Money tools · Singapore rules
Money tools
Free calculators that use Singapore’s own rules and today’s official rates. Each one shows its working and is tested against the figures the agency publishes.
In short
Free calculators that use Singapore’s own rules and today’s official rates, read from MAS, IRAS, CPF Board and SingStat by the same jobs that run our trackers. Each one shows its working, is tested against the figures the agency publishes, and runs in your browser: nothing you type is sent to us. They show the numbers, not advice on what to choose.
Which calculator do you need?
Start from what you’re deciding. Each calculator opens with today’s rates already filled in.
You’re saving a set amount each month
What your savings and top-ups grow to at today’s real rates, after inflation and fees, with the working shown.
Work out your savings →Cash, and you’re not sure where it should go
Fixed deposits, T-bills, the Savings Bond and your CPF OA side by side on your own amount, in dollars after fees.
Compare where to put it →You’re thinking of a T-bill
What you pay, get back and earn, how much to apply for, and whether a bid would have been filled.
Open the T-bill calculator →You hold or want Savings Bonds
Every payment and date, what you get if you redeem early, and all your bonds in one view.
Open the SSB calculator →You’re buying a home
Buyer’s stamp duty and ABSD for every buyer on the purchase, any married-couple remission, and when to pay.
Open the stamp duty calculator →You want to see your CPF at 55
Your contribution this month, then your OA, SA and MediSave to 55, with top-ups and the tax they save.
Open the CPF calculator →You’re near 65 and want your CPF LIFE payout
Your monthly payout on the Standard, Escalating and Basic plans from your Retirement Account, starting at any age from 65 to 70, from CPF Board’s own table.
Work out your payout →You’re deciding about CPF OA money
The OA’s own interest against a T-bill, after the interest given up and the bank charges.
Compare CPF OA and T-bills →You want to know what old money is worth now
What any sum from a year since 1961 is worth today, by SingStat’s CPI for all items or one kind of spending.
Open the inflation calculator →Your costs seem to rise faster than the rate
Your household’s own inflation rate from what you spend, each kind priced by SingStat’s CPI, with the reasons it differs.
Work out your own rate →You’re selling or scrapping your car
The PARF and COE rebate you get back under LTA’s rules for when your car was registered, and the date it next drops.
Work out your rebate →You have an IPPT coming up
Your score by age, the award and cash, and the smallest change that reaches Gold.
Open the IPPT calculator →You want your tax for the year
Your income tax with your pay, bonus and every personal relief IRAS gives, and what an SRS or CPF top-up before 31 Dec saves.
Open the income tax calculator →You want to know what reaches your bank
Your pay after CPF and self-help funds, the tax to set aside each month, and two job offers side by side.
Work out your take-home pay →You have a business loan offer
The monthly payment, the cash you actually receive and the effective rate after every fee, flat or effective, broker’s fee included.
Work out the loan’s true cost →
Every calculator
Calculator
T-bill calculator
$92.70 back on $10,000
In the 6-month T-bill at the 4 Nov auction, cut-off yield 1.86%. Paid out straight away; your $10,000 comes back in 6 months.
What you pay, get back and earn on a 6-month or 1-year T-bill at the latest MAS cut-off yield, by cash, SRS or CPF, with a bid checker and every auction since 1987.
Updated 8 Nov 2026
Calculator
SSB calculator
$2,407 over 10 years on $10,000
In SBDEC26: $183 in the first year, 2.39% a year on average if held to the end.
Every payment and date for any Singapore Savings Bond, what you get if you redeem early, all the SSBs you hold in one view, and SSB against T-bill and CPF OA.
Updated 2 Nov 2026
Calculator
Stamp duty calculator
$44,600 stamp duty on a $1.5 million home
For a citizen’s first home. A citizen who already owns one pays $344,600 with ABSD; married couples may get it back.
Buyer’s stamp duty and ABSD for any home in Singapore, worked out for every buyer on the purchase, with remission, refunds and when to pay IRAS.
