69 Free Calculators · Official 2026 Rates

Stop Guessing.
Start Calculating.

69 free calculators built for Singapore life — CPF contributions, stamp duty, income tax, IPPT scores, HDB loans, PSLE results, and more. All verified against official 2026 government rates. No signup. No downloads. Answers in seconds.

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#CPFContribution#StampDuty#IncomeTax#IPPTScore#HDBLoan#PSLE

Every Calculator a Singaporean Needs. One Bookmark.

Whether you're calculating your CPF take-home pay before a salary negotiation, checking stamp duty before signing an OTP, figuring out your IPPT score target, or planning your child's PSLE options — Smart Calculator gives you government-verified answers instantly.

No app to install. No account to create. No data collected. Just accurate calculations using official 2026 rates from CPF Board, IRAS, HDB, MINDEF, and MOE.

69

Calculators

10

Categories

2026

Rates Year

100%

Free & Private

Most Used Right Now

The calculators Singaporeans reach for first.

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account_balance_wallet

CPF Contribution Calculator

Know exactly what hits your bank account every month. Enter your salary, age, and citizenship — get your take-home pay, employer contribution, and OA/SA/MA split in seconds.

  • check_circleUpdated for the 2026 $8,000 OW ceiling
  • check_circleAll age groups & citizenship types
finance_chip
Calculate Your Take-Home Pay arrow_right_alt
fitness_center

IPPT Calculator

Get your total score, award tier, and cash incentive. Play with the numbers to find the easiest path to Gold ($500).

Check Your Score arrow_right_alt
scoreboard

IPPT Score Calculator

See your point breakdown by station and find out exactly how close you are to the next award tier. Sometimes 2 extra push-ups save you 20 seconds on the run.

Check Your Score arrow_right_alt

Built for Every Chapter of Singapore Life

From your first paycheck to your CPF LIFE payout — every calculator you need, in one place.

savings

CPF

Contributions, take-home pay, retirement sums, CPF LIFE payouts, and tax relief

9 tools
receipt_long

Tax & Salary

Income tax, take-home salary, bonus tax, reliefs, GST, and rental income

9 tools
home

Housing & Property

Stamp duty, mortgage, affordability, grants, TDSR, and downpayment

14 tools
military_tech

NS & IPPT

IPPT scoring, NS pay, RT tracking, and ICT leave

6 tools
school

Education

PSLE results, university GPA, O-Level aggregates, A-Level rank points, and tuition fees

9 tools
favorite

Health

BMI (Singapore standards), calories, body fat, ideal weight, and water intake

5 tools
directions_car

Cars & Loans

Car loans, COE, depreciation, total ownership costs, and road tax

5 tools
elderly

Retirement

CPF LIFE payouts, SRS tax savings, retirement savings, and income planning

4 tools
event_available

Leave & Workforce

Maternity, paternity, annual leave, childcare leave, and notice period

5 tools
local_parking

Parking & Transport

HDB parking fees, ERP 2.0 charges, and driving vs public transport costs

3 tools
calculate
Smart Calculator

Take-home

$6,400

Employee

$1,600

Employer

$1,360

Numbers You Can
Actually Trust.

Every rate, threshold, and formula is cross-checked against official .gov.sg publications. When CPF Board updates contribution rates, we update within 48 hours.

verified

Verified Against Source

Cross-checked with CPF Board, IRAS, HDB, MINDEF, and MOE publications. Not training data — official sources.

security

Your Data Stays With You

All calculations run entirely in your browser. Nothing is sent to any server. Nothing is stored. Nothing is tracked.

devices

Works on Any Device

Phone, tablet, desktop. No app download. No login. Just open and calculate.

