "default": "3600", "min": "0" }, { "name": "ciYears", "type": "number", "label": "Years of income to replace", "default": "3", "min": "0", "max": "20" }, { "name": "ciExtra", "type": "number", "label": "Extra costs to set aside", "default": "20000", "min": "0" } ], "assumptions": [ "The simple needs sum adds your debts to the income your dependants rely on for the years you choose, then takes away savings and existing cover. It uses today's dollars: no inflation, no investment return, no pay rises.", "The rule-of-thumb figures are from the MoneySense Basic Financial Planning Guide: cover of 9 times annual income for death and total permanent disability, 4 times for critical illness, and at most 15% of income spent on protection. The guide does not say whether income means gross or take-home pay; this tool uses whatever income figure you enter.", "Rules of thumb are a starting point for a typical working adult with dependants. Someone with no dependants, or a retiree, may need far less. Someone with young children or a large loan may need more.", "Savings are counted against the death and disability need only. The critical illness sum does not take away savings, because many people would rather keep them.", "Ignores CPF balances paid to nominees, the Dependants' Protection Scheme, employer group cover (unless you include it), hospital bills and long-term care. A gap here is not a recommendation to buy anything." ], "sources": [ { "title": "MoneySense: Basic Financial Planning Guide (rules of thumb)", "url": "https://www.moneysense.gov.sg/planning-your-finances-well/" }, { "title": "CPF Board: Basic Financial Planning Guide", "url": "https://www.cpf.gov.sg/member/infohub/educational-resources/basic-financial-planning-guide-to-help-with-your-finances" }, { "title": "MoneySense: Insurance", "url": "https://www.moneysense.gov.sg/insurance/" } ] }, { "slug": "take-home-pay-calculator", "title": "Take-Home Pay Calculator", "category": "Everyday Money", "description": "See your Singapore take-home pay after employee CPF, your employer's CPF and total cost, and an estimate of income tax. Uses 2026 and 2027 CPF rates.", "url": "https://dollarinterest.com/tools/take-home-pay-calculator", "exampleLink": "https://dollarinterest.com/tools/take-home-pay-calculator?gross=6000&bonusMonths=1&age=35", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "gross", "type": "number", "label": "Monthly gross salary", "default": "6000", "min": "0" }, { "name": "bonusMonths", "type": "number", "label": "Bonus in a year", "default": "1", "min": "0", "max": "24" }, { "name": "age", "type": "number", "label": "Your age", "default": "35", "min": "16", "max": "100" }, { "name": "year", "type": "select", "label": "CPF rates for", "options": [ "2026", "2027" ] }, { "name": "otherRelief", "type": "number", "label": "Other tax reliefs for the year (optional)", "default": "0", "min": "0" } ], "assumptions": [ "For Singapore citizens and PRs from their third year of PR status, in the private sector, paid the same salary for all 12 months. First and second-year PRs pay lower graduated rates that are not modelled. Foreigners pay no CPF.", "CPF applies to ordinary wages up to $8,000 a month, and to total wages up to $102,000 a year. The bonus is treated as an additional wage paid in one month.", "The age you enter sets the CPF rate for the whole year. In practice the rate changes from the month after your 55th, 60th, 65th or 70th birthday.", "Income tax is an estimate using resident rates, earned income relief, CPF relief and any other reliefs you enter. It is billed the following year, not deducted from your pay, so the \"after tax\" figure simply spreads it over 12 months.", "Employer cost counts salary, bonus and employer CPF only. It leaves out the Skills Development Levy, foreign worker levy, insurance and benefits.", "Other payslip deductions, such as contributions to self-help group funds, are not included." ], "sources": [ { "title": "CPF Board: How much CPF contributions to pay", "url": "https://www.cpf.gov.sg/employer/employer-obligations/how-much-cpf-contributions-to-pay" }, { "title": "CPF Board: Contribution rate table from 1 January 2027 (PDF)", "url": "https://www.cpf.gov.sg/content/dam/web/employer/employer-obligations/documents/jan2027cpfcontributionrates.pdf" }, { "title": "CPF Board: New contribution rates for senior workers from 2027", "url": "https://www.cpf.gov.sg/employer/infohub/news/cpf-related-announcements/new-contribution-rates" }, { "title": "CPF Board: What is the Ordinary Wage ceiling?", "url": "https://www.cpf.gov.sg/service/article/what-is-the-ordinary-wage-ow-ceiling" }, { "title": "CPF Board: What is the Additional Wage ceiling?", "url": "https://www.cpf.gov.sg/service/article/what-is-the-additional-wage-aw-ceiling" }, { "title": "IRAS: Individual income tax rates", "url": "https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/tax-residency-and-tax-rates/individual-income-tax-rates" }, { "title": "IRAS: Earned income relief", "url": "https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/tax-reliefs-rebates-and-deductions/tax-reliefs/earned-income-relief" } ] }, { "slug": "cpf-retirement-sum-planner", "title": "CPF Retirement Sum Planner", "category": "CPF & Retirement", "description": "Project your CPF Ordinary and Special Account savings to age 55 and compare them with the Basic, Full and Enhanced Retirement Sums for your cohort.", "url": "https://dollarinterest.com/tools/cpf-retirement-sum-planner", "exampleLink": "https://dollarinterest.com/tools/cpf-retirement-sum-planner?age=45&oa=90000&sa=70000", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "age", "type": "number", "label": "Your age", "default": "45", "min": "16" }, { "name": "oa", "type": "number", "label": "Ordinary Account balance", "default": "90000", "min": "0" }, { "name": "sa", "type": "number", "label": "Special Account balance", "default": "70000", "min": "0" }, { "name": "cOa", "type": "number", "label": "To Ordinary Account", "default": "500", "min": "0" }, { "name": "cSa", "type": "number", "label": "To Special Account", "default": "400", "min": "0" }, { "name": "ma", "type": "number", "label": "MediSave balance", "default": "0", "min": "0" }, { "name": "cMa", "type": "number", "label": "To MediSave each month", "default": "0", "min": "0" }, { "name": "inc", "type": "number", "label": "Assumed yearly increase after", "min": "0", "max": "10" } ], "assumptions": [ "The retirement sums for members turning 55 in 2026 and 2027 are the published figures. Sums for later years have not been announced and are under review. The tool grows them from the 2027 figure at the yearly increase you enter. The default of 3.5% is the rate used for the 2023 to 2027 cohorts. It is an assumption.", "Savings grow at the CPF rates for 1 October to 31 December 2026 (2.5% on the Ordinary Account, 4% on the Special and MediSave Accounts) plus extra interest, held for every year. Rates are reviewed quarterly; the 4% floor currently runs until 31 December 2027.", "Contributions stay level until 55. Pay rises, changes in allocation as you age, housing payments from your Ordinary Account, withdrawals and top-ups are left out. Enter Ordinary Account contributions net of your housing instalment.", "MediSave savings above the 2026 Basic Healthcare Sum are treated as flowing to your Special Account. Leave the MediSave fields at 0 to ignore this.", "The monthly payout figures are the CPF Board's own published estimates for members turning 55 in 2026 (male, CPF LIFE Standard Plan, payouts from 65). They are not calculated by this tool and will differ for other cohorts, women, other plans and other start ages.", "At 55, only savings up to the Full Retirement Sum move to your Retirement Account automatically. Reaching the Enhanced Retirement Sum takes a voluntary top-up. Property pledges and withdrawals at 55 are not covered." ], "sources": [ { "title": "CPF Board: What is the CPF retirement sum? (2026 and 2027 sums)", "url": "https://www.cpf.gov.sg/member/infohub/educational-resources/what-is-the-cpf-retirement-sum" }, { "title": "CPF Board: How much CPF payouts can I get every month? (estimate table)", "url": "https://www.cpf.gov.sg/service/article/how-much-cpf-payouts-can-i-get-every-month" }, { "title": "CPF Board: Monthly Payout Estimator (official)", "url": "https://www.cpf.gov.sg/payoutestimator" }, { "title": "MOM: Basic Retirement Sums for members reaching 55 from 2023 to 2027 (3.5% a year)", "url": "https://www.mom.gov.sg/-/media/mom/documents/budget2022/factsheet-on-basic-retirement-sums-for-cpf-members-reaching-age-55-from-2023-to-2027.pdf" }, { "title": "MOM: Written answer on the Basic Retirement Sum after 2027 (13 Jan 2026)", "url": "https://www.mom.gov.sg/newsroom/parliament-questions-and-replies/2026/0113-written-answer-to-pq-on-cpf-basic-retirement-sum" }, { "title": "CPF Board: Earning attractive interest", "url": "https://www.cpf.gov.sg/member/growing-your-savings/earning-higher-returns/earning-attractive-interest" } ] }, { "slug": "gold-investment-return-calculator", "title": "Gold Investment Return Calculator", "category": "Investing & Gold", "description": "Illustrate what holding gold for a number of years could leave you with after the premium, buy-back spread and storage fees, against a savings or T-bill rate.", "url": "https://dollarinterest.com/tools/gold-investment-return-calculator", "exampleLink": "https://dollarinterest.com/tools/gold-investment-return-calculator?amount=10000&years=10&growth=3", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "amount", "type": "number", "label": "Amount put into gold", "default": "10000", "min": "0" }, { "name": "years", "type": "number", "label": "Years held", "default": "10", "min": "1", "max": "50" }, { "name": "growth", "type": "number", "label": "Assumed change in the gold price each year", "default": "3", "min": "-50", "max": "100" }, { "name": "premium", "type": "number", "label": "Premium over spot when buying", "default": "3", "min": "0", "max": "50" }, { "name": "discount", "type": "number", "label": "Discount below spot when selling", "default": "1.5", "min": "0", "max": "50" }, { "name": "storage", "type": "number", "label": "Storage and insurance", "default": "0.25", "min": "0", "max": "10" }, { "name": "fixedFee", "type": "number", "label": "Fixed fee each year (optional)", "default": "0", "min": "0" }, { "name": "storageGst", "type": "checkbox", "label": "Add % GST to storage fees", "default": "1" }, { "name": "rate", "type": "number", "label": "Interest rate on the alternative", "default": "2.5", "min": "0", "max": "20" } ], "assumptions": [ "The yearly change in the gold price is your own assumption, held steady every year. It is an illustration, not a forecast and not guaranteed. Real gold prices swing sharply and have fallen for years at a time; past performance is not a guide.", "You buy at the spot price plus the premium you enter and sell at the spot price less the buy-back discount you enter, with the same terms at the end as today.", "Storage and insurance are charged each year as a percentage of the holding's value (plus GST if ticked) and any fixed yearly fee, taken out of the holding. Gold itself pays no interest or dividends.", "The comparison grows the same amount at the interest rate you enter, compounded once a year with interest reinvested. Check current rates yourself: the CPF Ordinary Account pays a guaranteed minimum of 2.5%, while T-bill and Singapore Savings Bond yields change with each issue.", "Ignores tax (Singapore does not generally tax capital gains for individuals, but check your own case), currency effects beyond the gold price you assume, and any GST on non-investment gold." ], "sources": [ { "title": "IRAS: Current GST rates", "url": "https://www.iras.gov.sg/taxes/goods-services-tax-(gst)/basics-of-gst/current-gst-rates" }, { "title": "CPF Board: CPF interest rates", "url": "https://www.cpf.gov.sg/member/growing-your-savings/earning-higher-returns/earning-attractive-interest" }, { "title": "MAS: Singapore Savings Bonds", "url": "https://www.mas.gov.sg/bonds-and-bills/singapore-savings-bonds" }, { "title": "MoneySense: What is investing?", "url": "https://www.moneysense.gov.sg/investments/what-is-investing/" } ] }, { "slug": "progressive-payment-calculator", "title": "Progressive Payment Calculator", "category": "For Property Agents & Advisers", "description": "Plan a new launch condo purchase in Singapore: the standard progressive payment stages, what is paid by cash, CPF and loan, and the instalment at each stage.", "url": "https://dollarinterest.com/tools/progressive-payment-calculator", "exampleLink": "https://dollarinterest.com/tools/progressive-payment-calculator?price=1500000&loanPct=75&cpf=200000", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "price", "type": "number", "label": "Purchase