Official 2026 Rates · Verified

Practical Singapore money playbooks.

Our 71 free calculators get you the number. These books help you decide what to do with it — decision frameworks, worked examples, and a bundled spreadsheet that does the math for your specific situation. Every figure runs the same 2026 official Singapore government rates as the free tools.

CPF for Real Life in Singapore
Available now

CPF for Real Life in Singapore

The 2026 Playbook

Stop guessing what to do with your CPF. Run your real numbers, see the answer, make the call.

menu_book95 pagesformat_list_numbered8 chapterssellFrom S$19
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The HDB Decision Workbook

From "should I buy?" to keys, decoded

BTO vs resale vs EC, HDB vs bank loan, the grants stack, BSD/ABSD, and the downpayment math — with the worksheets that put your numbers on paper.

menu_book80 pagesformat_list_numbered8 chapterssellFrom S$19
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The Singapore Tax Optimization Playbook

Every legal lever, ranked

A working playbook of every legitimate Singapore income tax relief — ranked by S$ saved per hour of effort, with worked examples across the S$100k / S$200k / S$400k income tiers.

menu_book75 pagesformat_list_numbered8 chapterssellFrom S$29
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The Retirement Planning Bundle

The 10-year transition from accumulation to drawdown

For Singaporeans 40+. Nine chapters and a bundled CPF/SRS spreadsheet that take you year-by-year from S$300k–S$1.5M of investable assets through the 55 reshuffle, CPF LIFE plan choice, and the 10-year drawdown plan.

menu_book120 pagesformat_list_numbered9 chapterssellFrom S$49
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The Smart Calculator Mega Bundle

All four playbooks. One price.

The complete Singapore financial-decision library — CPF, HDB, Tax, and Retirement playbooks bundled together at one price.

menu_book370 pagesformat_list_numbered33 chapterssellFrom S$99
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Why we charge for these

Smart Calculator's 71 calculators are free, ad-supported, and built by a small team in Singapore. The calculators tell you the number. The books help you decide what to do with it — decision frameworks, worked examples, and a bundled Google Sheets workbook that tracks your specific situation across years.

Every book is updated every January when CPF, IRAS, MOF, and HDB announce new rates. Past buyers get the updates for free.