Updated 12 Nov 2026
Calculator
CPF calculator
$2,220 into CPF on $6,000 a month
$1,200 from you, $1,020 from your employer. The calculator follows your accounts to 55 and the Retirement Account CPF sets up then.
Your CPF contribution this month, from you and your employer, and your Ordinary, Special and MediSave accounts to 55, worked out the way CPF Board does.
Updated 7 Nov 2026
Calculator
Where to put your cash: T-bills vs Savings Bonds vs fixed deposits vs CPF, on your amount
$230 on S$10,000 for a year: a 12-month fixed deposit at CIMB
T-bills, the Savings Bond on sale, fixed deposits and your CPF OA side by side on your own amount, in dollars after fees, from today’s rates.
Updated 8 Nov 2026
Calculator
CPF LIFE payout calculator: Standard, Escalating and Basic plans on your balance
$1,780 a month from 65, Standard plan, with the FRS
Your balance on all three plans, starting later, and what is left for family.
Your CPF LIFE monthly payout on the Standard, Escalating and Basic plans, from CPF Board’s own payout table, starting at any age from 65 to 70.
Updated 12 Nov 2026
Calculator
Inflation calculator for Singapore: what money from a past year is worth today
$122.41 today for $100 in 2016
What money from any year since 1961 is worth now, by SingStat’s CPI for all items or one kind of spending.
Updated 12 Nov 2026
Calculator
Personal inflation calculator for Singapore: your own inflation rate
2.2% for an HDB 4-room owner without a car
Your own inflation rate from what you spend, against headline 2.2%, and why it differs.
Updated 12 Nov 2026
Calculator
IPPT calculator: your score, award and the smallest step to Gold
Your score by age on MINDEF’s tables, the award and cash, and the smallest change that reaches Gold.
Updated 6 Nov 2026
Calculator
Compound interest calculator with monthly top-ups
$205,613 from $10,000 and $500 a month, 20 years at 4%
Your plan at today’s real rates, after inflation and fees, or solve for the top-up, the time or the rate.
Updated 12 Nov 2026
Calculator
PARF rebate calculator: what you get back when you deregister
$41,203 back
Registered 13 Jul 2021 · Cat A COE from Jun 2021 (2), deregistered today. Under all three sets of PARF rules, with the COE rebate and the date your rebate next drops.
Updated 5 Nov 2026
Calculator
Income tax calculator Singapore: YA 2027 and YA 2026
$3,168 tax for YA 2027
On $7,000 a month and a $14,000 bonus, age 35, with CPF and Earned Income Relief. Add your own reliefs and see what an SRS or CPF top-up saves.
Updated 12 Nov 2026
Calculator
Take-home pay calculator Singapore: salary after CPF and tax
S$4,000 in the bank on S$5,000
Your take-home pay after CPF and self-help funds, the tax to set aside, and two offers compared.
Updated 8 Nov 2026
Calculator
Business loan calculator: the true cost after every fee
Enter a business loan offer, flat or effective, with its fees and any broker’s fee: the monthly payment, the cash you receive and the true cost a year, plus the same loan at each lender’s published rate.
Updated 3 Nov 2026
How they’re built
- Official rules, not rules of thumb. Each calculator follows the agency’s own published method: MAS’s formula for T-bill prices, MAS’s technical rules for Savings Bond interest and early redemption, CPF Board’s rules for when OA money stops and starts earning, IRAS’s tiers and rates for stamp duty.
- Today’s rates, never typed in. Rates come from the same scheduled jobs as the trackers, with the time they were read. If a source is late, the calculator says so. Stamp duty rates change only when the government announces it, so we keep them by hand from IRAS and compare them with IRAS’s own tables twice a day.
- The working is shown. Every result comes with the sum behind it, so you can check it yourself.
- Private by design. The sums run in your browser. Nothing you type is sent to us or stored on our server; see Privacy.