Full Calculator Directory

All 69 calculators across 10 categories — find exactly what you need.

savings

CPF

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CPF Contribution Calculatorarrow_right_altCPF Allocation Calculatorarrow_right_altCPF LIFE Payout Calculatorarrow_right_altCPF Retirement Sum Calculatorarrow_right_altCPF Interest Calculatorarrow_right_altCPF Housing Withdrawal Calculatorarrow_right_altCPF Top-Up Tax Relief Calculatorarrow_right_altCPF at 55 Calculatorarrow_right_altCPF at 65 Calculatorarrow_right_alt
receipt_long

Tax & Salary

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Singapore Income Tax Calculatorarrow_right_altSalary Calculator Singaporearrow_right_altIncomplete Month Salary Calculatorarrow_right_altBonus Tax Calculatorarrow_right_altTax Relief Calculatorarrow_right_altNon-Resident Tax Calculatorarrow_right_altProperty Tax Calculatorarrow_right_altGST Calculator Singaporearrow_right_altRental Income Tax Calculatorarrow_right_alt
home

Housing & Property

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Buyer's Stamp Duty (BSD) Calculatorarrow_right_altAdditional Buyer's Stamp Duty (ABSD) Calculatorarrow_right_altSeller's Stamp Duty (SSD) Calculatorarrow_right_altMortgage Calculatorarrow_right_altRenovation Loan Calculatorarrow_right_altLoan-to-Value (LTV) Calculatorarrow_right_altTDSR Calculatorarrow_right_altHDB Affordability Calculatorarrow_right_altHDB Grant Calculatorarrow_right_altPrivate Property Affordability Calculatorarrow_right_altDownpayment Calculatorarrow_right_altRental Yield Calculatorarrow_right_altBTO Progressive Payment Calculatorarrow_right_alt
military_tech

NS & IPPT

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IPPT Calculatorarrow_right_altIPPT Score Calculatorarrow_right_altNS Pay Calculatorarrow_right_altRT Session Trackerarrow_right_altICT Leave Calculatorarrow_right_altNS Savings Calculatorarrow_right_alt
school

Education

chevron_right
PSLE Score Calculatorarrow_right_altNUS GPA Calculatorarrow_right_altNTU GPA Calculatorarrow_right_altSMU GPA Calculatorarrow_right_altPolytechnic GPA Calculatorarrow_right_altO-Level Points Calculatorarrow_right_altA-Level Rank Points Calculatorarrow_right_altIB Score Calculatorarrow_right_altUniversity Tuition Fee Calculatorarrow_right_alt
favorite

Health

chevron_right
BMI Calculator Singaporearrow_right_altDaily Calorie Calculatorarrow_right_altBody Fat Percentage Calculatorarrow_right_altIdeal Weight Calculatorarrow_right_altDaily Water Intake Calculatorarrow_right_alt
directions_car

Cars & Loans

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Car Loan Calculatorarrow_right_altCOE Calculatorarrow_right_altCar Depreciation Calculatorarrow_right_altTotal Car Ownership Cost Calculatorarrow_right_altRoad Tax Calculatorarrow_right_alt
elderly

Retirement

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Retirement Savings Calculatorarrow_right_altCPF Life Estimatorarrow_right_altSRS Calculatorarrow_right_altRetirement Income Calculatorarrow_right_alt
event_available

Leave & Workforce

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Maternity Leave Calculatorarrow_right_altPaternity Leave Calculatorarrow_right_altAnnual Leave Calculatorarrow_right_altChildcare Leave Calculatorarrow_right_altNotice Period Calculatorarrow_right_alt
local_parking

Parking & Transport

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HDB Parking Fee Calculatorarrow_right_altERP Calculatorarrow_right_altCommute Cost Comparison Calculatorarrow_right_alt
updateUpdated for 2026
calculate100% free
phone_androidMobile-optimised
location_onBuilt for Singapore

Frequently Asked Questions

Are Smart Calculator results accurate?expand_more

Every rate, threshold, and formula is cross-checked against official .gov.sg publications including CPF Board, IRAS, HDB, MINDEF, and MOE. When government rates change, calculators are updated within 48 hours.

Is my data safe on Smart Calculator?expand_more

All calculations run entirely in your browser. Nothing is sent to any server, nothing is stored, and nothing is tracked. Your financial data never leaves your device.

How often are calculators updated?expand_more

Calculators are updated within 48 hours of any official government rate change. All calculators currently reflect 2026 rates effective from January 2026.

Do I need to create an account?expand_more

No. Smart Calculator is 100% free with no signup, no app download, and no login required. Just open and calculate.