CPFAvailable 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.
Singapore money,
decided.
The free calculators give you the number. These playbooks, workbooks and planners help you decide what to do with it — built on the same audited 2026 SG government rates that power every tool on this site.
menu_book3 playbooks & workbooksboltInstant downloadverified2026-rate verified
All products
3 productsTax & SalaryAvailable now
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.
RetirementAvailable now
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.
Why this store exists
Smart Calculator is run by a small team in Singapore. The calculators are free and always will be — paid playbooks fund the work of keeping every rate audited against CPF Board, IRAS, MOF, HDB, MAS and MINDEF whenever those agencies update.
Every paid product is an instant download you keep forever. If a 2026 rate changes after you buy, past buyers get the update memo by email. As these are digital downloads, all sales are final.
shield
Audited against source
Every figure traces back to an official .gov.sg rate, reviewed within 48 hours of changes.
bolt
Instant delivery + updates
Download immediately after checkout. Free updates for the 2026 assessment year.