price", "default": "1500000", "min": "0" }, { "name": "booking", "type": "date", "label": "Booking date (Option to Purchase)", "default": "2026-11-13" }, { "name": "loanPct", "type": "number", "label": "Loan, % of price", "default": "75", "min": "0", "max": "75" }, { "name": "cpf", "type": "number", "label": "CPF Ordinary Account savings to use", "default": "200000", "min": "0" }, { "name": "rate", "type": "number", "label": "Interest rate", "default": "3", "min": "0", "max": "15" }, { "name": "years", "type": "number", "label": "Loan tenure", "default": "30", "min": "1", "max": "35" } ], "assumptions": [ "The stages and percentages are the normal payment scheme in the standard Sale and Purchase Agreement under the Housing Developers Rules (Forms 4 and 5). The booking fee can be 5% to 10% of the price; this tool uses 5%, with the rest of the first 20% due within 8 weeks of the Option date. A deferred payment scheme, if the developer offers one, is different.", "The stage dates are your own estimates. Developers give notice as each stage is finished, and construction can run faster or slower. Only the booking date and the 8-week date are fixed by the rules.", "The buyer's own money is used first, then the loan. A minimum of 5% of the price is cash (the rule for a bank loan at 75% loan-to-value); the rest of the buyer's share comes from the CPF figure you enter, then cash. Lower loan limits and a higher cash share apply to buyers with other home loans.", "The instalment is recalculated after each drawdown on the outstanding balance over the remaining tenure, with the tenure starting at the first drawdown and the rate staying level. Banks may calculate it differently, and some packages charge interest only during construction.", "Excludes Buyer's Stamp Duty, Additional Buyer's Stamp Duty, legal fees and maintenance charges from the date of possession. The last 15% is shown on one date, although part of it is released only when the Certificate of Statutory Completion is issued." ], "sources": [ { "title": "Housing Developers Rules: First Schedule, Forms 4 and 5 (Payment Schedule); rule 8 (booking fee)", "url": "https://sso.agc.gov.sg/SL/HDCLA1965-R1" }, { "title": "MAS: Loan tenure and loan-to-value limits", "url": "https://www.mas.gov.sg/regulation/explainers/new-housing-loans/loan-tenure-and-loan-to-value-limits" }, { "title": "URA: Buying private residential property", "url": "https://www.ura.gov.sg/Corporate/Property/Residential/Buying-Private-Residential-Property" } ] }, { "slug": "recommendation-scorecard", "title": "Recommendation Scorecard", "category": "Protection & Planning", "description": "Compare up to three financial recommendations side by side on need, cost, guarantees, lock-in, exit cost and incentives. Your own weights. Private, no login.", "url": "https://dollarinterest.com/tools/recommendation-scorecard", "exampleLink": "https://dollarinterest.com/tools/recommendation-scorecard", "rulesLastChecked": "2026-11-13", "inputs": [], "assumptions": [ "The scores and weights are entirely yours. The tool only multiplies and adds them; it has no view on any plan, product or provider and does not know what you are comparing.", "Each criterion is scored from 1 (poor for you) to 5 (good for you) and weighted from 1 to 3. The weighted score is shown as a share of the maximum for the criteria you have scored, so an option is not marked down for a blank, but blanks are listed as unanswered questions.", "Total cost is simply the yearly cost multiplied by the number of years you enter. It ignores the time value of money, any payouts and any changes in premiums or fees.", "A higher score is not a recommendation. A single criterion, such as a cost you cannot keep up, can outweigh everything else.", "The names you type stay in this page. They are not saved or sent anywhere, and they disappear when you close or refresh the page." ], "sources": [ { "title": "MoneySense: Basic Financial Planning Guide", "url": "https://www.moneysense.gov.sg/planning-your-finances-well/" }, { "title": "MoneySense: Insurance", "url": "https://www.moneysense.gov.sg/insurance/" } ] }, { "slug": "savings-account-interest-calculator", "title": "Savings Account Effective Interest Calculator", "category": "Everyday Money", "description": "Work out the effective interest rate on a bonus-interest savings account: enter your balance, the base rate and each bonus condition you actually meet.", "url": "https://dollarinterest.com/tools/savings-account-interest-calculator", "exampleLink": "https://dollarinterest.com/tools/savings-account-interest-calculator?balance=120000&base=0.05&months=12", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "balance", "type": "number", "label": "Balance you keep in the account", "default": "120000", "min": "0" }, { "name": "base", "type": "number", "label": "Base rate", "default": "0.05", "min": "0", "max": "20" }, { "name": "months", "type": "number", "label": "Months a year you meet the ticked conditions", "default": "12", "min": "0", "max": "12" } ], "assumptions": [ "Every rate, balance band and condition is typed in by you from your own account's terms. The starting figures are invented for illustration and are not any bank's rates.", "Simple annual interest on a steady balance. Real accounts usually work on the daily or average daily balance and credit interest monthly, so your statement will differ a little.", "A ticked condition is treated as met for the number of months you enter, and the base rate is paid on the whole balance all year.", "Ignores the cost of meeting a condition, such as moving card spending or buying a product to qualify, and any fall-below or early closure fees.", "Singapore-dollar deposits are insured up to $100,000 per depositor per Deposit Insurance Scheme member. This tool does not check that limit for you." ], "sources": [ { "title": "MoneySense: Understanding bank accounts", "url": "https://www.moneysense.gov.sg/understanding-bank-accounts/" }, { "title": "MoneySense: Understanding deposit insurance", "url": "https://www.moneysense.gov.sg/understanding-deposit-insurance/" }, { "title": "IRAS: Interest (what is taxable, what is not)", "url": "https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/what-is-taxable-what-is-not/interest" } ] }, { "slug": "stamp-duty-calculator", "title": "Stamp Duty Calculator (BSD And ABSD)", "category": "Property & Home Loans", "description": "Work out Buyer's Stamp Duty and ABSD on a Singapore residential property at current IRAS rates, with a band-by-band breakdown. Free, no login.", "url": "https://dollarinterest.com/tools/stamp-duty-calculator", "exampleLink": "https://dollarinterest.com/tools/stamp-duty-calculator?price=800000", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "price", "type": "number", "label": "Purchase price or market value", "default": "800000", "min": "0" }, { "name": "profile", "type": "select", "label": "Buyer", "options": [ "sc", "spr", "foreigner", "entity" ] }, { "name": "owned", "type": "select", "label": "Residential properties that buyer already owns", "options": [ "0", "1", "2" ] }, { "name": "married", "type": "checkbox", "label": "Married couple buying a first home together, with at least one spouse a Singapore Citizen, and neither spouse owns any residential property", "default": "0" } ], "assumptions": [ "Residential property only, including HDB flats. Commercial, industrial and mixed-use property use different rates and are not covered.", "Uses the Buyer's Stamp Duty rates for purchases on or after 15 Feb 2023 and the ABSD rates for purchases on or after 27 Apr 2023, as shown by IRAS on 13 Nov 2026.", "Duty is charged on the purchase price or the market value, whichever is higher. Enter the higher figure.", "For a joint purchase, the highest ABSD rate among the buyers applies to the whole price. Pick the profile of the buyer with the highest rate.", "Does not work out refunds, such as the ABSD refund for a married couple who sell their first home within six months, or other remissions. Nationals of some countries are treated as Singapore Citizens under free trade agreements; check with IRAS.", "A property counts as owned even if you hold only a share of it. Your lawyer confirms the final amount when the duty is paid, which is due within 14 days of signing." ], "sources": [ { "title": "IRAS: Buyer's Stamp Duty (BSD)", "url": "https://www.iras.gov.sg/taxes/stamp-duty/for-property/buying-or-acquiring-property/buyer's-stamp-duty-(bsd)" }, { "title": "IRAS: Additional Buyer's Stamp Duty (ABSD)", "url": "https://www.iras.gov.sg/taxes/stamp-duty/for-property/buying-or-acquiring-property/additional-buyer's-stamp-duty-(absd)" }, { "title": "IRAS: Remission of ABSD for a married couple", "url": "https://www.iras.gov.sg/taxes/stamp-duty/for-property/appeals-refunds-reliefs-and-remissions/common-stamp-duty-remissions-and-reliefs-for-property/remission-of-absd-for-a-married-couple" } ] }, { "slug": "compound-interest-calculator", "title": "Compound Interest Calculator", "category": "Everyday Money", "description": "See how a lump sum plus monthly savings could grow at a rate you set, split into contributions and growth, and what it is worth after inflation.", "url": "https://dollarinterest.com/tools/compound-interest-calculator", "exampleLink": "https://dollarinterest.com/tools/compound-interest-calculator?start=10000&monthly=500&rate=4", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "start", "type": "number", "label": "Starting lump sum", "default": "10000", "min": "0" }, { "name": "monthly", "type": "number", "label": "Added each month", "default": "500", "min": "0" }, { "name": "rate", "type": "number", "label": "Assumed yearly rate", "default": "4", "min": "0", "max": "30" }, { "name": "years", "type": "number", "label": "For how long", "default": "20", "min": "1", "max": "60" }, { "name": "freq", "type": "select", "label": "Interest is added", "options": [ "1", "2", "4", "12", "365" ] }, { "name": "inflation", "type": "number", "label": "Assumed inflation (optional)", "default": "2", "min": "0", "max": "20" } ], "assumptions": [ "The rate is your own assumption and stays the same every year. It is an illustration, not a forecast and not guaranteed. Real returns move up and down, and investments can lose money.", "Monthly contributions go in at the end of each month and never change.", "Ignores fees, charges and tax. For investments, enter a rate after fees to be more realistic.", "The value in today's dollars uses the inflation rate you enter, held steady for the whole period. That is also an assumption." ], "sources": [ { "title": "MoneySense: What is investing?", "url": "https://www.moneysense.gov.sg/investments/what-is-investing/" }, { "title": "MoneySense: Managing your money", "url": "https://www.moneysense.gov.sg/managing-your-money/" } ] }, { "slug": "cpf-top-up-tax-relief-calculator", "title": "CPF Top-Up Tax Relief Calculator", "category": "CPF & Retirement", "description": "Estimate the income tax saved by a CPF cash top-up to yourself or loved ones, using the $8,000 relief caps and resident tax rates. Free, no login.", "url": "https://dollarinterest.com/tools/cpf-top-up-tax-relief-calculator", "exampleLink": "https://dollarinterest.com/tools/cpf-top-up-tax-relief-calculator?income=90000&other=0&selfSara=8000", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "income", "type": "number", "label": "Chargeable income for the year, before this top-up", "default": "90000", "min": "0" }, { "name": "other", "type": "number", "label": "Personal reliefs you already claim each year (optional)", "default": "0", "min": "0" }, { "name": "selfSara", "type": "number", "label": "To your own Special or Retirement Account", "default": "8000", "min": "0" }, { "name": "selfMa", "type": "number", "label": "To your own MediSave Account", "default": "0", "min": "0" }, { "name": "loved", "type": "number", "label": "To loved ones' accounts", "default": "0", "min": "0" } ], "assumptions": [ "For Singapore tax residents. Uses the resident income tax rates that apply from Year of Assessment 2024 onwards. Cash top-ups made in 2026 are claimed in Year of Assessment 2027. Any one-off tax rebate is ignored.", "Relief is capped at $8,000 a year for cash top-ups to your own Special or Retirement Account and MediSave Account combined, and another $8,000 for top-ups to loved ones. MediSave top-ups have shared the $8,000 cap since 1 January 2022.", "The tool assumes every dollar you enter qualifies. In practice, relief is given only on top-ups up to the Full Retirement Sum (Special or Retirement Account) and the Basic Healthcare Sum (MediSave), and not on top-ups that attract a government matching grant, CPF transfers, or top-ups to a spouse or sibling who earned more than $8,000 in the year before (unless they have a disability).", "All your personal reliefs together are capped at $80,000 a