Complete index · 74 calculators · 10 categories
Every calculator,
one place.
All 74 free Singapore calculators on Smart Calculator, grouped by category. Verified against official .gov.sg rates for 2026.
CPF
9 calculators
CPF Contribution Calculator
See your exact take-home pay, employer contribution, and OA/SA/MA split. Updated for the $8,000 OW ceiling.
CPF Allocation Calculator
Find out how much flows into your OA for housing, SA for retirement, and MA for healthcare — by your age bracket.
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.
CPF Retirement Sum Calculator
Know your BRS ($106,500), FRS ($213,000), or ERS ($426,000) target based on the year you turn 55. Plan how much to set aside.
CPF Interest Calculator
See how much your CPF earns you per year — including the extra interest on your first $60,000 that most people don't realize they're getting.
CPF Housing Withdrawal Calculator
Find out exactly how much of your OA you can put toward your home — and what must stay behind.
CPF Top-Up Tax Relief Calculator
See how much tax you'll save by topping up your CPF or your family member's. Up to $16,000 in total relief per year.
CPF at 55 Calculator
Turning 55 soon? See exactly what gets locked into your Retirement Account, what you can withdraw, and what's left.
CPF at 65 Calculator
Approaching 65? Compare CPF LIFE plan options, see deferral benefits, and estimate your monthly retirement income.
Tax & Salary
11 calculators
Singapore Income Tax Calculator
See your tax payable across all 13 progressive brackets, your effective rate, and the YA2026 rebate. No surprises at filing time.
Salary Calculator Singapore
Enter your gross salary — see what actually lands in your bank account after CPF deductions and income tax.
Incomplete Month Salary Calculator
Joining or leaving mid-month? Calculate your pro-rated salary so you know exactly what to expect on that paycheck.
Bonus Tax Calculator
Getting a bonus or AWS? See the marginal tax impact so you know how much of it you actually keep.
Tax Relief Calculator
Are you claiming everything you're entitled to? Check all eligible reliefs — CPF top-up, NSman, spouse, parent, earned income — up to the $80,000 cap.
Non-Resident Tax Calculator
Non-resident in Singapore? See whether you pay the flat 15% or the progressive rate — whichever is higher. Plus 24% on other income.
Property Tax Calculator
Find out your annual property tax using the progressive Annual Value tiers. Different rates for owner-occupied vs. investment properties.
GST Calculator Singapore
Quickly add 9% GST to any price, or extract the GST from a GST-inclusive amount. Simple.
Rental Income Tax Calculator
Earning rental income? See your tax after deductible expenses and find out your marginal rate on rental profits.
Multiplier Account Optimizer (DBS / UOB / OCBC)
Compare effective interest on DBS Multiplier, UOB One and OCBC 360 side-by-side. Input salary credit, card spend, home loan, insurance and invest contributions — see which account wins for your profile.
Tax Relief Stack Optimizer
Input your chargeable income and dependants — get a prioritized list of the reliefs that save you the most tax (SRS, CPF top-up, parent, grandparent caregiver, NSman, course fee, donations) respecting the $80,000 personal relief cap.
Housing & Property
15 calculators
Buyer's Stamp Duty (BSD) Calculator
See your BSD across all progressive brackets for any property price. The first tax you pay as a buyer — know it before you commit.
Additional Buyer's Stamp Duty (ABSD) Calculator
Buying a second property? Foreign buyer? See your ABSD liability instantly. This tax alone can add 20–65% to your upfront costs.
Seller's Stamp Duty (SSD) Calculator
Selling within the holding period? See your SSD based on when you bought and when you're selling. Updated for properties acquired from Jul 2025.
Mortgage Calculator
Compare HDB loan vs bank loan side by side — see monthly repayments, total interest, and full amortisation schedule for both options.
Renovation Loan Calculator
Planning your reno? Calculate monthly repayments for loans up to $30,000 over 5 years. Know the cost before you commit to the ID.
Loan-to-Value (LTV) Calculator
Find out your maximum loan amount. HDB loan: 80% LTV. Bank loan: 75%. Second property: 45%. Know your limit.
TDSR Calculator
Will the bank approve your loan? Check if you pass the 55% TDSR and 30% MSR limits before you waste time on applications.
HDB Affordability Calculator
What's the maximum HDB flat you can actually afford? Enter your household income, CPF, and savings — get a realistic budget.
HDB Grant Calculator
First-time buyer? You could qualify for up to $80,000 in grants (EHG + PHG + CPF Housing Grant). Check your eligibility in seconds.
Private Property Affordability Calculator
Thinking private? See the maximum condo price you can afford based on your income and TDSR limits. Reality check before you start viewing.
Downpayment Calculator
How much cash vs CPF do you need upfront? See the exact split for HDB, EC, or private property at your price point.
Rental Yield Calculator
Is your investment property actually performing? Enter purchase price and rental income — see gross and net yield instantly.
BTO Progressive Payment Calculator
Applied for a BTO? See the full payment schedule from booking fee to key collection — know exactly when each payment is due.
HDB Lease Buyback Calculator
Estimate proceeds and CPF RA top-up from selling back your HDB lease tail under the Lease Buyback Scheme. For flat owners aged 65+.
Decoupling Calculator
Calculate whether property decoupling makes financial sense. Compare BSD cost of share transfer vs ABSD saved on second property.
NS & IPPT
6 calculators
IPPT Calculator
Get your total score, award tier, and cash incentive. Play with the numbers to find the easiest path to Gold ($500).
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.
NS Pay Calculator
See your monthly NSF or NSman allowance by rank and vocation. Know what to expect before you enlist or before your next ICT.
