What is your salary actually worth in Singapore?
Eight free calculators built around how Singapore actually works — CPF, HDB, cars, cost of living, savings. No guessing. Just your real numbers.
See what I can afford →Free. No login. No data stored.
Start with your situation
Every calculator connects to a real decision. Pick the one that sounds like your life right now.
Eight tools. One honest picture.
Every calculator on Numbers.sg is built around Singapore rules — CPF rates, MSR limits, OW ceilings, flat-rate car loans. Not generic global advice.
One decision leads to the next
These calculators are designed to work in sequence. Each answer feeds the next question — so you build a complete picture, not just one number.
Use the Car Cost calculator any time you are weighing up car ownership — it connects to both the savings rate and cost of living picture.
Financial reality in Singapore is more complicated than most advice admits
Most financial content about Singapore focuses on the headline numbers — median salary, HDB prices, CPF rates. What it rarely explains is how those numbers interact in practice: how a S$5,000 gross salary becomes S$4,000 in your bank account before a single bill is paid; how an HDB flat that looks affordable on a loan illustration produces a monthly cash top-up nobody mentioned; how the car that seemed manageable at S$1,200/month becomes S$2,000+ once insurance, road tax, petrol, and parking are included.
Singapore is an expensive city to live in, but the costs are not evenly distributed or always visible. CPF deductions happen before you see the money. Housing costs are partly absorbed by CPF OA contributions that never touch your wallet. Car costs are fragmented across different billing cycles and payment methods. Parents’ allowance — which many Singaporeans pay — rarely appears in any online budget guide.
The calculators on Numbers.sg are built around how Singapore actually works. They use 2026 CPF contribution rates and Ordinary Wage ceilings, HDB loan rules including MSR and TDSR limits, flat-rate car loan calculations (not reducing balance), and real-life cost ranges based on Singapore patterns. They are not adapted from global finance tools. They are built for this specific financial reality.
The most useful thing these calculators can do is not give you a number — it is give you a number that accurately reflects your situation, which you can then use to make a clearer decision. Whether you are trying to understand a job offer, decide between HDB and a condo, figure out whether a car is worth it, or simply understand why your savings rate is lower than expected, the starting point is always the same: your actual numbers, in Singapore context, without the fluff.
Most people never run these numbers.
The ones who do are usually surprised.
It takes less than five minutes to see your real position. Start with whichever question feels most pressing right now.