year. Enter the reliefs you already claim so the tool can test this.", "The \"return\" shown is only the tax saved in the first year divided by the cash you put in. It is not an investment return and it does not repeat unless you top up again. CPF interest is separate.", "Top-ups cannot be reversed or refunded. The money is set aside for retirement payouts or healthcare and cannot be withdrawn for other uses." ], "sources": [ { "title": "IRAS: CPF Cash Top-up Relief", "url": "https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/tax-reliefs-rebates-and-deductions/tax-reliefs/central-provident-fund-(cpf)-cash-top-up-relief" }, { "title": "IRAS: Individual income tax rates", "url": "https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/tax-residency-and-tax-rates/individual-income-tax-rates" }, { "title": "CPF Board: Top up to enjoy higher retirement payouts", "url": "https://www.cpf.gov.sg/member/growing-your-savings/saving-more-with-cpf/top-up-to-enjoy-higher-retirement-payouts" } ] }, { "slug": "dca-vs-lump-sum-calculator", "title": "DCA vs Lump Sum Calculator", "category": "Investing & Gold", "description": "Illustrate dollar-cost averaging against a lump sum on a price path you choose: units bought, average cost vs average price, final value and the fee drag.", "url": "https://dollarinterest.com/tools/dca-vs-lump-sum-calculator", "exampleLink": "https://dollarinterest.com/tools/dca-vs-lump-sum-calculator?monthly=500&months=12&start=1", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "monthly", "type": "number", "label": "Invested each month", "default": "500", "min": "0" }, { "name": "months", "type": "number", "label": "Number of months", "default": "12" }, { "name": "mode", "type": "select", "label": "How prices move", "options": [ "simple", "list" ] }, { "name": "start", "type": "number", "label": "Price in month 1", "default": "1", "min": "0" }, { "name": "mid", "type": "number", "label": "Change by the middle month", "default": "-20", "min": "-95", "max": "500" }, { "name": "end", "type": "number", "label": "Change by the last month", "default": "5", "min": "-95", "max": "500" }, { "name": "feeFlat", "type": "number", "label": "Flat fee per buy", "min": "0" }, { "name": "feePct", "type": "number", "label": "Percentage fee per buy", "min": "0", "max": "10" }, { "name": "feeRule", "type": "select", "label": "How the two combine", "options": [ "max", "sum" ] }, { "name": "cashRate", "type": "number", "label": "Interest on cash waiting to be invested (optional)", "default": "0", "min": "0", "max": "20" } ], "assumptions": [ "The prices are your own illustration, not a forecast and not guaranteed. Real prices do not move in straight lines, and investments can lose money. Past or assumed paths say nothing about what will happen.", "Both approaches invest the same total. The lump sum goes in on month 1 at the first price; the monthly plan buys the same amount every month at that month's price. Both are valued at the last price.", "Units can be fractional, as with funds, regular savings plans and fractional shares. Buying in SGX board lots would leave some cash uninvested.", "Fees are charged on every buy using the rule you pick. Exchange fees, GST, spreads, fund expense ratios, currency conversion, dividends and tax are left out unless you add them to the fee.", "Cash waiting to be invested earns the interest rate you enter (0% by default), credited monthly and kept as cash." ], "sources": [ { "title": "MoneySense: Managing investment risk", "url": "https://www.moneysense.gov.sg/investments/investment-risk/" }, { "title": "MoneySense: Behavioural science and investing", "url": "https://www.moneysense.gov.sg/investments/behavioural-science-and-investing/" }, { "title": "Vanguard research: Cost averaging, invest now or temporarily hold your cash? (2023)", "url": "https://corporate.vanguard.com/content/dam/corp/research/pdf/cost_averaging_invest_now_or_temporarily_hold_your_cash.pdf" } ] }, { "slug": "hdb-resale-timeline-planner", "title": "HDB Resale Timeline Planner", "category": "For Property Agents & Advisers", "description": "Enter the Option to Purchase date to see HDB resale key dates: option expiry, resale application, HDB acceptance, endorsement and completion. Printable.", "url": "https://dollarinterest.com/tools/hdb-resale-timeline-planner", "exampleLink": "https://dollarinterest.com/tools/hdb-resale-timeline-planner?agreed=14", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "otp", "type": "date", "label": "Option Date", "default": "2026-11-13" }, { "name": "exDay", "type": "number", "label": "Buyers exercise the Option on day", "min": "1" }, { "name": "agreed", "type": "number", "label": "Days agreed to submit the resale application", "default": "14", "min": "0", "max": "120" }, { "name": "accepted", "type": "date", "label": "HDB's acceptance date, if known", "default": "" }, { "name": "rfv", "type": "checkbox", "label": "Buyers are using CPF savings or a housing loan (a Request for Value is needed)", "default": "1" } ], "assumptions": [ "Periods are HDB's published ones: a 21-day Option Period ending at 4pm, the second party submitting within 7 calendar days of the first, acceptance within 28 working days of a complete application, documents ready about 3 weeks after acceptance, and completion about 8 weeks after acceptance.", "Where HDB gives \"within\" or \"about\", the table shows a range. The earliest column assumes the second party submits the same day and HDB accepts at once; the latest assumes every period is used in full. Real cases fall in between, and an incomplete application takes longer.", "Working days leave out Saturdays, Sundays and the gazetted public holidays for 2026 and 2027. Holidays for later years are not published yet, so dates beyond 2027 may be a day or two early.", "The number of days between exercising the Option and submitting the resale application is agreed by buyer and seller and written in the Option. HDB does not fix it, so you enter it.", "HDB sets the actual completion appointment. Once you have HDB's acceptance date, enter it to replace the estimated range. Buyer and seller can agree in writing to a later completion date." ], "sources": [ { "title": "HDB: Process for buying a resale flat (overview)", "url": "https://www.hdb.gov.sg/buying-a-flat/resale-flats/process-for-buying-a-resale-flat/overview" }, { "title": "HDB: Option to Purchase", "url": "https://www.hdb.gov.sg/buying-a-flat/resale-flats/process-for-buying-a-resale-flat/option-to-purchase" }, { "title": "HDB: Request for Value", "url": "https://www.hdb.gov.sg/buying-a-flat/resale-flats/process-for-buying-a-resale-flat/option-to-purchase/request-for-value" }, { "title": "HDB: Resale application process", "url": "https://www.hdb.gov.sg/buying-a-flat/resale-flats/process-for-buying-a-resale-flat/resale-flat-application/application-process" }, { "title": "HDB: Approval of resale application", "url": "https://www.hdb.gov.sg/buying-a-flat/resale-flats/process-for-buying-a-resale-flat/resale-flat-application/approval-of-application" }, { "title": "HDB: Resale completion", "url": "https://www.hdb.gov.sg/buying-a-flat/resale-flats/process-for-buying-a-resale-flat/resale-flat-completion" }, { "title": "MOM: Public holidays", "url": "https://www.mom.gov.sg/employment-practices/public-holidays" } ] }, { "slug": "legacy-readiness-checklist", "title": "Legacy Readiness Checklist", "category": "Protection & Planning", "description": "A printable checklist for your LPA, will, CPF nomination, insurance nominations, Advance Care Planning and document list. Free, private, no login.", "url": "https://dollarinterest.com/tools/legacy-readiness-checklist", "exampleLink": "https://dollarinterest.com/tools/legacy-readiness-checklist", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "date", "type": "date", "label": "Date", "default": "2026-11-13" } ], "assumptions": [ "This is a general checklist written by our editors. It does not check whether any document you have made is valid, complete or right for your family.", "Not every item applies to everyone. Mark an item \"Does not apply\" and it is left out of the count.", "CPF savings are not covered by a will; they are paid out according to your CPF nomination, or under intestacy or inheritance law if there is none. Insurance nominations and jointly held property also follow their own rules.", "The checklist does not give legal advice. For a will, a trust or anything involving property overseas, speak to a lawyer.", "Nothing you select or type is saved. Print the page, or save it as a PDF, if you want a record." ], "sources": [ { "title": "Office of the Public Guardian: Lasting Power of Attorney", "url": "https://www.msf.gov.sg/what-we-do/opg/lasting-power-of-attorney" }, { "title": "CPF Board: Making a CPF nomination", "url": "https://www.cpf.gov.sg/member/account-services/providing-for-your-loved-ones/making-a-cpf-nomination" }, { "title": "Agency for Integrated Care: Advance Care Planning", "url": "https://www.aic.sg/Care-Services/Advance-Care-Planning-ACP" }, { "title": "My Legacy (Singapore Government end-of-life planning portal)", "url": "https://mylegacy.life.gov.sg/" } ] }, { "slug": "sellers-stamp-duty-calculator", "title": "Seller's Stamp Duty Calculator", "category": "Property & Home Loans", "description": "Check the Seller's Stamp Duty on a Singapore home from your purchase and sale dates, covering both the 3-year and the newer 4-year holding rules.", "url": "https://dollarinterest.com/tools/sellers-stamp-duty-calculator", "exampleLink": "https://dollarinterest.com/tools/sellers-stamp-duty-calculator?price=1200000", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "purchase", "type": "date", "label": "Date you bought the home", "default": "2025-08-01" }, { "name": "sale", "type": "date", "label": "Date you sell it", "default": "2026-11-13" }, { "name": "price", "type": "number", "label": "Sale price or market value", "default": "1200000", "min": "0" } ], "assumptions": [ "Residential property only. Homes bought on or after 4 Jul 2025 use the 4-year holding period (16%, 12%, 8%, 4%). Homes bought from 11 Mar 2017 to 3 Jul 2025 use the 3-year period (12%, 8%, 4%).", "The purchase date is normally the date you exercised the Option to Purchase or signed the Sale and Purchase Agreement, not the date you collected the keys. The sale date is the date your buyer exercises the option or signs. Different dates apply to inherited property, transfers after divorce and SERS replacement flats.", "Duty is charged on the sale price or the market value, whichever is higher. Enter the higher figure.", "A sale that falls exactly on an anniversary of the purchase is treated here as still inside the earlier, more costly year. If your dates are that close, confirm the holding period with IRAS or your lawyer before you commit.", "Does not cover exemptions (such as some HDB flats that must be sold under HDB rules), sales of a part share, or homes bought before 14 Jan 2011." ], "sources": [ { "title": "IRAS: Seller's Stamp Duty (SSD) for residential property", "url": "https://www.iras.gov.sg/taxes/stamp-duty/for-property/selling-or-disposing-property/seller's-stamp-duty-(ssd)-for-residential-property" } ] }, { "slug": "hdb-sale-proceeds-calculator", "title": "HDB Sale Proceeds Calculator", "category": "Property & Home Loans", "description": "Estimate the cash you receive and the CPF refunded to each owner when you sell an HDB flat, after the loan, resale levy, agent commission and fees.", "url": "https://dollarinterest.com/tools/hdb-sale-proceeds-calculator", "exampleLink": "https://dollarinterest.com/tools/hdb-sale-proceeds-calculator?price=600000&loan=120000&cpf1=120000", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "price", "type": "number", "label": "Sale price", "default": "600000", "min": "0" }, { "name": "loan", "type": "number", "label": "Outstanding housing loan", "default": "120000", "min": "0" }, { "name": "cpf1", "type": "number", "label": "Owner 1: CPF principal used", "default": "120000", "min": "0" }, { "name": "int1", "type": "number", "label": "Owner 1: accrued interest", "default": "30000", "min": "0" }, { "name": "cpf2", "type": "number", "label": "Owner 2: CPF principal used", "default": "90000", "min": "0" }, { "name": "int2", "type": "number", "label": "Owner 2: accrued interest", "default": "22000", "min": "0" }, { "name": "commissionPct", "type": "number", "label": "Agent commission", "default": "2", "min": "0", "max": "10" }, { "name": "legal", "type": "number", "label": "Legal and admin fees", "default": "2500", "min": "0" }, { "name": "gst", "type": "checkbox", "label": "Add % GST to the commission (the agency is GST-registered)", "default": "1" }, { "name": "levy", "type": "number", "label": "Resale levy (if any)", "default": "0", "min": "0" } ], "assumptions": [ "You enter the CPF principal