RT Session Tracker
Didn't pass IPPT? Track your 20 RT sessions and see your estimated completion date. Stay on track and avoid penalties.
ICT Leave Calculator
Called up for ICT? Calculate your employer leave entitlement and make-up pay so you know what to claim.
NS Savings Calculator
NSF trying to save money? Enter your allowance and expected expenses — see how much you can realistically save during your 2 years.
Education
9 calculators
PSLE Score Calculator
Convert subject marks to Achievement Levels and see the total PSLE score. Includes secondary school cut-off points for immediate comparison.
NUS GPA Calculator
Calculate your NUS CAP on the 5.0 scale. See how each module affects your cumulative GPA and whether you're on track for Honours.
NTU GPA Calculator
Calculate your NTU cumulative GPA on the 5.0 scale. See the impact of each semester on your overall standing.
SMU GPA Calculator
Calculate your SMU GPA on the 4.3 scale with plus/minus grades. Check your Latin honours classification (Cum Laude, Magna, Summa).
Polytechnic GPA Calculator
Calculate your Poly GPA on the 4.0 scale. See if you qualify for Diploma with Merit (3.5+) and check university admission competitiveness.
O-Level Points Calculator
Calculate your L1R5 (for JC) and L1R4 (for Poly) aggregate from your subject grades. See which JCs and Polys your score qualifies for.
A-Level Rank Points Calculator
Convert your H1, H2, and H3 grades to university admission rank points (max 90). See how competitive your score is for your target course.
IB Score Calculator
Calculate your IB Diploma score including TOK/EE bonus points. Max 45. See how it converts for Singapore university admissions.
University Tuition Fee Calculator
Compare annual and total tuition fees across all 6 Singapore universities (NUS, NTU, SMU, SUTD, SIT, SUSS). Plan the full cost before you accept.
Health
5 calculators
BMI Calculator Singapore
Get your BMI using Singapore's lower threshold (23.0 = overweight, not 25.0). Most online BMI calculators use the wrong standard for Asians.
Daily Calorie Calculator
How many calories should you eat? Get a personalized target based on your age, weight, height, and activity level using the Mifflin-St Jeor formula.
Body Fat Percentage Calculator
Estimate your body fat using the US Navy method — just waist, neck, and hip measurements. No calipers needed.
Ideal Weight Calculator
What should you weigh? See results from four trusted formulas (Devine, Robinson, Miller, Hamwi) adjusted for Singapore's healthy BMI range.
Daily Water Intake Calculator
Living in Singapore's tropical heat? Your water needs are higher. Get a personalized target with the +0.5L tropical climate adjustment built in.
Cars & Loans
6 calculators
Car Loan Calculator
Calculate monthly repayments with the 70% LTV cap and 7-year max tenure. See total interest paid over the full loan period.
COE Calculator
See the total vehicle registration cost — COE premium + ARF + fees. Know the full damage before you bid.
Car Depreciation Calculator
How much does your car lose in value every month? Calculate annual and monthly depreciation based on purchase price, PARF rebate, and COE period.
Total Car Ownership Cost Calculator
The sticker price is just the start. See the TRUE monthly cost — depreciation, insurance, petrol, road tax, parking, ERP, and maintenance combined.
Road Tax Calculator
Calculate your annual road tax using LTA's engine capacity tiers. A 1,600cc car pays roughly $742/year.
EV vs Petrol 10-Year Cost Calculator
Electric vs petrol total cost over 10 years — purchase, COE, 2026 EV road tax, charging vs fuel, insurance, servicing, and PARF rebate.
Retirement
5 calculators
Retirement Savings Calculator
Are you saving enough? Enter your monthly savings and expected returns — see if you'll hit your retirement target by your chosen age. Compound interest works both ways.
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.
SRS Calculator
Contributing to SRS? See your tax savings NOW and your future withdrawal value. Only 50% of withdrawals are taxed after 62 — see the real benefit.
Retirement Income Calculator
Combine all your income sources — CPF LIFE, SRS, investments, rental — and see if your total retirement income meets your target. One number, full picture.
Singapore FIRE Number Calculator
Calculate your Financial Independence number — Singapore-adjusted to include CPF Life offset. Lean, Standard, and Fat FIRE tiers. Years to FI at your current savings rate.
Leave & Workforce
5 calculators
Maternity Leave Calculator
Expecting? Calculate your 16-week entitlement and see the employer-paid vs government-paid split by child order. First two children and third onwards have different rules.
Paternity Leave Calculator
New dad? Check your 4-week paternity leave entitlement (doubled from Jan 2025) and the $2,500/week government-paid cap.
Annual Leave Calculator
How many days have you earned? Calculate your entitlement (7–14 days) based on years of service. Includes pro-rating for incomplete years.
Childcare Leave Calculator
Kids under 7? You get 6 days of paid childcare leave per year. Kids 7–12? 2 days of extended leave. Check your entitlement by number and age of children.
Notice Period Calculator
Resigning or being let go? Calculate your notice period (1 day to 4 weeks) and exact last working day based on your length of service.
Parking & Transport
3 calculators
HDB Parking Fee Calculator
Calculate your HDB season parking and hourly rates including 9% GST. Rates vary by town — check yours before you commit to a lot.
ERP Calculator
Estimate your daily and monthly ERP 2.0 charges based on your route, timing, and vehicle type. Charges range from $0.50 to $6.00 per pass.
Commute Cost Comparison Calculator
Driving vs MRT vs bus — which is actually cheaper for YOUR commute? Enter your route and see the monthly cost side by side. Most drivers underestimate by 40%.