If you've ever tried to figure out your CPF contributions, estimate your income tax, or work out how much mortgage you can afford in Singapore, you know the frustration. Most online tools are generic, paywalled, or require yet another account.
FA Tools is a free suite of financial calculators purpose-built for Singapore. No signup, no install, no data collected — just open the page and start calculating.
Four Tools, One Suite
CPF Calculator — Enter your age and monthly wages to see employee and employer contributions instantly. Three modes cover contribution breakdowns, OA/SA/MA allocation with visual charts, and the Additional Wage ceiling calculation. Supports all age-based tiers with 2025 and 2026 rates, including the OW ceiling increase to S$8,000/month.
Income Tax Calculator — Covers all 13 progressive brackets (0–24%) with 20+ relief types: CPF, SRS, course fees, spouse, children, parents, NSman, and donations. A real-time bar tracks your S$80,000 relief cap usage. Toggle between YA 2024–2026 to see how rule changes — like the Course Fees Relief sunset — affect your bill. Non-resident comparison included.
Mortgage Calculator — Two modes: enter a home price to see your monthly payment, or enter your monthly budget to find the maximum home price you can afford. Includes property tax, insurance, HOA, and PMI. A donut chart breaks down where each dollar goes, and a full amortization schedule shows principal vs. interest over the life of the loan.
Trust Analysis Calculator — Model whether a trust will last or how much principal you need for perpetual income. Accounts for gross returns, trustee fees (typically 0.5–1.0% p.a.), and annual withdrawals. Interactive 35-year charts and break-even tables help set realistic expectations.
What Makes It Different
Every calculator reflects Singapore's actual rules — CPF age tiers, IRAS brackets and reliefs, no estate duty since 2008. These aren't US tools with a currency swap.
Results are instant. All calculations run locally in your browser — no server round-trip, and the tools even work offline. Every tool exports to PDF and Excel with multi-sheet workbooks, useful for advisors documenting recommendations or anyone keeping records.
And there's no account to create. Open the link, use the tool, close the tab.
Coming Soon
Two more calculators are on the way. Educational Planning will project university costs for local and overseas institutions, model savings strategies, and factor in CPF Education Scheme usage. Insurance & Protection Planning will assess your coverage gaps across life, critical illness, disability, and hospitalisation — giving you a clear picture of where you're protected and where you're exposed.
Try It Now
Four tools are live and free today. Enable the bell icon on any page to get notified when new calculators launch. Have feedback? Reach out via the contact button — WhatsApp, email, or schedule a call.
FA Tools is built by DigitalNext — a Singapore-based technology consultancy helping businesses and individuals make better decisions with better tools.
Singapore Financial Advisory
FA Tools
A suite of financial calculators tailored for Singapore — income tax, mortgage planning, and trust analysis.