and accrued interest yourself. The exact figures are on your CPF Home ownership dashboard (log in with Singpass); the accrued interest calculator on this site gives an estimate.", "The sale price first repays the housing loan, then the CPF refund, and the rest is cash. If the flat is sold at market value and the balance cannot cover the full CPF refund, only the balance is refunded and no cash top-up is needed. A sale below market value is treated differently by CPF Board.", "When the refund is cut short, this tool splits it between two owners in proportion to what each is due. CPF Board decides the actual split.", "CPF refunds include any housing grants you received and their interest; add those to the figures you enter. If you are 55 or older and pledged the flat, the pledged amount is refunded too and is not modelled.", "The resale levy applies only if you are buying a second subsidised flat, and the amount depends on your first flat. Find it in your HDB records. Agent commission is negotiable and GST of 9% is added only if the agency is GST-registered.", "Leaves out prepayment charges on a bank loan, outstanding property tax and town council charges, and the cost of your next home." ], "sources": [ { "title": "CPF Board: CPF refund when selling or transferring property", "url": "https://www.cpf.gov.sg/member/home-ownership/using-your-cpf-to-buy-a-home/cpf-refund-when-selling-or-transferring-property" }, { "title": "CPF Board: Sales proceeds after selling your home", "url": "https://www.cpf.gov.sg/member/infohub/educational-resources/sales-proceeds-after-selling-your-home" }, { "title": "HDB: Sale proceeds calculator", "url": "https://homes.hdb.gov.sg/home/calculator/sale-proceeds" }, { "title": "IRAS: GST and the real estate sector (commission is subject to GST)", "url": "https://www.iras.gov.sg/taxes/goods-services-tax-(gst)/specific-business-sectors/real-estate" }, { "title": "CEA: What to take note of when engaging a property agent", "url": "https://www.cea.gov.sg/consumers/engaging-a-property-agent/what-to-take-note-of-when-engaging-a-property-agent/" } ] }, { "slug": "mop-and-ssd-date-calculator", "title": "MOP And SSD Date Calculator", "category": "For Property Agents & Advisers", "description": "Find the date an HDB flat meets its Minimum Occupation Period and the date Seller's Stamp Duty ends for a private home, under the old and new rules.", "url": "https://dollarinterest.com/tools/mop-and-ssd-date-calculator", "exampleLink": "https://dollarinterest.com/tools/mop-and-ssd-date-calculator?away=0&price=1500000", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "flatType", "type": "select", "label": "Type of flat", "options": [] }, { "name": "keys", "type": "date", "label": "Key collection or resale completion date", "default": "2022-06-01" }, { "name": "away", "type": "number", "label": "Months not lived in the flat", "default": "0", "min": "0", "max": "240" }, { "name": "bought", "type": "date", "label": "Date of purchase", "default": "2025-08-01" }, { "name": "price", "type": "number", "label": "Expected selling price (optional)", "default": "1500000", "min": "0" } ], "assumptions": [ "The Minimum Occupation Period (MOP) is 5 years for Standard and unclassified HDB flats and 10 years for Plus and Prime flats, new or resale. It runs from the key collection date for a new flat, or the resale completion date, and leaves out any time the owners did not live in the flat. HDB's own record in My HDB Page is the one that counts.", "SERS replacement flats and executive condominiums follow different rules and are not covered. Check with HDB or the developer.", "Seller's Stamp Duty (SSD) depends on when the home was bought: a 3-year holding period for purchases from 11 March 2017 to 3 July 2025, and 4 years with higher rates for purchases on or after 4 July 2025. Purchases from 14 January 2011 to 10 March 2017 are also shown; earlier purchases are not.", "The SSD holding period usually runs from the date the Option to Purchase was exercised or the Sale and Purchase Agreement was signed, to the same kind of date on the sale. It does not run from key collection. For a new HDB flat it runs from the Agreement for Lease.", "SSD is charged on the selling price or market value, whichever is higher. Exemptions, inheritance, transfers within a family and part-shares bought at different times are not modelled." ], "sources": [ { "title": "HDB: Conditions after buying a new flat (Minimum Occupation Period)", "url": "https://www.hdb.gov.sg/buying-a-flat/bto-sbf-and-open-booking-of-flats/conditions-after-buying-a-new-flat" }, { "title": "HDB: Conditions after buying a resale flat", "url": "https://www.hdb.gov.sg/buying-a-flat/resale-flats/conditions-after-buying-a-resale-flat" }, { "title": "IRAS: Seller's Stamp Duty for residential property", "url": "https://www.iras.gov.sg/taxes/stamp-duty/for-property/selling-or-disposing-property/seller's-stamp-duty-(ssd)-for-residential-property" } ] }, { "slug": "retirement-timeline-calculator", "title": "Retirement Timeline: When Will My Money Run Out?", "category": "CPF & Retirement", "description": "Map your CPF LIFE payout, Ordinary Account, cash savings and rising expenses year by year to see the age your savings run short. Free, no login.", "url": "https://dollarinterest.com/tools/retirement-timeline-calculator", "exampleLink": "https://dollarinterest.com/tools/retirement-timeline-calculator?age=65&retireAge=65&spend=4000", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "age", "type": "number", "label": "Your age now", "default": "65", "min": "30", "max": "90" }, { "name": "retireAge", "type": "number", "label": "Age you stop work", "default": "65", "min": "30", "max": "90" }, { "name": "spend", "type": "number", "label": "Monthly spending today", "default": "4000", "min": "0" }, { "name": "inflation", "type": "number", "label": "Yearly rise in prices", "default": "2", "min": "0", "max": "10" }, { "name": "lifePayout", "type": "number", "label": "CPF LIFE payout each month", "default": "2800", "min": "0" }, { "name": "lifeStart", "type": "number", "label": "Payouts start at age" }, { "name": "otherIncome", "type": "number", "label": "Other monthly income", "default": "0", "min": "0" }, { "name": "cash", "type": "number", "label": "Cash savings", "default": "100000", "min": "0" }, { "name": "cashRate", "type": "number", "label": "Interest on cash", "default": "1", "min": "0", "max": "10" }, { "name": "oa", "type": "number", "label": "CPF Ordinary Account", "default": "150000", "min": "0" }, { "name": "oaRate", "type": "number", "label": "Ordinary Account rate", "min": "0", "max": "10" }, { "name": "oneOff", "type": "number", "label": "Amount", "default": "0", "min": "0" }, { "name": "oneOffAge", "type": "number", "label": "At age", "default": "68", "min": "30" } ], "assumptions": [ "Spending rises every year at the inflation rate you enter, starting from today. Your CPF LIFE payout and other income stay level, as on the CPF LIFE Standard Plan. The Escalating Plan and any future adjustment to payouts are not modelled.", "Each year's shortfall is drawn at the start of the year, from cash savings first and then from your Ordinary Account. What remains earns a full year of interest at the rates you enter, held constant. A surplus is added to cash savings.", "The CPF LIFE payout is your own figure, not one this tool works out. Get your estimate from the CPF website. Payouts can start from 65 and be deferred up to 70.", "Enter only the Ordinary Account savings you can actually withdraw. Before 55 the tool does not draw on the Ordinary Account at all. The default 2.5% is the current rate and the legislated minimum.", "Extra CPF interest, tax, investment gains or losses, the value of your home, MediSave, insurance payouts and large medical or care costs are left out, apart from the single one-off cost you can add.", "Before retirement, the tool assumes you neither add to nor draw from these savings: they only earn interest." ], "sources": [ { "title": "CPF Board: How much CPF payouts can I get every month?", "url": "https://www.cpf.gov.sg/service/article/how-much-cpf-payouts-can-i-get-every-month" }, { "title": "CPF Board: CPF LIFE", "url": "https://www.cpf.gov.sg/member/retirement-income/monthly-payouts/cpf-life" }, { "title": "CPF Board: Monthly Payout Estimator (official)", "url": "https://www.cpf.gov.sg/payoutestimator" }, { "title": "CPF Board: Earning attractive interest", "url": "https://www.cpf.gov.sg/member/growing-your-savings/earning-higher-returns/earning-attractive-interest" }, { "title": "CPF Board: Withdrawing for immediate retirement needs", "url": "https://www.cpf.gov.sg/member/retirement-income/retirement-withdrawals/withdrawing-for-immediate-retirement-needs" } ] }, { "slug": "savings-goal-calculator", "title": "Savings Goal Calculator", "category": "Everyday Money", "description": "Find the monthly saving needed to reach a goal by a set date, shown side by side at 0% and at two assumed rates, so you can see how much the rate matters.", "url": "https://dollarinterest.com/tools/savings-goal-calculator", "exampleLink": "https://dollarinterest.com/tools/savings-goal-calculator?goal=50000&years=5¤t=5000", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "goal", "type": "number", "label": "Amount you want to reach", "default": "50000", "min": "0" }, { "name": "years", "type": "number", "label": "In how many years", "default": "5", "min": "0.5", "max": "60" }, { "name": "current", "type": "number", "label": "Already saved for this", "default": "5000", "min": "0" }, { "name": "rateA", "type": "number", "label": "Assumed rate A", "default": "2", "min": "0", "max": "30" }, { "name": "rateB", "type": "number", "label": "Assumed rate B", "default": "4", "min": "0", "max": "30" } ], "assumptions": [ "The two rates are your own assumptions, held steady for the whole period. They are illustrations, not guaranteed. The 0% column shows what you need if your savings earn nothing.", "You save the same amount at the end of every month, and growth is added monthly.", "The goal is in future dollars. If the thing you are saving for is likely to cost more by then, raise the goal amount.", "Ignores fees, charges and tax on returns." ], "sources": [ { "title": "MoneySense: Managing your money", "url": "https://www.moneysense.gov.sg/managing-your-money/" }, { "title": "MoneySense: Setting financial goals at every life stage", "url": "https://www.moneysense.gov.sg/investments/financial-goals/" } ] }, { "slug": "shield-premium-medisave-calculator", "title": "Shield Premiums: What MediSave Pays and What You Pay in Cash", "category": "Protection & Planning", "description": "Estimate how much of your Integrated Shield plan premium MediSave covers each year, the cash you pay for the plan and rider, and when the cash bill jumps.", "url": "https://dollarinterest.com/tools/shield-premium-medisave-calculator", "exampleLink": "https://dollarinterest.com/tools/shield-premium-medisave-calculator?age=45", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "age", "type": "number", "label": "Age next birthday", "default": "45", "min": "1" }, { "name": "toAge", "type": "select", "label": "Project to age", "options": [] }, { "name": "basis", "type": "select", "label": "The plan premiums I type are", "options": [ "total", "private" ] } ], "assumptions": [ "Premiums are the ones you type from your insurer's premium table, at today's prices. The starting figures are round illustrations, not any insurer's prices. Insurers revise premiums from time to time, usually upwards, so later years may cost more than shown.", "MediShield Life premiums come from MOH's table before subsidies, for policies starting or renewing from 1 April 2025. They are fully payable by MediSave, so subsidies change how much MediSave is used but not the cash you pay.", "MediSave pays the additional private insurance part of the plan up to the Additional Withdrawal Limit for the insured person's age next birthday: $300 a year at 40 and below, $600 at 41 to 70 and $900 from 71. The rest of the plan premium, and the whole rider premium, is paid in cash.", "Assumes the MediSave Account paying the premium (yours or a family member's) always has enough in it. If it runs short, more has to be paid in cash.", "One row per policy year, by age next birthday. The limits are those in force on 13 November 2026 and can change. Other health policies that are not Integrated Shield plans are left out." ], "sources": [ { "title": "MOH: About Integrated Shield Plans (MediSave limits)", "url": "https://www.moh.gov.sg/healthcare-schemes-subsidies/medishield-life/about-integrated-shield-plans" }, { "title": "CPF Board: What are Additional Withdrawal Limits for Integrated Shield Plan premiums?", "url": "https://www.cpf.gov.sg/service/article/what-are-additional-withdrawal-limits-awls-for-integrated-shield-plan-ip-premiums" }, { "title": "MOH: MediShield Life premium and subsidy tables", "url": "https://www.moh.gov.sg/managing-expenses/schemes-and-subsidies/medishield-life/medishield-life-premium-and-subsidy-tables/" }, { "title": "MoneySense: Understanding Integrated Shield Plans (riders paid in cash)", "url": "https://www.moneysense.gov.sg/integrated-shield-plans" } ] }, { "slug": "intestacy-shares-calculator", "title": "Who Inherits if There Is No Will? (Non-Muslims)", "category": "Protection & Planning", "description": "See who inherits, and how much, when a non-Muslim in Singapore dies without a will: Intestate Succession Act shares for spouse, children, parents, siblings.", "url": "https://dollarinterest.com/tools/intestacy-shares-calculator", "exampleLink": "https://dollarinterest.com/tools/intestacy-shares-calculator?children=2&deadChildren=0&grandchildrenEach=0", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "spouse", "type": "checkbox", "label": "Leaves a husband or wife", "default": "1" }, { "name": "children", "type": "number", "label": "Children alive", "default": "2", "min": "0" }, { "name": "deadChildren", "type": "number", "label": "Children who died earlier, leaving children", "default": "0", "min": "0" }, { "name": "grandchildrenEach", "type": "number", "label": "Children each of them left (optional)", "default": "0", "min": "0" }, { "name": "parents", "type": "select", "label": "Parents alive", "options": [ "0", "1", "2" ] }, { "name": "siblings", "type": "number", "label": "Brothers and sisters alive", "default": "2", "min": "0" }, { "name": "deadSiblings", "type": "number", "label": "Brothers and sisters who died earlier, leaving children", "default": "0", "min": "0" }, { "name": "grandparents", "type": "number", "label": "Grandparents alive", "default": "0", "min": "0" }, { "name": "unclesAunts", "type": "number", "label": "Uncles and aunts alive", "default": "0", "min": "0" }, { "name": "estate", "type": "number", "label": "Estate value after debts (optional)", "default": "600000", "min": "0" } ], "assumptions": [ "Applies the distribution rules in section 7 of the Intestate Succession Act 1967 for a non-Muslim who dies domiciled in Singapore without a valid will. It does not apply to Muslims, whose estates follow Muslim law (faraid).", "The estate value is what is left after debts, funeral costs and administration expenses. CPF savings, a flat held in joint tenancy, and insurance policies with a valid nomination usually pass outside the estate, so leave them out.", "\"Children\" means legitimate children and children adopted by court order, as the Act defines them. The Public Trustee's Office notes that illegitimate children are not entitled under these rules.", "Brothers and sisters means full siblings. Under the Act, half-siblings rank after full siblings and take only if there are none. A child who died earlier is represented by his or her own children in equal shares; the tool does not model deeper generations.", "General information, not legal advice. Real estates can involve foreign assets, partial wills, disputes or relatives the form does not ask about. A lawyer or the Public Trustee's Office can confirm the position for a specific estate." ], "sources": [ { "title": "Singapore Statutes Online: Intestate Succession Act 1967 (sections 2, 3, 6 and 7)", "url": "https://sso.agc.gov.sg/Act/ISA1967" }, { "title": "Public Trustee's Office: Information for next-of-kin (estate monies)", "url": "https://pto.mlaw.gov.sg/deceased-cpf-estate-monies/information-for-next-of-kin-estate-monies/" }, { "title": "MoneySense: Intestacy, what if you don't have an estate plan", "url": "https://www.moneysense.gov.sg/intestacy-what-if-you-don-t-have-an-estate-plan/" }, { "title": "CPF Board: Making a CPF nomination", "url": "https://www.cpf.gov.sg/member/account-services/providing-for-your-loved-ones/making-a-cpf-nomination" }, { "title": "HDB: Retain flat following life events", "url": "https://www.hdb.gov.sg/managing-my-home/home-ownership/change-of-flat-owners-or-occupiers/retain-flat-following-life-events" } ] }, { "slug": "cpf-accrued-interest-calculator", "title": "CPF Accrued Interest Calculator", "category": "Property & Home Loans", "description": "Estimate the CPF principal and accrued interest to refund when you sell your home, from your downpayment and monthly CPF instalments. Free, no login.", "url": "https://dollarinterest.com/tools/cpf-accrued-interest-calculator", "exampleLink": "https://dollarinterest.com/tools/cpf-accrued-interest-calculator?lump=100000&monthly=800&years=30", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "lump", "type": "number", "label": "CPF lump sum used at purchase", "default": "100000", "min": "0" }, { "name": "start", "type": "date", "label": "Date of purchase", "default": "2016-11-01" }, { "name": "end", "type": "date", "label": "Date of sale", "default": "2026-11-13" }, { "name": "monthly", "type": "number", "label": "Monthly instalment paid from CPF", "default": "800", "min": "0" }, { "name": "years", "type": "number", "label": "Paid from CPF for", "default": "30", "min": "0", "max": "40" }, { "name": "rate", "type": "number", "label": "CPF Ordinary Account interest rate", "min": "0", "max": "10" } ], "assumptions": [ "An estimate for planning. Your CPF Home ownership dashboard (log in with Singpass) shows the exact principal, accrued interest and refund, worked out on every actual withdrawal.", "Follows the method CPF Board describes: interest at the Ordinary Account rate, computed monthly and compounded once a year. The timing details are our assumptions: each withdrawal starts to earn interest from the following month, and interest is added to the total at the end of each December.", "One rate is used for the whole period. The Ordinary Account rate is 2.5% a year for October to December 2026, which is also its legislated minimum, and it has been 2.5% for many years. Change it if you want to test another rate.", "Assumes one lump sum at purchase and the same monthly amount from CPF throughout. Add stamp duty, legal fees and housing grants paid from or into CPF to the lump sum. Lump-sum repayments, changes in instalment and voluntary refunds are not modelled.", "Shows one owner at a time. For joint owners, run it once for each person." ], "sources": [ { "title": "CPF Board: Why do I need to refund the accrued interest on CPF savings used for my property?", "url": "https://www.cpf.gov.sg/service/article/why-do-i-need-to-refund-the-accrued-interest-on-the-amount-of-cpf-savings-used-for-my-property" }, { "title": "CPF Board: How is my CPF interest computed and credited into my accounts?", "url": "https://www.cpf.gov.sg/service/article/how-is-my-cpf-interest-computed-and-credited-into-my-accounts" }, { "title": "CPF Board: CPF refund when selling or transferring property", "url": "https://www.cpf.gov.sg/member/home-ownership/using-your-cpf-to-buy-a-home/cpf-refund-when-selling-or-transferring-property" }, { "title": "CPF Board: What are the CPF interest rates?", "url": "https://www.cpf.gov.sg/service/article/what-are-the-cpf-interest-rates" } ] }, { "slug": "emergency-fund-calculator", "title": "Emergency Fund Calculator", "category": "Everyday Money", "description": "Work out an emergency fund target from your essential monthly expenses, using the MAS and MoneySense 3 to 6 months guide, and how long the gap takes to close.", "url": "https://dollarinterest.com/tools/emergency-fund-calculator", "exampleLink": "https://dollarinterest.com/tools/emergency-fund-calculator?dependants=1&have=6000&save=500", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "situation", "type": "select", "label": "Income situation", "options": [ "single", "dual", "self", "retiree" ] }, { "name": "dependants", "type": "number", "label": "People who depend on your income", "default": "1", "min": "0", "max": "12" }, { "name": "have", "type": "number", "label": "Set aside so far", "default": "6000", "min": "0" }, { "name": "save", "type": "number", "label": "You can add each month", "default": "500", "min": "0" } ], "assumptions": [ "The range comes from the Basic Financial Planning Guide by MAS and MoneySense: at least 3 to 6 months of expenses, or 12 months if your income is irregular. It is a rule of thumb, not a requirement.", "The guide gives no separate figure for retirees, single-income homes or households with dependants. Where this tool points you to the upper end of the range for those cases, that is our own cautious reading, not an official rule.", "Counts only the essential expenses you enter. Leave out spending you would cut in an emergency.", "Months to close the gap assume a steady monthly saving and no interest earned on the fund.", "Does not count insurance payouts, retrenchment benefits, CPF or investments you could sell. An emergency fund is usually kept where you can reach it quickly without loss." ], "sources": [ { "title": "MAS and MoneySense: Basic Financial Planning Guide (PDF)", "url": "https://www.mas.gov.sg/-/media/mas-media-library/news/media-releases/2023/basic-financial-planning-guide-2023.pdf" }, { "title": "MAS: Launch of the Basic Financial Planning Guide", "url": "https://www.mas.gov.sg/news/media-releases/2023/mas-and-financial-industry-launch-basic-financial-planning-guide" }, { "title": "MoneySense: Managing your money", "url": "https://www.moneysense.gov.sg/managing-your-money/" } ] }, { "slug": "financial-freedom-calculator", "title": "Financial Freedom Calculator", "category": "CPF & Retirement", "description": "Estimate the savings you need to stop work, and how long it could take to get there under low, middle and high return scenarios. Free, no login.", "url": "https://dollarinterest.com/tools/financial-freedom-calculator", "exampleLink": "https://dollarinterest.com/tools/financial-freedom-calculator?age=40&have=200000&save=2000", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "age", "type": "number", "label": "Your age", "default": "40", "min": "18", "max": "90" }, { "name": "have", "type": "number", "label": "Savings and investments now", "default": "200000", "min": "0" }, { "name": "save", "type": "number", "label": "You add each month", "default": "2000", "min": "0" }, { "name": "spend", "type": "number", "label": "Yearly spending once you stop work", "default": "48000", "min": "0" }, { "name": "wr", "type": "number", "label": "Withdrawal rate", "min": "1", "max": "10" }, { "name": "useLife", "type": "checkbox", "label": "Count my CPF LIFE payout as income, so my savings need to cover less", "default": "0" }, { "name": "life", "type": "number", "label": "CPF LIFE payout each month", "default": "1500", "min": "0" }, { "name": "lifeAge", "type": "number", "label": "Payouts start at age" }, { "name": "low", "type": "number", "label": "Low", "default": "1", "min": "-5", "max": "15" }, { "name": "mid", "type": "number", "label": "Middle", "default": "3", "min": "-5", "max": "15" }, { "name": "high", "type": "number", "label": "High", "default": "5", "min": "-5", "max": "15" } ], "assumptions": [ "The three rates of return are your own assumptions, shown as an illustration. They are not forecasts and not guaranteed. Investments can fall in value, and a real-life path is never a smooth yearly rate.", "Everything is in today's dollars. The returns you enter are \"real\" returns, meaning after inflation, so your spending figure does not need to be raised for future prices.", "The target is your yearly spending divided by the withdrawal rate. The default 4% is a rule of thumb drawn from historical United States market data over 30-year retirements. It is not a guarantee, and it may not hold for Singapore, for longer retirements or for future markets.", "If you include CPF LIFE, the payout is treated as income in today's dollars that lowers the amount your own savings must cover. A level payout buys less over time, so this understates the target somewhat. It also assumes the payout has started: if you reach your number before the payout age, you need extra savings to bridge the years in between.", "Monthly saving stays level in today's dollars. Fees, tax, CPF balances, property and changes in your spending are left out." ], "sources": [ { "title": "MoneySense: Planning for retirement", "url": "https://www.moneysense.gov.sg/retirement-planning/" }, { "title": "CPF Board: CPF LIFE", "url": "https://www.cpf.gov.sg/member/retirement-income/monthly-payouts/cpf-life" }, { "title": "CPF Board: Monthly Payout Estimator (official)", "url": "https://www.cpf.gov.sg/payoutestimator" }, { "title": "Bengen (1994), Determining Withdrawal Rates Using Historical Data, Journal of Financial Planning (origin of the 4% rule)", "url": "https://www.financialplanningassociation.org/sites/default/files/2021-04/MAR04%20Determining%20Withdrawal%20Rates%20Using%20Historical%20Data.pdf" } ] }, { "slug": "hdb-upgrade-calculator", "title": "HDB