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Official 2026 Rates · Verified

Complete index · 146 calculators · 14 categories

Every calculator,
one place.

All 146 free Singapore calculators on Smart Calculator, grouped by category. Verified against official .gov.sg rates for 2026.

currency_exchange

Currency converters

8 live mid-market rates

savings

CPF

14 calculators

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account_balance_wallet

CPF Contribution Calculator

See your exact take-home pay, employer contribution, and OA/SA/MA split. Updated for the $8,000 OW ceiling.

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pie_chart

CPF Allocation Calculator

Find out how much flows into your OA for housing, SA for retirement, and MA for healthcare — by your age bracket.

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elderly

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.

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compare_arrows

CPF LIFE Plan Comparator

Compare CPF LIFE Standard, Basic, and Escalating plans side by side — monthly payouts, cumulative income to age 90/95/100, and bequest estimates.

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savings

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.

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calendar_month

CPF Annual Interest Estimator

See exactly how much CPF interest you will earn this calendar year, month by month. CPF credits interest on 31 December — plan your top-ups before year end.

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percent

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.

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home

CPF Housing Withdrawal Calculator

Find out exactly how much of your OA you can put toward your home — and what must stay behind.

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volunteer_activism

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.

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cake

CPF at 55 Calculator

Turning 55 soon? See exactly what gets locked into your Retirement Account, what you can withdraw, and what's left.

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elderly

CPF at 65 Calculator

Approaching 65? Compare CPF LIFE plan options, see deferral benefits, and estimate your monthly retirement income.

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calendar_month

CPF 55 Withdrawal Planner (2026)

Project your CPF OA and SA balances to age 55, see how much transfers to your Retirement Account, estimate your lump-sum withdrawal, and get a CPF LIFE monthly payout range.

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CPF Top-up ROI Calculator Singapore 2026

Compare CPF SA/RA top-up, SRS, unit trusts, and cash savings side by side with tax relief factored in. Find which option gives you the best after-tax return for your marginal tax bracket and time horizon.

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CPF Accrued Interest Calculator (2026)

Calculate the accrued interest you must refund to your CPF OA when you sell a property.

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Tax & Salary

17 calculators

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elderly

Parent Relief Calculator Singapore

Work out Parent Relief, Handicapped Parent Relief and Grandparent Caregiver Relief, the tax you save, and how to split the relief between siblings.

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calculate

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.

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payments

Salary Calculator Singapore

Enter your gross salary — see what actually lands in your bank account after CPF deductions and income tax.

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calendar_month

Incomplete Month Salary Calculator

Joining or leaving mid-month? Calculate your pro-rated salary so you know exactly what to expect on that paycheck.

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redeem

Bonus Tax Calculator

Getting a bonus or AWS? See the marginal tax impact so you know how much of it you actually keep.

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savings

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.

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flight

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.

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home

Property Tax Calculator

Find out your annual property tax using the progressive Annual Value tiers. Different rates for owner-occupied vs. investment properties.

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home_work

Annual Value Estimator

Estimate the IRAS Annual Value (AV) of your HDB, condo, or landed property — and the resulting property tax for both owner-occupied and non-owner-occupied scenarios.

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GST Calculator Singapore

Quickly add 9% GST to any price, or extract the GST from a GST-inclusive amount. Simple.

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apartment

Rental Income Tax Calculator

Earning rental income? See your tax after deductible expenses and find out your marginal rate on rental profits.

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school

SDL Calculator

Calculate Singapore Skills Development Levy at 0.25% of monthly wages, with a $2 floor and $11.25 cap per employee. Includes part-time and foreign workers.

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Salary Percentile Calculator

See where your monthly income ranks among Singapore full-time employed residents. Median is $5,775/mo (MOM 2025). Interactive distribution chart with milestones to the next bracket.

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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.

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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.

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payments

Dividend Tax Calculator Singapore 2026

Calculate the net dividend you receive from Singapore-listed and foreign stocks after withholding tax. Singapore's one-tier system means SG dividends are tax-exempt — see how US, UK, HK and other foreign dividends are treated.

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volunteer_activism

Donation Tax Relief Calculator (2026)

See your 250% tax deduction, tax saving, and net cost of giving for donations to an IPC.

