127 Free Calculators · Official 2026 Rates
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Free Singapore calculators for CPF, tax, stamp duty, IPPT, HDB loans, and more — every figure verified against official 2026 government rates.
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The Financial Health Check is a single 5-step wizard combining salary, CPF, income tax, savings rate, and retirement trajectory — verified against 2026 CPF Board and IRAS figures.
127
Calculators
14
Categories
2026
Rates Year
100%
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Today's featured calculators
All calculatorschevron_rightInflation Calculator Singapore
Calculate the real value of Singapore dollars over time using MAS CPI data. See what $10,000 in 2000 is worth in 2026.
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.
Singapore Employer Hiring Cost Calculator (2026)
All-in monthly + multi-year cost of hiring in Singapore by pass type — salary + employer CPF (SC/SPR) + SDL + Foreign Worker Levy (S Pass + WP) + WICA insurance + Dependant Pass fees.
CPF LIFE Payout Calculator
Find out how much you'll receive every month from CPF LIFE — compare Standard, Escalating, and Basic plans side by side.
CareShield Life Premium Calculator (2026)
Annual + lifetime CareShield Life premium with means-tested subsidies, plus the projected $689/mo disability payout. Includes ElderShield 300/400 legacy comparison and supplement add-on.
CPF Life Estimator
How much will CPF LIFE pay you every month? Enter your RA balance at 55 — compare Standard, Escalating, and Basic plan payouts side by side.
The definitive guides
Read before you decide
All guideschevron_rightComplete Personal Finance Guide
Budgeting, emergency fund, multiplier accounts, SRS, investing — the full SG personal finance playbook
Read the guidearrow_right_altComplete CPF Guide
Contribution, allocation, interest, LIFE payouts — everything CPF for 2026
Read the guidearrow_right_altComplete Family Cost Guide
Baby Bonus, CDA, childcare subsidies, school fees — every Singapore family expense covered
Read the guidearrow_right_altComplete Islamic Finance Guide
Zakat, Fidyah, Faraid, Hajj — MUIS framework for Singapore Muslims
Read the guidearrow_right_altEvery number verified against the official Singapore source.
CPF Board, IRAS, HDB, MINDEF, MOE — not training data. When rates change, we update within 48 hours.
From the editorial
Guides for Singapore
All articleschevron_rightFeatured
Unpaid Leave Singapore 2026: Salary Deduction Math, MOM Rules & CPF Impact
How unpaid leave is calculated in Singapore for 2026 — daily salary deduction formula, CPF contribution effects, and MOM rules around employer-required UPL.
Wedding Cost Singapore 2026: Real Prices for Banquet, ROM, Photographer & More
Real Singapore wedding cost ranges for 2026 — banquet, ROM, photography, videography, bridal package, ang bao expectations, and the plus-plus rule that adds 20% to every quote.
Tesla Singapore Total Cost 2026: Price With COE, Road Tax, Charging & Service
Full breakdown of buying and owning a Tesla in Singapore for 2026 — Model 3 and Model Y prices with COE, road tax, electricity costs, and 5-year TCO.
All categories
Every calculator you'll need.
14 institutional categories, 127 calculators — each verified against the official Singapore source.
CPF
CPF Board
Tax & Salary
IRAS
Housing & Property
HDB · SLA
NS & IPPT
Education
MOE
Health
HPB · MOH
Cars & Loans
LTA · SLA
Retirement
CPF Board
Leave & Workforce
MOM
Parking & Transport
HDB · URA
Travel & Miles
Relocate to Singapore
Personal Finance
Islamic
Free resources
Free guides, checklists & planners
All resourceschevron_rightSingapore Tax Relief Cheat Sheet
All 22 IRAS personal reliefs — amounts, caps, and who qualifies
CPF Allocation Guide
How contributions split across OA, SA/RA and MA at every age band
Financial Milestones Checklist
What to have in place at every stage of your financial life — age 25 to 65
Money Move Quiz
A 6-question quiz that points you to the right calculator and free resource.
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.