Upgrade Calculator", "category": "Property & Home Loans", "description": "Upgrading from an HDB flat? Estimate your cash and CPF after the sale, stamp duty, the loan TDSR and LTV allow, and whether you have a funding gap.", "url": "https://dollarinterest.com/tools/hdb-upgrade-calculator", "exampleLink": "https://dollarinterest.com/tools/hdb-upgrade-calculator?salePrice=650000&saleLoan=200000&cpfPrincipal=220000", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "salePrice", "type": "number", "label": "Expected sale price", "default": "650000", "min": "0" }, { "name": "saleLoan", "type": "number", "label": "Outstanding housing loan", "default": "200000", "min": "0" }, { "name": "cpfMode", "type": "select", "label": "CPF used for the flat", "options": [ "known", "lump", "spread" ] }, { "name": "cpfPrincipal", "type": "number", "label": "CPF principal used, all owners", "default": "220000", "min": "0" }, { "name": "cpfInterest", "type": "number", "label": "Accrued interest, all owners", "default": "40000", "min": "0" }, { "name": "cpfYears", "type": "number", "label": "Years since first use", "default": "10", "min": "0", "max": "60" }, { "name": "commissionPct", "type": "number", "label": "Agent commission on the sale", "default": "2", "min": "0", "max": "10" }, { "name": "saleLegal", "type": "number", "label": "Legal fees for the sale", "default": "2500", "min": "0" }, { "name": "gst", "type": "checkbox", "label": "Add % GST to the commission (the agency is GST-registered)", "default": "1" }, { "name": "newPrice", "type": "number", "label": "Price of the new home", "default": "1500000", "min": "0" }, { "name": "target", "type": "select", "label": "Type of home and loan", "options": [ "private", "hdb-bank", "hdb-hdb" ] }, { "name": "profile", "type": "select", "label": "Buyers (married couple)", "options": [ "sc", "scspr", "spr" ] }, { "name": "order", "type": "select", "label": "Order of sale and purchase", "options": [ "sell", "buy" ] }, { "name": "buyLegal", "type": "number", "label": "Legal and other buying fees", "default": "3000", "min": "0" }, { "name": "reno", "type": "number", "label": "Renovation and furnishing", "default": "60000", "min": "0" }, { "name": "income", "type": "number", "label": "Fixed monthly income, both buyers", "default": "14000", "min": "0" }, { "name": "variable", "type": "number", "label": "Variable income a month", "default": "0", "min": "0" }, { "name": "otherDebt", "type": "number", "label": "Other monthly debt repayments", "default": "0", "min": "0" }, { "name": "currentInstalment", "type": "number", "label": "Current flat's monthly instalment", "default": "1100", "min": "0" }, { "name": "age", "type": "number", "label": "Age of the borrowers", "default": "40", "min": "21", "max": "75" }, { "name": "tenure", "type": "number", "label": "Loan tenure", "default": "25", "min": "1", "max": "35" }, { "name": "rate", "type": "number", "label": "Interest rate you expect to pay", "default": "3", "min": "0", "max": "15" }, { "name": "cash", "type": "number", "label": "Cash savings you can put in", "default": "80000", "min": "0" }, { "name": "cpfOa", "type": "number", "label": "CPF Ordinary Account balances today, both buyers", "default": "60000", "min": "0" } ], "assumptions": [ "The sale price repays the housing loan first, then the CPF refund, then selling costs, following CPF Board. If you are 55 or older, CPF Board tops up your Retirement Account first, so less of the refund may be free for the next home.", "The loan is tested at 4% (or your own rate if higher) for bank loans and at HDB's floor for HDB loans, against 55% TDSR and, for HDB flats, 30% MSR. Banks and HDB make their own assessment.", "Valuation is assumed equal to the price. Any amount above valuation is cash only, and CPF use is capped at the lower of price or valuation unless you have set aside your Basic Retirement Sum.", "ABSD assumes a married couple buying jointly in both names only. Buying first, ABSD is paid upfront and refunded by IRAS only if the flat is sold within the six-month window and all other conditions are met.", "For an HDB loan, the tool assumes two buyers and applies HDB's rule that a second-timer uses the CPF refund and part of the cash proceeds first. Income ceilings, the resale levy and grants are not checked.", "Leaves out cash over valuation, option fees timing, mortgage duty, fire insurance, moving costs, bridging loan interest and any change in rates. Estimates only." ], "sources": [ { "title": "CPF Board: CPF refund when selling or transferring property", "url": "https://www.cpf.gov.sg/member/home-ownership/using-your-cpf-to-buy-a-home/cpf-refund-when-selling-or-transferring-property" }, { "title": "CPF Board: How much CPF savings you can use for your home purchase", "url": "https://www.cpf.gov.sg/member/infohub/educational-resources/how-much-cpf-savings-you-can-use-for-your-home-purchase" }, { "title": "CPF Board: Which property-related fees can I use my CPF savings for?", "url": "https://www.cpf.gov.sg/service/article/which-property-related-fees-can-i-use-my-cpf-savings-for" }, { "title": "IRAS: Remission of ABSD for a married couple", "url": "https://www.iras.gov.sg/taxes/stamp-duty/for-property/appeals-refunds-reliefs-and-remissions/common-stamp-duty-remissions-and-reliefs-for-property/remission-of-absd-for-a-married-couple" }, { "title": "IRAS: Buyer's Stamp Duty (BSD)", "url": "https://www.iras.gov.sg/taxes/stamp-duty/for-property/buying-or-acquiring-property/buyer's-stamp-duty-(bsd)" }, { "title": "MAS: MSR and TDSR rules", "url": "https://www.mas.gov.sg/regulation/explainers/new-housing-loans/msr-and-tdsr-rules" }, { "title": "MAS: Loan tenure and loan-to-value limits", "url": "https://www.mas.gov.sg/regulation/explainers/new-housing-loans/loan-tenure-and-loan-to-value-limits" }, { "title": "MyNiceHome (HDB): Housing loans for HDB flat buyers", "url": "https://www.mynicehome.gov.sg/get-started/hdb-loans-guide/" } ] }, { "slug": "rental-stamp-duty-calculator", "title": "Rental Stamp Duty Calculator", "category": "For Property Agents & Advisers", "description": "Work out stamp duty on a Singapore tenancy agreement at current IRAS rates from the monthly rent and lease term. Shows who usually pays and the deadline.", "url": "https://dollarinterest.com/tools/rental-stamp-duty-calculator", "exampleLink": "https://dollarinterest.com/tools/rental-stamp-duty-calculator?rent=3500&months=24", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "rent", "type": "number", "label": "Monthly rent, with other charges", "default": "3500", "min": "0" }, { "name": "months", "type": "number", "label": "Lease term", "default": "24", "min": "1", "max": "1200" }, { "name": "indefinite", "type": "checkbox", "label": "The lease has no fixed end date", "default": "0" }, { "name": "signed", "type": "date", "label": "Date the agreement is signed", "default": "2026-11-13" }, { "name": "where", "type": "select", "label": "Where it is signed", "options": [ "sg", "overseas" ] } ], "assumptions": [ "Uses the IRAS lease duty rates: 0.4% of the total rent for a lease of 4 years or less, and 0.4% of 4 times the average annual rent for a longer or open-ended lease. A lease is exempt if the average annual rent is $1,000 or less. Duty is rounded down to the nearest dollar, with a minimum of $1.", "Assumes the same rent every month. For a stepped rent, enter the average monthly rent over the whole lease (total rent divided by the number of months): the duty comes out the same.", "Rent includes other charges under the agreement, such as furniture, fittings, maintenance and service charges, but not GST. IRAS charges duty on the contract rent or the market rent, whichever is higher; this tool uses the rent you enter.", "Does not cover a lease with a premium, rent based on sales turnover, or a renewal, extension or change to an existing lease, which are each stamped on their own terms.", "The tenancy agreement normally states who pays the stamp duty. Where it is silent, the Stamp Duties Act puts lease duty on the tenant." ], "sources": [ { "title": "IRAS: Renting a property (lease duty rates)", "url": "https://www.iras.gov.sg/taxes/stamp-duty/for-property/renting-a-property" }, { "title": "IRAS: When to pay stamp duty", "url": "https://www.iras.gov.sg/taxes/stamp-duty/for-property/paying-stamp-duty/when-to-pay-stamp-duty" }, { "title": "IRAS: Who should pay stamp duty", "url": "https://www.iras.gov.sg/taxes/stamp-duty/for-property/basics-of-stamp-duty-for-property/who-should-pay-stamp-duty" }, { "title": "IRAS: Late payment of stamp duty", "url": "https://www.iras.gov.sg/taxes/stamp-duty/for-property/paying-stamp-duty/late-payment-of-stamp-duty" } ] }, { "slug": "cpf-oa-vs-invest-calculator", "title": "CPF OA vs Investing Calculator", "category": "CPF & Retirement", "description": "Compare the guaranteed CPF Ordinary Account rate with three investment return scenarios you set, including a poor one, after yearly fees. Free, no login.", "url": "https://dollarinterest.com/tools/cpf-oa-vs-invest-calculator", "exampleLink": "https://dollarinterest.com/tools/cpf-oa-vs-invest-calculator?amount=50000&years=15&poor=-1", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "amount", "type": "number", "label": "Ordinary Account savings you could invest", "default": "50000", "min": "0" }, { "name": "years", "type": "number", "label": "For how long", "default": "15", "min": "1", "max": "50" }, { "name": "oaRate", "type": "number", "label": "Ordinary Account rate", "min": "0", "max": "10" }, { "name": "poor", "type": "number", "label": "Poor outcome", "default": "-1", "min": "-20", "max": "20" }, { "name": "mid", "type": "number", "label": "Middle outcome", "default": "4", "min": "-20", "max": "20" }, { "name": "good", "type": "number", "label": "Good outcome", "default": "7", "min": "-20", "max": "20" }, { "name": "fee", "type": "number", "label": "Fees", "default": "1", "min": "0", "max": "5" } ], "assumptions": [ "The Ordinary Account earns the rate you enter every year. The default 2.5% is the current rate and the legislated minimum; CPF reviews the rate every quarter.", "The three investment returns are your own assumptions, shown as an illustration. They are not forecasts and not guaranteed. Real investments do not grow at a steady yearly rate: they rise and fall, and you can lose part or all of what you put in.", "Each scenario applies the same return every year and takes the yearly fee off the balance at the end of each year. Sales charges, platform and transaction fees charged in other ways are left out, so add them to the fee if they apply.", "Only Ordinary Account savings above $20,000 can be invested under the CPF Investment Scheme. This tool compares a single lump sum and ignores new contributions.", "Extra CPF interest is left out. It is paid on up to $20,000 of Ordinary Account savings, which is the part that has to stay in the account anyway.", "Money invested from the Ordinary Account, and any gains, go back to your CPF when you sell. It does not become cash in hand." ], "sources": [ { "title": "CPF Board: Earning attractive interest", "url": "https://www.cpf.gov.sg/member/growing-your-savings/earning-higher-returns/earning-attractive-interest" }, { "title": "CPF Board: Investing your CPF savings (CPF Investment Scheme)", "url": "https://www.cpf.gov.sg/member/growing-your-savings/earning-higher-returns/investing-your-cpf-savings" }, { "title": "MoneySense: Investing", "url": "https://www.moneysense.gov.sg/investments/" } ] }, { "slug": "debt-payoff-calculator", "title": "Debt Payoff Calculator", "category": "Everyday Money", "description": "See how many months it takes to clear a credit card or personal loan balance, the total interest, and how paying the minimum only or a bit more changes it.", "url": "https://dollarinterest.com/tools/debt-payoff-calculator", "exampleLink": "https://dollarinterest.com/tools/debt-payoff-calculator?balance=5000&pay=250&extra=100", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "balance", "type": "number", "label": "Balance owed", "default": "5000", "min": "0" }, { "name": "rate", "type": "number", "label": "Interest rate", "min": "0", "max": "60" }, { "name": "pay", "type": "number", "label": "You pay each month", "default": "250", "min": "0" }, { "name": "extra", "type": "number", "label": "What if you paid this much more", "default": "100", "min": "0" }, { "name": "minPct", "type": "number", "label": "Percentage of balance", "min": "0", "max": "100" }, { "name": "minFloor", "type": "number", "label": "Or at least", "min": "0" } ], "assumptions": [ "You type in the interest rate from your own statement or loan contract. The starting figure of 25% a year is the rate MoneySense uses in its credit card example; MoneySense describes card interest as about 25% to 29% a year. Your rate may differ.", "The minimum payment rule starts