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home

Housing & Property

26 calculators

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receipt_long

Stamp Duty Calculator (BSD + ABSD + SSD)

Combined Singapore stamp duty calculator covering BSD, ABSD, and SSD. Switch between buying mode (BSD + ABSD) and selling mode (SSD).

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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.

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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.

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ABSD Remission Calculator

Married couple with one Singapore Citizen? Calculate the full ABSD refund on your second property if you sell your first within 6 months — plus the 180-day deadline tracker.

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sell

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.

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account_balance

Mortgage Calculator

Compare HDB loan vs bank loan side by side — see monthly repayments, total interest, and full amortisation schedule for both options.

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construction

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.

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percent

Loan-to-Value (LTV) Calculator

Find out your maximum loan amount. HDB loan: 80% LTV. Bank loan: 75%. Second property: 45%. Know your limit.

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assessment

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.

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house

HDB Affordability Calculator

What's the maximum HDB flat you can actually afford? Enter your household income, CPF, and savings — get a realistic budget.

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redeem

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.

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HDB Resale Levy Calculator

Second-time subsidised flat buyer? Calculate the $15,000–$55,000 HDB resale levy by your first-flat type, applicant scheme, and second-flat purchase type.

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apartment

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.

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savings

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.

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Rental Yield Calculator

Is your investment property actually performing? Enter purchase price and rental income — see gross and net yield instantly.

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Property Investment Returns Calculator

Full Singapore property investment math: yield + capital appreciation - ABSD - holding costs - SSD risk. Annualised return vs SSB / S&P 500 / CPF SA alternatives.

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calendar_month

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.

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home

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+.

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upgrade

HDB Upgrade Path Calculator

Model the full cost of upgrading your HDB flat — resale levy, CPF accrued interest refund, ABSD if buying before selling, grants, and net cash needed. Compare sell-first vs buy-first side by side.

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swap_horiz

Decoupling Calculator

Calculate whether property decoupling makes financial sense. Compare BSD cost of share transfer vs ABSD saved on second property.

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home_work

HFE Pre-Check / Can I Buy This Flat? (2026)

Multi-step decision engine that combines HDB eligibility scheme, income ceiling, HDB vs bank loan, MSR/TDSR, BSD/ABSD and the EHG/CPF Housing/Proximity grant matrix into a single buy-or-not answer for any BTO, EC, HDB resale or private property.

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HDB Eligibility Checker

Check if you qualify to buy an HDB flat — by citizenship, marital status, income ceiling, first/second-timer rules. Covers BTO Standard / Plus / Prime, SBF, Resale, EC, and 3Gen.

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currency_exchange

Mortgage Refinancing Calculator Singapore 2026

Calculate your monthly savings, break-even period, and net benefit from refinancing your Singapore home loan. Factors in legal fees, valuation costs, and lock-in penalties.

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switch_access_shortcut

Mortgage Repricing Calculator

See if repricing your home loan with the same bank beats refinancing to a different bank. No legal fees, no valuation — full break-even maths with DBS, OCBC, UOB, SCB, Maybank context.

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compare

Best Home Loan Rates Singapore 2026 — Bank Comparison

Compare home loan packages from DBS, OCBC, UOB, Standard Chartered and Maybank side-by-side. See year-1 rates, lock-in periods, cashback offers, and net cost over 2/3/5 years — ranked by total cost. Rates refreshed monthly.

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description

Rental Stamp Duty Calculator (2026)

Work out the stamp duty payable on a tenancy agreement from the rent and lease term.

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school

Education

13 calculators

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school

Edusave Calculator Singapore

Project your child's Edusave account from MOE's annual contributions ($230 primary, $290 secondary), with what it pays for and the Edusave award amounts.

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grade

PSLE Score Calculator

Convert subject marks to Achievement Levels and see the total PSLE score. Includes secondary school cut-off points for immediate comparison.

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school

DSA Secondary School Checker Singapore

Score your Direct School Admission (DSA-Sec) readiness by talent area, achievement level, and track record — with the 2026 application window and tailored next steps.

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school

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.

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school

NTU GPA Calculator

Calculate your NTU cumulative GPA on the 5.0 scale. See the impact of each semester on your overall standing.

