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.
Get the playbook
A practical Singapore CPF playbook covering housing, top-ups, tax relief, the 55 reshuffle, CPF LIFE plan choice, and SRS — with the bundled Google Sheets workbook that does the math. Built around the same 2026 official rates as Smart Calculator's 71 free tools.
- check_circle8 chapters covering CPF, housing, top-ups, the 55 reshuffle, CPF LIFE, and SRS
- check_circleBundled Google Sheets workbook — 8 tabs that take your inputs and project your retirement income year-by-year
- check_circle"Your Numbers" worksheet at the end of every chapter
- check_circleUpdates emailed every January when CPF / IRAS / MOF / HDB announce new rates
- check_circle7-day no-questions-asked refund
Pricing
S$29
Bundle — book + workbook. Book-only S$19.
Get the bundle — S$29Book only (PDF) — S$19Education only — not financial advice. Verify every figure against cpf.gov.sg before you commit a dollar.
What you'll learn
By the end of the book, you'll be able to:
- paymentsPredict your monthly CPF deduction and take-home pay for any salary, age, and bonus, to within a dollar.
- home_workDecide between using your OA or your cash for a property purchase, with a number, not a feeling.
- savingsCalculate the optimal voluntary top-up that maxes out your tax relief without overshooting the FRS.
- celebrationWalk into your 55th birthday with a written plan for every CPF dollar.
- ruleChoose your CPF LIFE plan (Standard, Basic, or Escalating) with a clear-eyed view of the trade-offs.
- account_balanceDecide whether to fund SRS this year, and if yes, exactly how much.
- descriptionWrite a one-page CPF plan for the next five years that you re-run every January.
Pairs with these free calculators
The math is already on the site. The book helps you decide what to do with it.
Frequently asked
Honest answers before you buy.
Is this just the free articles bundled together?expand_more
No. The book restructures the substance into a decision-by-decision playbook with frameworks, worked examples, and a "Your Numbers" worksheet at the end of every chapter. The bundled Google Sheets workbook does the math — taking your inputs and showing the answer for housing, top-ups, the 55 reshuffle, CPF LIFE plan choice, and SRS drawdown. The free articles answer "what is X." The book answers "what should I do."
Will it be updated when CPF rates change?expand_more
Yes. Every January, when CPF Board, IRAS, and MOF announce new rates, we send all past buyers a one-page memo of what changed and which chapters are affected. The bundled workbook is parametric — change the rates in the inputs sheet and every projection updates.
Is this financial advice?expand_more
No. The book is education only. It walks through frameworks and the math behind common CPF decisions, but every reader's situation is unique — for material decisions (especially around 55 and 65), see a licensed financial adviser. The book makes you a sharper conversation partner.
PDF only, or bundle?expand_more
Two SKUs. The PDF + EPUB at S$19 is the book and worksheets. The bundle at S$29 adds the Google Sheets workbook — eight tabs that take your CPF balances and project your retirement income year-by-year.
Refund policy?expand_more
7-day, no-questions-asked refund. Long enough to read the book and try the workbook against your real numbers. Short enough to be fair on a digital product.