at the higher of 3% of the balance or $50, as described by MoneySense. Each bank sets its own rule, so change it to match your card's terms.", "Interest is charged monthly at one-twelfth of the yearly rate on the balance owed. Banks charge card interest daily, so real figures will be slightly different.", "Assumes no new spending on the card, no late fees, no annual fees and a rate that does not change.", "For a personal loan with fixed instalments, use the effective interest rate (EIR) in your contract, not the lower flat or \"applied\" rate." ], "sources": [ { "title": "MoneySense: Understanding credit card interest and charges", "url": "https://www.moneysense.gov.sg/understanding-credit-card-interest-and-charges/" }, { "title": "MoneySense: Understanding credit cards", "url": "https://www.moneysense.gov.sg/understanding-credit-cards/" }, { "title": "MoneySense: Managing debt: what can you do?", "url": "https://www.moneysense.gov.sg/managing-debt-what-can-you-do/" } ] }, { "slug": "refinancing-savings-calculator", "title": "Refinancing Savings Calculator", "category": "Property & Home Loans", "description": "See whether refinancing or repricing your Singapore home loan pays off: new instalment, interest saved after fees and penalties, and break-even month.", "url": "https://dollarinterest.com/tools/refinancing-savings-calculator", "exampleLink": "https://dollarinterest.com/tools/refinancing-savings-calculator?loan=500000&years=20¤t=3.5", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "loan", "type": "number", "label": "Outstanding loan", "default": "500000", "min": "0" }, { "name": "years", "type": "number", "label": "Remaining tenure", "default": "20", "min": "1", "max": "35" }, { "name": "current", "type": "number", "label": "Current interest rate", "default": "3.5", "min": "0", "max": "15" }, { "name": "newRate", "type": "number", "label": "New interest rate", "default": "2.5", "min": "0", "max": "15" }, { "name": "newYears", "type": "number", "label": "New tenure", "default": "20", "min": "0", "max": "35" }, { "name": "fees", "type": "number", "label": "Legal and valuation fees", "default": "2500", "min": "0" }, { "name": "penalty", "type": "number", "label": "Penalty or clawback", "default": "0", "min": "0" }, { "name": "horizon", "type": "number", "label": "Compare over", "default": "2", "min": "1", "max": "35" } ], "assumptions": [ "Compares two loans at fixed rates over the period you choose. Real packages change rate after the lock-in period, so compare over the lock-in period of the new loan and look again when it ends.", "Interest saved is the difference in interest charged over the period. The saving in your monthly instalment can be larger or smaller than this if the two loans have different tenures.", "Costs are whatever you enter: legal and valuation fees, any penalty for leaving during a lock-in period, and any subsidy your current lender claws back. Deduct any cash rebate or legal subsidy the new lender offers.", "A new lender must assess you again under the rules that apply to refinancing, and a longer tenure lowers the instalment but usually raises total interest. A loan from a bank cannot be switched back to an HDB loan.", "No rates are suggested here. Enter the rates you have actually been quoted." ], "sources": [ { "title": "MAS: Refinancing rules for housing loans", "url": "https://www.mas.gov.sg/regulation/explainers/refinancing-housing-loans" }, { "title": "MoneySense: Buying a property, how much can you afford? (HDB loans and bank loans compared)", "url": "https://www.moneysense.gov.sg/buying-a-property-how-much-can-you-afford/" } ] }, { "slug": "cashback-vs-miles-calculator", "title": "Cashback vs Miles Calculator", "category": "Everyday Money", "description": "Compare the yearly value of cashback against air miles for your own card spending, after caps and annual fees, and find your break-even value per mile.", "url": "https://dollarinterest.com/tools/cashback-vs-miles-calculator", "exampleLink": "https://dollarinterest.com/tools/cashback-vs-miles-calculator?cpm=1.57&feeCb=0&feeMiles=0", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "cpm", "type": "number", "label": "What a mile is worth to you", "default": "1.57", "min": "0", "max": "20" }, { "name": "feeCb", "type": "number", "label": "Cashback card annual fee", "default": "0", "min": "0" }, { "name": "feeMiles", "type": "number", "label": "Miles card annual fee", "default": "0", "min": "0" }, { "name": "conv", "type": "number", "label": "Miles conversion fees a year", "default": "0", "min": "0" }, { "name": "minSpend", "type": "number", "label": "Cashback card minimum spend a month", "default": "0", "min": "0" } ], "assumptions": [ "Every rate, cap, fee and the value per mile is typed in by you from the cards' terms and your own redemption plans. The starting figures are invented for illustration and describe no real card.", "The value of a mile is an assumption, not a fact. It depends on what you redeem for, and counts only if you would have paid cash for that trip.", "Assumes you pay every statement in full. If you carry a balance, card interest (MoneySense cites about 25% to 29% a year) outweighs any reward.", "Assumes the same spending every month, that all miles are redeemed before they expire, and that exclusions in the card terms do not apply to your spending.", "A cashback cap of 0 means no cap. The minimum spend applies to the cashback card as a whole: below it, no cashback is counted for that month." ], "sources": [ { "title": "MoneySense: Understanding credit cards", "url": "https://www.moneysense.gov.sg/understanding-credit-cards/" }, { "title": "MoneySense: Understanding credit card interest and charges", "url": "https://www.moneysense.gov.sg/understanding-credit-card-interest-and-charges/" } ] }, { "slug": "cpf-life-deferral-calculator", "title": "CPF LIFE: Start at 65 or Defer to 70?", "category": "CPF & Retirement", "description": "Estimate how much higher CPF LIFE payouts could be if you start after 65, the total received by each age and the age when waiting catches up. Free.", "url": "https://dollarinterest.com/tools/cpf-life-deferral-calculator", "exampleLink": "https://dollarinterest.com/tools/cpf-life-deferral-calculator?payout65=1780&balance=220400&life=90", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "source", "type": "select", "label": "I know my payout from 65", "options": [ "dashboard", "balance" ] }, { "name": "payout65", "type": "number", "label": "Estimated monthly payout if you start at 65", "default": "1780", "min": "0" }, { "name": "balance", "type": "number", "label": "Retirement Account savings", "default": "220400", "min": "0" }, { "name": "balanceAt", "type": "select", "label": "That balance is at", "options": [ "at55", "at65" ] }, { "name": "start", "type": "select", "label": "Start payouts at", "options": [] }, { "name": "life", "type": "number", "label": "Live to age", "default": "90", "min": "66" }, { "name": "rate", "type": "number", "label": "Increase for each year deferred", "min": "0" }, { "name": "plan", "type": "select", "label": "CPF LIFE plan", "options": [ "standard", "escalating" ] } ], "assumptions": [ "Start from the monthly payout from 65 shown on your CPF dashboard or the CPF payout estimator. The \"estimate from my balance\" option reads CPF's published table, which is for a male member on the Standard Plan, so your own figure can differ.", "CPF says payouts rise by up to 7% for each year you defer, and by up to 35% if you wait from 65 to 70. The tool adds the rate you set once for each full year after 65, without compounding. CPF's own published estimates for 2026 work out at roughly 6.6% to 7% a year, and the real increase depends on your gender, plan and balance.", "Totals are plain sums of monthly payouts. They ignore inflation, the interest you could earn on payouts received earlier, and what your family would receive if you died early. Savings left in your Retirement Account keep earning CPF interest until payouts start, which is why later payouts are higher.", "CPF LIFE pays for as long as you live. Payouts may be adjusted over time for long-term changes in interest rates or life expectancy, so every figure here is an estimate.", "The Escalating Plan is modelled as rising 2% a year from the first payout. The Basic Plan is not modelled. Start ages are whole years from your birthday; CPF lets you start in any month from 65 to 70." ], "sources": [ { "title": "CPF Board: What is the CPF LIFE payout age?", "url": "https://www.cpf.gov.sg/member/infohub/educational-resources/what-is-the-cpf-life-payout-age" }, { "title": "CPF Board: Should you defer your CPF LIFE payouts?", "url": "https://www.cpf.gov.sg/member/infohub/educational-resources/should-you-defer-your-cpf-life-payouts" }, { "title": "CPF Board: How much CPF payouts can I get every month?", "url": "https://www.cpf.gov.sg/service/article/how-much-cpf-payouts-can-i-get-every-month" }, { "title": "CPF Board: How does the CPF LIFE Escalating Plan work?", "url": "https://www.cpf.gov.sg/service/article/how-does-the-cpf-life-escalating-plan-work" }, { "title": "CPF Board: CPF payout estimator", "url": "https://www.cpf.gov.sg/payoutestimator" } ] }, { "slug": "rental-yield-calculator", "title": "Rental Yield Calculator", "category": "Property & Home Loans", "description": "Work out gross and net rental yield and annual cash flow on a Singapore property, with property tax at current non-owner-occupied rates built in.", "url": "https://dollarinterest.com/tools/rental-yield-calculator", "exampleLink": "https://dollarinterest.com/tools/rental-yield-calculator?price=1200000&buyCosts=0&rent=4000", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "price", "type": "number", "label": "Purchase price or current value", "default": "1200000", "min": "0" }, { "name": "buyCosts", "type": "number", "label": "Buying costs (optional)", "default": "0", "min": "0" }, { "name": "rent", "type": "number", "label": "Monthly rent", "default": "4000", "min": "0" }, { "name": "vacancyWeeks", "type": "number", "label": "Empty each year", "default": "4", "min": "0", "max": "52" }, { "name": "agentFee", "type": "number", "label": "Agent fees a year", "default": "2000", "min": "0" }, { "name": "maintenance", "type": "number", "label": "Maintenance or MCST fees a month", "default": "350", "min": "0" }, { "name": "av", "type": "number", "label": "Annual Value (optional)", "default": "0", "min": "0" }, { "name": "other", "type": "number", "label": "Other costs a year", "default": "1000", "min": "0" }, { "name": "interest", "type": "number", "label": "Mortgage interest a year (optional)", "default": "0", "min": "0" } ], "assumptions": [ "Property tax uses the non-owner-occupied residential rates in force for 2026 (12% to 36% of Annual Value). If you leave Annual Value blank, a full year of your rent stands in for it; the figure on your IRAS property tax bill is the one that counts.", "Gross yield is a full year of rent divided by the price. Net yield takes off vacancy, agent fees, maintenance, property tax and other costs, and divides by the price plus your buying costs. Mortgage interest is left out of net yield and taken off only in the cash flow figure.", "Cash flow is before income tax and does not deduct the principal part of loan instalments. Rent is an estimate you enter, not a forecast, and past rents do not guarantee future ones.", "Rental income is taxable. Net rent is added to your other income and taxed at your personal rate; IRAS lets you claim actual expenses or, for residential property, a flat 15% of gross rent plus mortgage interest.", "Ignores changes in the property's price, and the rules on who may rent out a home, such as HDB's conditions for renting out a flat." ], "sources": [ { "title": "IRAS: Property tax rates", "url": "https://www.iras.gov.sg/taxes/property-tax/property-owners/property-tax-rates" }, { "title": "IRAS: Income from property rented out", "url": "https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/what-is-taxable-what-is-not/income-from-property-rented-out" } ] }, { "slug": "budget-planner", "title": "Monthly Budget Planner", "category": "Everyday Money", "description": "Plan a monthly budget in Singapore dollars: group spending into needs, wants, saving and insurance, see each share of income and your surplus or shortfall.", "url": "https://dollarinterest.com/tools/budget-planner", "exampleLink": "https://dollarinterest.com/tools/budget-planner?income=5000", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "income", "type": "number", "label": "Monthly take-home income", "default": "5000", "min": "0" } ], "assumptions": [ "The 50/30/20 split (needs, wants, saving) is a popular rule of thumb, not an official rule. High housing costs, dependants or a low income can make it unrealistic, and that does not mean the budget is wrong.", "For the 