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school

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).

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school

SUTD GPA Calculator

Calculate your SUTD GPA on the 5.0 scale with credit-weighted grades. Check First Class, Second Class (Upper/Lower), and Third Class Honours classification.

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school

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.

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quiz

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.

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school

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.

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public

IB Score Calculator

Calculate your IB Diploma score including TOK/EE bonus points. Max 45. See how it converts for Singapore university admissions.

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account_balance

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.

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child_care

Childcare & Infant Care Subsidy Calculator (2026)

Calculate your Singapore childcare subsidy: ECDA basic + additional + KiFAS + START-UP grant. Anchor, partner, and private centres. Means-tested by per-capita income.

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favorite

Health

11 calculators

Category pagechevron_right
monitor_weight

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.

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local_fire_department

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.

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accessibility_new

Body Fat Percentage Calculator

Estimate your body fat using the US Navy method — just waist, neck, and hip measurements. No calipers needed.

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scale

Ideal Weight Calculator

What should you weigh? See results from four trusted formulas (Devine, Robinson, Miller, Hamwi) adjusted for Singapore's healthy BMI range.

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water_drop

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.

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hourglass_empty

Singapore Life Expectancy Calculator

Estimate your lifespan using Singapore MoH life tables. Personalised for smoking, BMI, exercise, income, and chronic conditions. See your survival odds at 80, 85, 90, and 95.

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shield

Integrated Shield Plan Comparison (2026)

Compare MediShield Life plus Integrated Shield Plan (IP) premiums by age band and ward type. Uses MOH Protection Plans benchmarks to show typical annual premium + 30-year projection.

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accessibility_new

Body Shape Calculator

Find your body type — hourglass, pear, apple, rectangle, or inverted triangle — from bust, waist, and hip measurements, with style suggestions.

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elderly

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.

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medical_services

MediSave Withdrawal Calculator (2026)

See how much you can claim from MediSave for hospitalisation, day surgery, chronic disease management, the Maternity Package, MediSave Care, MediShield Life and Integrated Shield premiums, and outpatient cancer/dialysis.

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health_and_safety

CHAS Subsidy Calculator (2026)

Find your CHAS tier and the per-visit and chronic-disease subsidies you qualify for.

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directions_car

Cars & Loans

9 calculators

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account_balance

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.

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COE Price Tracker Singapore

Latest Singapore COE premiums for Category A, B, C, D and E with the change from the previous exercise and a 2-year trend chart, from official LTA data.

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confirmation_number

COE Calculator

See the total vehicle registration cost — COE premium + ARF + fees. Know the full damage before you bid.

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directions_car

COE Renewal vs New Car Calculator

Renew your car's COE for 5/10 years or scrap and buy new? Full math with PQP cost, PARF rebate forfeit, road-tax surcharge, and the maintenance delta for older cars.

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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.

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paid

PARF Rebate Calculator Singapore

Estimate the PARF rebate you get back when you deregister your car, from the ARF paid and the car age — across LTA's pre-2023, 2023 and revised 2026 schedules.

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payments

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.

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receipt_long

Road Tax Calculator

Calculate your annual road tax using LTA's engine capacity tiers. A 1,600cc car pays roughly $742/year.

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electric_car

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.

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event_available

Leave & Workforce

12 calculators

Category pagechevron_right
pregnant_woman

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.

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family_restroom

Paternity Leave Calculator

New dad? Check your 4-week paternity leave entitlement (doubled from Jan 2025) and the $2,500/week government-paid cap.

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event_available

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.

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payments

Daily Rate of Pay Calculator

Convert your monthly salary into a daily gross, daily basic, hourly basic and overtime rate using the MOM Employment Act formula.

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child_care

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.

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event_busy

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.

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work_off

Retrenchment Package Calculator Singapore

Estimate your retrenchment compensation — retrenchment benefit, pay in lieu of notice, and unused leave encashment — using MOM's 2-week to 1-month advisory norm.

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schedule

MOM Overtime Calculator

Calculate Singapore overtime pay at 1.5× hourly basic, plus rest day and public holiday pay under MOM Part IV. Workman + non-workman caps included.