How they’re tested
Where an agency publishes prices, returns or worked examples, the calculator must reproduce every one of them. The tests run again each time new data comes in.
| Page | Source | How often | Last check | Record |
|---|---|---|---|---|
| T-bill calculator | MAS | Uses each MAS result, read four times a day from 2 pm | 6:10 pm, 12 Nov SGT | Gives MAS’s published price for 342 of 342 auctions since 1987, and MAS’s own worked example. The check |
| SSB calculator | MAS | Uses each MAS issue, read twice every evening | 9:20 pm, 12 Nov SGT | Reproduces 1,350 of 1,350 of MAS’s published average returns for every issue since 2015. The check |
| Stamp duty calculator | IRAS | IRAS’s rate tables against ours, twice a day | 5:40 pm, 12 Nov SGT | Matches 35 of 35 of IRAS’s worked examples and married-couple tables. The check |
| CPF calculator | CPF Board | CPF Board’s interest rates every hour; its rules checked by hand | 9:05 pm, 12 Nov SGT | Matches 18 of 18 of CPF’s and IRAS’s worked examples and tables. The check |
| Where to put your cash | each bank’s own website | Bank rates twice a day; T-bills and Savings Bonds as MAS publishes them | 3:35 pm, 12 Nov SGT | Each option’s sums are its tracker’s own, which match MAS’s published T-bill prices and Savings Bond returns. How |
| CPF LIFE payout calculator | CPF Board | CPF’s CPF LIFE pages, twice a day | 5:50 pm, 12 Nov SGT | Matches 11 of 11 CPF figures. The check |
| Inflation calculator for Singapore | SingStat | SingStat’s tables twice a day | 5:25 pm, 12 Nov SGT | Every year since 1961 |
| Personal inflation calculator for Singapore | SingStat | SingStat’s tables twice a day | 5:25 pm, 12 Nov SGT | Rebuilds SingStat’s CPI every month |
| IPPT calculator | MINDEF | 12:50 pm, 6 Nov SGT | All six MINDEF tables, men and women. The checks | |
| Compound interest calculator with monthly top-ups | each bank’s own website | 11 of 11 pass on every load | 3:35 pm, 12 Nov SGT | Read live from our trackers |
| PARF rebate calculator | data.gov.sg | LTA’s rebate rules, every day with the COE results | 8:50 am, 12 Nov SGT | Matches 3 of 3 of LTA’s worked examples, under all three sets of rules. The check |
| Income tax calculator Singapore | CPF Board | 9:05 pm, 12 Nov SGT | IRAS’s, read 2 Nov 2026 Matches 8 of 8 of IRAS’s worked examples. The check | |
| Take-home pay calculator Singapore | CPF Board | 9:05 pm, 12 Nov SGT | Matches 9 of 9 official figures. The check |
Quick answers
Can I get my money back before maturity?
Not from MAS. You can sell a T-bill at a DBS, OCBC or UOB branch at that day’s market price, which may be higher or lower than what you paid.
From T-bill calculator
Do I lose anything if I redeem early?
Only the $2 redemption fee. You get back the full amount you put in, with the interest earned up to the redemption date.
From SSB calculator
Which pays more now: T-bills, Savings Bonds or fixed deposits?
It changes with each T-bill auction, each month’s Savings Bond and each bank’s promotions, and it depends on how much you have and for how long. The tool on that page works it out on today’s rates. On a year, the record on that page shows how often T-bills and the Savings Bond each came out ahead in the past.
From Where to put your cash: T-bills vs Savings Bonds vs fixed deposits vs CPF, on your amount
How much does CPF LIFE pay with the Full Retirement Sum?
About $1,780 a month from 65 on the Standard plan, for members turning 55 in 2026 who set aside the FRS of $220,400 (CPF’s figure, for a male member). Starting at 70, about $2,380. With the Basic Retirement Sum ($110,200), about $950 from 65; with the Enhanced ($440,800), about $3,440. (CPF)
From CPF LIFE payout calculator: Standard, Escalating and Basic plans on your balance
How much is $100 from 10 years ago worth today in Singapore?
By SingStat’s consumer price index, $100 in 2016 is worth $122.41 in Sep 2026 money, and $100 in 2000 is worth $161.95. Prices rose 22.4% since 2016, 2.0% a year on average.
