Financial Tools
Free calculators, real Singapore benchmarks
Four tools, each free, each takes a couple of minutes, and each ends with a personalised PDF you can keep. No sign-up, no spam, and nothing here replaces an actual conversation, it just makes that conversation more useful when you have it.
Financial Health Check
A 2-minute check across six areas: emergency savings, protection, investing, retirement readiness, debt and legacy planning. Get a score out of 100.
- Benchmarked against MAS's Basic Financial Planning Guide
- Six areas, one overall score
- Personalised PDF snapshot
Retirement Calculator
Enter your age, target retirement age and current savings. See your inflation-adjusted retirement number, whether you're on track, and any monthly gap to close.
- Inflation-adjusted target
- Shortfall or surplus, in dollars
- Required monthly saving to close the gap
CPF Calculator
Enter your salary, age and citizenship status. See your Employee and Employer CPF, take-home pay, and the OA/SA/MA split, using official 2026 rates.
- Official 2026 CPF rate tables
- Employee vs employer breakdown
- OA / SA / MA allocation
Investment Calculator
Enter a starting amount, monthly contribution, time horizon and expected return. See the projected balance, and how sensitive it is to the return you assumed.
- Compound growth, projected monthly
- Built-in 3-scenario comparison
- Contributed vs growth, broken out
Why these tools exist
Numbers first, opinions second
A 2025 nationwide sentiment survey found only 47% of working adults in Singapore invest at least 10% of their take-home pay, and more than a third have done no legacy planning at all. Most people aren't behind on purpose, they've just never run the actual numbers. These tools use official Singapore benchmarks, the same MAS Basic Financial Planning Guide and CPF Board rate tables Fatin works from in real conversations, so what you see here is the same starting point a proper review would use.
After the numbers
Whatever the results say, there's a next step
A free consultation costs nothing and comes with no obligation. Bring any of these results and we'll go through them together.
Book a free consultation →