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groups

Foreign Worker Quota Calculator

Calculate your DRC ceiling and S Pass sub-quota by sector. Services 35%, Manufacturing 60%, Construction 87.5%, Marine Shipyard 75% (Jan 2026).

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compare_arrows

Resign or Stay Calculator (Singapore 2026)

12-month side-by-side comparison of staying at your current job vs taking a new offer. Bakes in notice period, leave encashment, bonus claw-back, sign-on bonus, gap months and CPF.

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child_friendly

Singapore Baby Cost Timeline Calculator (2026)

7-year cumulative cost of having a baby in Singapore — pregnancy, delivery, confinement, infant care and childcare — net of Baby Bonus, CDA matching, MediSave Grant for Newborns and 16-week paid maternity leave.

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cleaning_services

Maid Levy Calculator (2026)

Work out your monthly migrant domestic worker (MDW) levy and the $60 concessionary rate. See how much the concession saves you per year.

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account_balance_wallet

Personal Finance

18 calculators

Category pagechevron_right
health_and_safety

Financial Health Check Singapore

5-step wizard combining salary, CPF, tax, savings, and retirement into one complete Singapore financial snapshot.

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savings

Fixed Deposit Calculator Singapore

Calculate FD maturity value and effective yield. Compare promotional rates from DBS, OCBC, UOB, Maybank, and StanChart.

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monitoring

Investment Returns Calculator Singapore

Project Singapore investment returns. Preset rates for Endowus, Syfe, StashAway, S&P 500 ETF, and STI ETF with scenario modelling.

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trending_up

Compound Interest Calculator Singapore

Calculate compound interest in SGD with preset rates for CPF OA/SA, SSB, T-bills, and SGS bonds. See growth charts over 1-50 years.

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show_chart

Inflation 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.

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payments

Personal Loan Calculator Singapore

Calculate personal loan monthly payment, total interest, and MAS TDSR usage. Covers DBS, OCBC, UOB, GXS rate ranges.

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shield

Emergency Fund Calculator Singapore

Calculate your 3-6 month emergency fund target and how long to reach it. With Singapore-specific parking options.

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celebration

Wedding Cost Calculator Singapore 2026

Estimate your Singapore wedding cost by banquet venue (restaurant / mid-hotel / premium / luxury), guest count, photography, videography, attire, and honeymoon. Reference ranges from May 2026 industry surveys.

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account_balance

Singapore Savings Bond (SSB) Calculator

Calculate SSB step-up interest returns over 1-10 years. Compare to T-bills and fixed deposits.

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account_balance

T-Bills Calculator Singapore

Calculate interest earned, discounted price, and maturity value for 6-month and 1-year Singapore Treasury Bills using the latest MAS cut-off yield.

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family_restroom

Life Insurance Need Calculator Singapore

Calculate how much life insurance coverage you need using the DIME method (Debt + Income + Mortgage + Education).

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paid

Gold Price Singapore Calculator

Today's indicative SGD gold price per gram (999/916/750/375) plus a calculator to value your gold or silver by weight and purity.

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savings

Net Worth Calculator Singapore

Calculate your total net worth across cash, CPF, investments, property. See liquid vs illiquid breakdown and SG benchmarks.

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credit_card

Credit Card Combo Optimizer Singapore

Find the optimal 1–3 credit card combination for your spend profile. Model every Singapore card combo — cashback or miles — and see which earns you the most after annual fees.

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account_balance_wallet

Am I Rich in Singapore? Calculator

Compare yourself across 6 dimensions — income, net worth, housing, car ownership, and lifestyle. Singapore-specific percentile data from MOM CLFS and DOS household surveys.

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account_balance

Debt-to-Income Ratio Calculator Singapore 2026

Calculate your Total Debt Servicing Ratio (TDSR) and Mortgage Servicing Ratio (MSR) against MAS limits. See instantly whether your debt load is healthy, stretched, or over the MAS TDSR 55% cap.

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redeem

CDC Voucher Calculator (2026)

Track your 2026 CDC voucher quantum, what has been disbursed, and what is still upcoming.

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payments

Workfare Income Supplement Calculator (2026)

Estimate your annual Workfare Income Supplement payout, split into cash and MediSave components.

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