From Inflation calculator for Singapore: what money from a past year is worth today
What is a personal inflation rate?
How much the prices of the things your own household buys rose over the last 12 months. The headline rate does the same for the average household’s mix; yours uses your mix, priced by SingStat’s index for each kind of spending.
From Personal inflation calculator for Singapore: your own inflation rate
How much PARF rebate will I get?
The PARF rebate is a share of the ARF you paid, set by the car’s age when it is deregistered. For a COE won before the second round of February 2023 it is 75% up to 5 years old, falling 5 points a year to 50% between 9 and 10, with no cap; for COEs from then to the first round of February 2026, the same but capped at $60,000; for COEs from the second round of February 2026, 30% falling to 5%, capped at $30,000. After 10 years there is none. You also get back the unused part of the COE: the QP paid × months left ÷ 120.
From PARF rebate calculator: what you get back when you deregister
Is there an income tax rebate for YA 2026 or YA 2027?
No. The latest were for YA 2024 (50% of tax, up to $200) and YA 2025 (60%, up to $200), and Budget 2026’s tax changes include none for YA 2027. A rebate is a one-off set in a Budget: every year IRAS gives.
How much is take-home pay on S$5,000 in Singapore?
A citizen aged 30 gets S$4,000 in the bank after S$1,000 of CPF, before any self-help fund, and has about S$87 of tax a month to set aside. Change the age, status or fund in the calculator.
From Take-home pay calculator Singapore: salary after CPF and tax
What is the difference between a flat rate and an effective rate?
A flat rate (also called simple interest) is worked out on the whole loan for the whole term: 5% flat on $100,000 over 3 years is $15,000 of interest, however much you have paid back. An effective rate is charged only on what you still owe, so it falls as you repay. The same loan costs more than the flat rate suggests: a flat 5% over 3 years is about 9.3% effective. At every term from 1 to 5 years, the effective rate is close to twice the flat rate (see the table).
From Business loan calculator: the true cost after every fee
Recent changes
T-bill calculator: a new chart shows what $10,000 earned at each of the last 12 auctions for each tenor. For the 6-month bill it ranged from $73.30 to $97.20 since Jun 2026; the latest paid $92.70. T-bill calculator
SSB calculator: each interest payment in your schedule now has a bar under it, on one scale, so you can see the payments grow as the bond’s rate steps up each year. SSB calculator
Where to put your cash: four questions now lead to an answer on S$20,000 (CPF money, SRS money, how soon you might need it, how long you can leave it), each step opening the calculator with that case filled in. Where to put your cash
The income tax calculator’s “How much tax on $5,000 a month?” now has a number: about $1,320 for YA 2027 with a one-month bonus, worked out by the calculator itself, not a pointer to the rates page. The $5,000 answer
The take-home pay calculator now shows where each dollar goes at nine salaries, from $2,000 to $20,000. Up to $8,000 a month CPF takes a fixed fifth; past that ceiling only tax grows, so a $20,000 earner keeps 81.6% against 76.8% at $8,000. Where pay goes
Every change to the site is on What’s new.
Corrections to these calculators
The Money tools hub left out three calculators: income tax, take-home pay and business loans. It now lists all of them, says which to use for what, and its description counts them itself, so it can’t fall behind again.
The Tools hub carried the same answer, sending readers to a tool “at the top” and a record “above”. Neither is on the Tools hub: they are on the Where to put your cash page, and the answer now says so.
In the income tax calculator’s examples, the working mother, the 58-year-old and the foreigner were taxed with a bonus their labels didn’t mention. Each label now gives it: two months, one month and two months. The result line also said IRAS had given a rebate only for YA 2024 and YA 2025, when it also gave one for YA 2017 and YA 2019. Income tax calculator
Savings Bond calculator: the note under the check said the first payment covers only part of six months, with a blank where the days should be, for a bond issued on the 1st. That first payment is a full six months. The payment itself was right. Savings Bond calculator