50/30/20 comparison, insurance premiums are counted with needs.", "Two official reference points are also shown: MoneySense suggests saving at least 20% of take-home pay, and the MAS and MoneySense Basic Financial Planning Guide suggests spending at most 15% of income after CPF on insurance protection.", "Works on take-home pay, after CPF. Housing paid from your CPF Ordinary Account is not part of take-home pay, so leave it out.", "Yearly bills such as insurance premiums, income tax and road tax need to be divided by 12 and entered as a monthly amount." ], "sources": [ { "title": "MoneySense: Managing your money", "url": "https://www.moneysense.gov.sg/managing-your-money/" }, { "title": "MoneySense: Three ways to shape up in budgeting", "url": "https://www.moneysense.gov.sg/three-ways-to-shape-up-in-budgeting/" }, { "title": "MAS and MoneySense: Basic Financial Planning Guide (PDF)", "url": "https://www.mas.gov.sg/-/media/mas-media-library/news/media-releases/2023/basic-financial-planning-guide-2023.pdf" } ] }, { "slug": "property-tax-calculator", "title": "Property Tax Calculator", "category": "Property & Home Loans", "description": "Work out the yearly property tax on a Singapore home from its Annual Value, at owner-occupied or non-owner-occupied rates, with the band breakdown.", "url": "https://dollarinterest.com/tools/property-tax-calculator", "exampleLink": "https://dollarinterest.com/tools/property-tax-calculator?av=30000", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "av", "type": "number", "label": "Annual Value", "default": "30000", "min": "0" }, { "name": "use", "type": "select", "label": "How the home is used", "options": [ "oo", "noo" ] }, { "name": "year", "type": "select", "label": "Tax year", "options": [] }, { "name": "home", "type": "select", "label": "Type of home", "options": [ "hdb", "private" ] } ], "assumptions": [ "Residential property only. Owner-occupied rates are those in force since 1 Jan 2025 and non-owner-occupied rates those in force since 1 Jan 2024. IRAS showed no change to either for the 2027 bill when checked on 13 Nov 2026.", "The 2026 figure includes the one-off rebate for owner-occupied homes: 15% for HDB flats, and 10% capped at $500 for private homes. No rebate for 2027 had been announced when checked, so the 2027 figure has none. A later Budget could change that.", "You enter the Annual Value. It is set by IRAS and is on your property tax bill and in myTax Portal. IRAS reviews it every year, so the 2027 value may differ from this year's.", "Owner-occupied rates apply to one home that you own and live in. A married couple can have them for only one home between them. Any other home is taxed at non-owner-occupied rates, even if it is empty or a family member lives there.", "Assumes the same use for the whole year. A home that is bought, sold or rented out partway through the year is taxed part of the year at each rate." ], "sources": [ { "title": "IRAS: Property tax rates", "url": "https://www.iras.gov.sg/taxes/property-tax/property-owners/property-tax-rates" }, { "title": "IRAS: One-off property tax rebate for owner-occupied residential properties in 2026", "url": "https://www.iras.gov.sg/news-events/newsroom/government-will-grant-one-off-property-tax-rebate-for-all-owner-occupied-residential-properties-in-2026" }, { "title": "IRAS: 2027 property tax bill", "url": "https://www.iras.gov.sg/taxes/property-tax/property-owners/2027-property-tax-bill" } ] }, { "slug": "net-worth-calculator", "title": "Net Worth Calculator", "category": "Everyday Money", "description": "Add up your assets and debts in Singapore dollars, including CPF, SRS and property, to see your net worth, liquid net worth and debt-to-asset ratio.", "url": "https://dollarinterest.com/tools/net-worth-calculator", "exampleLink": "https://dollarinterest.com/tools/net-worth-calculator", "rulesLastChecked": "2026-11-13", "inputs": [], "assumptions": [ "A snapshot using the values you enter today. Property and investment values move, and what you would actually receive on a sale is lower after fees, any CPF refund and taxes.", "Liquid net worth leaves out all CPF balances and your property, and so also leaves out the home loan. It counts cash, investments, SRS and other assets, less car loans, card balances and other loans.", "SRS is counted as liquid, but withdrawing before the statutory retirement age normally means tax on the full amount and a penalty. Leave it at 0 if you prefer to treat it as locked away.", "CPF balances count towards net worth, but most of that money can be used only for housing, healthcare and retirement under CPF rules.", "The debt-to-asset ratio is total debts divided by total assets. There is no official \"safe\" level; it is a way to track your own position over time." ], "sources": [ { "title": "MoneySense: Managing your money", "url": "https://www.moneysense.gov.sg/managing-your-money/" }, { "title": "IRAS: SRS contributions and tax relief", "url": "https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/special-tax-schemes/srs-contributions" } ] }, { "slug": "car-cost-of-ownership-calculator", "title": "Car Cost of Ownership in Singapore", "category": "Everyday Money", "description": "Estimate what a car costs in Singapore over the years you keep it: upfront cash, loan instalment and EIR, running costs, PARF and COE rebates, cost per month.", "url": "https://dollarinterest.com/tools/car-cost-of-ownership-calculator", "exampleLink": "https://dollarinterest.com/tools/car-cost-of-ownership-calculator?price=225000&omv=25000&extra=28649", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "priceMode", "type": "select", "label": "How you know the price", "options": [ "dealer", "build" ] }, { "name": "price", "type": "number", "label": "Car price from the dealer, including COE", "default": "225000", "min": "0" }, { "name": "omv", "type": "number", "label": "Open market value (OMV)", "default": "25000", "min": "0" }, { "name": "coe", "type": "number", "label": "COE premium", "min": "0" }, { "name": "extra", "type": "number", "label": "Dealer's margin, GST and other charges", "default": "28649", "min": "0" }, { "name": "arfPaid", "type": "number", "label": "ARF actually paid (optional)", "default": "0", "min": "0" }, { "name": "cohort", "type": "select", "label": "When the COE was obtained", "options": [ "from2026", "from2023", "before2023", "none" ] }, { "name": "downpayment", "type": "number", "label": "Cash downpayment", "default": "90000", "min": "0" }, { "name": "tenure", "type": "number", "label": "Loan tenure", "default": "7", "min": "1" }, { "name": "flatRate", "type": "number", "label": "Flat interest rate", "default": "2.8", "min": "0", "max": "15" }, { "name": "rtMode", "type": "select", "label": "Road tax", "options": [ "petrol", "own" ] }, { "name": "cc", "type": "number", "label": "Engine capacity", "default": "1496", "min": "0", "max": "8000" }, { "name": "roadTax", "type": "number", "label": "Road tax a year", "default": "700", "min": "0" }, { "name": "insurance", "type": "number", "label": "Insurance a year", "default": "1600", "min": "0" }, { "name": "fuel", "type": "number", "label": "Petrol or charging a month", "default": "200", "min": "0" }, { "name": "parking", "type": "number", "label": "Parking and ERP a month", "default": "125", "min": "0" }, { "name": "upkeep", "type": "number", "label": "Servicing and repairs a month", "default": "125", "min": "0" }, { "name": "years", "type": "number", "label": "Years you keep the car", "default": "10", "min": "1" } ], "assumptions": [ "You keep the car for whole years and then deregister it, getting the PARF and COE rebates. Selling it instead may fetch more or less than the rebates; this tool does not estimate resale value.", "The loan is a flat-rate loan with equal monthly instalments, and the full interest on the contract is counted. If you sell before the loan ends, the remaining balance is still owed; banks may refund part of the unearned interest less an early settlement fee, which is not modelled.", "Running costs stay the same every year. In practice insurance, fuel, parking and repairs change, and older cars cost more to keep running.", "ARF is worked out from OMV using the bands for COEs from the second February 2023 exercise. Electric and low-emission cars may have VES or EV rebates (or surcharges) that change the ARF paid, so enter the actual ARF if you know it.", "The road tax formula is LTA's formula for petrol and petrol-hybrid cars. Diesel and electric cars are taxed differently, so enter their road tax yourself.", "Excludes money you could have earned on the cash, depreciation beyond the rebates, fines, and the cost of any COE renewal after 10 years. All figures are estimates." ], "sources": [ { "title": "MAS: Rules for motor vehicle loans (agreements from 30 October 2026)", "url": "https://www.mas.gov.sg/regulation/explainers/motor-vehicle-loans" }, { "title": "LTA OneMotoring: COE open bidding results", "url": "https://onemotoring.lta.gov.sg/content/onemotoring/home/buying/coe-open-bidding.html" }, { "title": "LTA OneMotoring: Vehicle tax structure (ARF, excise duty, registration fee, road tax formula)", "url": "https://onemotoring.lta.gov.sg/content/onemotoring/home/buying/upfront-vehicle-costs/tax-structure.html" }, { "title": "LTA OneMotoring: PARF and COE rebates", "url": "https://onemotoring.lta.gov.sg/content/onemotoring/home/buying/rebates/parf-coe-rebate.html" }, { "title": "MoneySense: Costs of borrowing: flat rate, monthly rest and Effective Interest Rate", "url": "https://www.moneysense.gov.sg/costs-of-borrowing-flat-rate-monthly-rest-and-effective-interest-rate" } ] }, { "slug": "srs-tax-calculator", "title": "SRS: Tax Saved Now vs Tax on Withdrawal", "category": "Everyday Money", "description": "Estimate the income tax an SRS contribution saves this year, the tax due when you withdraw it after the retirement age, and how spreading withdrawals helps.", "url": "https://dollarinterest.com/tools/srs-tax-calculator", "exampleLink": "https://dollarinterest.com/tools/srs-tax-calculator?income=100000&years=20&ret=4", "rulesLastChecked": "2026-11-13", "inputs": [ { "name": "residency", "type": "select", "label": "You are a", "options": [ "citizenPr", "foreigner" ] }, { "name": "income", "type": "number", "label": "Chargeable income for", "default": "100000", "min": "0" }, { "name": "contribution", "type": "number", "label": "SRS contribution this year", "min": "0" }, { "name": "years", "type": "number", "label": "Years until you start withdrawing", "default": "20", "min": "0", "max": "60" }, { "name": "ret", "type": "number", "label": "Assumed return a year", "default": "4", "min": "-10", "max": "15" }, { "name": "spread", "type": "number", "label": "Spread withdrawals over", "min": "1" }, { "name": "otherIncome", "type": "number", "label": "Other taxable income a year then", "default": "0", "min": "0" }, { "name": "otherSrs", "type": "number", "label": "Other SRS money withdrawn over the same years (optional)", "default": "0", "min": "0" } ], "assumptions": [ "For Singapore tax residents, using the resident tax rates that apply from Year of Assessment 2024 onwards, which include YA 2027 (SRS contributions made in 2026). The same rates are used for the withdrawal years, though they may change. One-off tax rebates are ignored.", "Relief is limited to $15,300 a year for citizens and PRs and $35,700 for foreigners, and counts towards the $80,000 cap on all personal reliefs together, which this tool does not test.", "The return is your own illustration, not guaranteed. Cash left uninvested in an SRS account earns very little, and investments can lose money. The balance grows once a year until the first withdrawal, then is split into equal yearly withdrawals with no further growth.", "On or after your prescribed retirement age, 50% of each withdrawal is taxed and withdrawals can be spread over up to 10 years; anything left after 10 years is treated as withdrawn. Earlier withdrawals are taxed in full with a 5% penalty, except on death, medical grounds, bankruptcy or a foreigner's full withdrawal under conditions.", "Dollars today and dollars decades from now are added as if equal. Because the tax saving comes first and the tax on withdrawal comes later, the real benefit is a little larger than shown when the net figure is positive." ], "sources": [ { "title": "IRAS: SRS contributions and tax relief", "url": "https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/special-tax-schemes/srs-contributions" }, { "title": "IRAS: Tax on SRS withdrawals", "url": "https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/special-tax-schemes/tax-on-srs-withdrawals" }, { "title": "IRAS: Individual income tax rates", "url": "https://www.iras.gov.sg/taxes/individual-income-tax/basics-of-individual-income-tax/tax-residency-and-tax-rates/individual-income-tax-rates" } ] } ] }