145 Free Calculators · Official 2026 Rates
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Free Singapore calculators for CPF, tax, stamp duty, IPPT, HDB loans, and more — every figure verified against official 2026 government rates.
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The Financial Health Check is a single 5-step wizard combining salary, CPF, income tax, savings rate, and retirement trajectory — verified against 2026 CPF Board and IRAS figures.
145
Calculators
14
Categories
2026
Rates Year
100%
Free & Private
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Today's featured calculators
All calculatorschevron_rightMultiplier 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.
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.
Zakat Fitrah Calculator Singapore
Calculate your household's Zakat Fitrah obligation for Ramadan using the MUIS-published rate. Standard and higher-grade rice rates included.
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.
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.
Singapore Employer Hiring Cost Calculator (2026)
All-in monthly + multi-year cost of hiring in Singapore by pass type — salary + employer CPF (SC/SPR) + SDL + Foreign Worker Levy (S Pass + WP) + WICA insurance + Dependant Pass fees.
The definitive guides
Read before you decide
All guideschevron_rightComplete Retirement Planning Guide
CPF LIFE, SRS, FIRE, healthcare — all 3 pillars covered
Read the guidearrow_right_altComplete Singapore Income Tax Guide YA2026
Brackets, reliefs, AIS, filing deadlines and worked examples
Read the guidearrow_right_altComplete KrisFlyer Miles & Travel Guide
Earning, redeeming, status — everything Singapore travellers need for KrisFlyer in 2026
Read the guidearrow_right_altComplete HDB First-Time Buyer Guide
HFE letter, BTO vs resale, grants, loans, MOP — the whole journey
Read the guidearrow_right_altEvery number verified against the official Singapore source.
CPF Board, IRAS, HDB, MINDEF, MOE — not training data. When rates change, we update within 48 hours.
From the editorial
Guides for Singapore
All articleschevron_rightFeatured
How to File Income Tax Singapore 2026: IRAS e-Filing Walkthrough
Step-by-step on IRAS e-filing for YA2026 — pre-filled fields, what to add manually, when NOA arrives, and how to amend a filed return.
How to Buy ETFs in Singapore 2026: SGX vs US Listings
A practical guide to buying ETFs as a Singapore investor in 2026 — broker choices, SGX-listed vs Irish UCITS vs US listings, dividend tax, fees.
Term Life Insurance Singapore 2026: How Much Coverage You Need
How term life insurance works in Singapore 2026 — what 10× annual income actually buys, breakeven on whole-life, riders worth paying for.
All categories
Every calculator you'll need.
14 institutional categories, 145 calculators — each verified against the official Singapore source.
CPF
CPF Board
Tax & Salary
IRAS
Housing & Property
HDB · SLA
NS & IPPT
Education
MOE
Health
HPB · MOH
Cars & Loans
LTA · SLA
Retirement
CPF Board
Leave & Workforce
MOM
Parking & Transport
HDB · URA
Travel & Miles
Relocate to Singapore
Personal Finance
Islamic
Free resources
Free guides, checklists & planners
All resourceschevron_rightSingapore Tax Relief Cheat Sheet
All 22 IRAS personal reliefs — amounts, caps, and who qualifies
CPF Allocation Guide
How contributions split across OA, SA/RA and MA at every age band
Financial Milestones Checklist
What to have in place at every stage of your financial life — age 25 to 65
Money Move Quiz
A 6-question quiz that points you to the right calculator and free resource.
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Frequently asked questions
Are Smart Calculator results accurate?expand_more
Every rate, threshold, and formula is cross-checked against official .gov.sg publications including CPF Board, IRAS, HDB, MINDEF, and MOE. When government rates change, calculators are updated within 48 hours.
Is my data safe on Smart Calculator?expand_more
All calculations run entirely in your browser. Nothing is sent to any server, nothing is stored, and nothing is tracked. Your financial data never leaves your device.
How often are calculators updated?expand_more
Calculators are updated within 48 hours of any official government rate change. All calculators currently reflect 2026 rates effective from January 2026.
Do I need to create an account?expand_more
No. Smart Calculator is 100% free with no signup, no app download, and no login required. Just open and calculate.