Understand Your MoneySimply and for Free
One place to learn how to save and invest in Singapore and work out what matters to you — your CPF and CPF LIFE, your home loan, your savings — without signing up, without paying anything and without jargon. All in Singapore dollars (SGD).
SGD
Official Currency
8
Calculators for Singapore
S$100k
SDIC Deposit Cover
S$0
Always Free
Live Market Indicators
Follow the S&P 500, Bitcoin and Ethereum in real time, updated every five minutes. Includes the US dollar / Singapore dollar rate, handy if you hold foreign-currency savings or investments.
Learn the Basics
Short, plain-English guides to saving, CPF, banks and financial planning in Singapore — to get started without knowing anything about money.
What is a savings account and how much does it pay?
A savings account keeps your money safe and pays interest that changes over time. How the interest, why bank interest is tax-free for individuals, and how SDIC deposit insurance works — and when a savings account is enough.
Read the article →Emergency fund: how much do you need?
An emergency fund of 3-6 months of expenses protects you from unexpected costs without expensive debt. Singapore has no unemployment benefit, so it matters even more. How to work out your figure and build it.
Read the article →What is compound interest and how does it work?
Compound interest is return on your return — the engine behind long-term saving. Here is the formula, how big a role time plays, and how to use the rule of 72.
Read the article →Free Financial Calculators
Free tools in Singapore dollars (SGD), with results straight away. No sign-up, no cost.
Compound Interest Calculator
Work out how your savings or investments grow year by year, in SGD.
Calculate →How Long to Save S$50k?
Work out how long it takes to reach any savings goal in Singapore dollars.
Calculate →Emergency Fund Calculator
Work out how much to set aside for unexpected costs based on your monthly spending.
Calculate →Financial Independence Calculator
How much capital do you need to live off your returns? Find your path to financial freedom.
Calculate →How Many Work Hours Does It Cost?
Turn the price of any product into hours of your work, based on your pay.
Calculate →Retirement Calculator
Project your SRS and personal retirement saving that sits on top of CPF LIFE.
Calculate →Home Loan Calculator
Monthly payment plus the upfront cost of buying — down payment, Buyer's Stamp Duty, fees.
Calculate →CPF LIFE Calculator
Estimate your CPF Retirement Account at 65 and the rough monthly CPF LIFE payout for life.
Calculate →Frequently Asked Questions
Everything you need to know about our guides and calculators.
- What is Save Money To Invest and what does it offer for Singapore?
- Save Money To Invest is a free platform of financial data and calculators. The Singapore section brings together personal finance guides (savings accounts, CPF and CPF LIFE, SDIC deposit insurance, Credit Bureau Singapore, HDB flats and home loans, credit cards) and financial calculators in Singapore dollars (SGD). No sign-up or account is needed.
- Why are the calculators in Singapore dollars?
- Because the Singapore dollar is the currency here. All calculators and articles use SGD directly, with no currency conversion.
- Does Singapore have a state pension?
- Yes — through CPF. Your CPF contributions build a Retirement Account, and from age 65 CPF LIFE pays you a monthly income for life. It covers basic needs, so most people add the Supplementary Retirement Scheme (SRS), CPF top-ups and their own investing. See the CPF LIFE calculator and the CPF article.
- Is Save Money To Invest free in Singapore?
- Yes. All content — guides and calculators — is free and requires no sign-up. The site is funded by advertising.
- Can I see the full site in US English?
- Yes. Save Money To Invest also offers data from more than 10 global exchanges (NYSE, NASDAQ, LSE, Euronext, among others) and 17 financial calculators focused on the United States market. Reach them via the "🇺🇸 English (US) site" link at the top of this page.