Calculators
Calculators (Singapore, 2026)
Use calculators to stress-test a decision, not to replace the model.
These tools are most useful after you choose the right framework. Start with the path below, then run the calculator that matches the actual decision you are making.
Best transport tools
Affordability, real monthly cost, and car-vs-ride-hailing break-even.
Best property tools
Affordability, upfront cash, sell proceeds, and sell-then-buy pipeline.
Use carefully
A calculator can be numerically correct and still support the wrong decision path.
Start with the decision you are trying to answer
Pick the question first. This usually gets you to the right calculator faster than browsing an undifferentiated list.
I am deciding about a car
I am deciding about buying property
I am moving from one property to another
I am sizing protection
I am budgeting support for aging parents
- Aging parents caregiving cost
- Helper vs home-care cost
- Adult day care vs keep-at-home cost
- Appointment and transport burden
- Overnight supervision burden
- Rent near parents vs buy near parents cost
- Move parents in vs nearby households cost
- Shared home vs two households cost
- Medication-management burden
- Nutrition-support burden
- Continence-support burden
- Home modifications vs relocating cost
- Walker-friendly home vs wheelchair-ready home
- Hearing and vision home-adjustment cost
Fast calculator routes
- I want to know if owning a car makes sense. Use car vs ride-hailing, then car affordability.
- I want to know if I can buy safely. Use property affordability, then TDSR / MSR, then cash needed.
- I am selling one property and moving to another. Use Sell → Buy Next pipeline, then use sell proceeds and upgrade / downgrade.
- I need a financing answer. Use mortgage amortization, refinance savings, or pay down mortgage vs invest.
- I need to size core protection properly. Use life insurance coverage gap before comparing products or premium structures.
- I need to price ongoing support for aging parents. Use aging parents caregiving cost before choosing which support model the household can actually carry. Then use helper vs home-care cost if the real decision is which paid-care route to run, adult day care vs keep-at-home cost if the real choice is daytime structure versus keeping the parent at home, appointment and transport burden if repeated follow-up is now draining time, transport, and coordination capacity, and overnight supervision burden if repeated waking, wandering risk, or light sleeping is quietly draining the household after dark. Then use medication-management burden, nutrition-support burden, and continence-support burden when the real problem is no longer one big care decision, but the recurring daily load.
Top calculators
Use these if you want the shortest path to the tools that answer the highest-value questions first.
Transport picks
Property picks
Move / financing picks
Protection pick
Family pick
Featured calculator cards
Car Affordability Calculator
Car Ownership Cost Calculator
Car vs Ride-Hailing Calculator
Property Affordability Stress Test
Upfront Cash Needed to Buy Property
Sell → Buy Next Pipeline
Mortgage Amortization
Sell Property Proceeds Calculator
COE Renew vs Replace Calculator
Aging Parents Caregiving Cost Calculator
Helper vs Home-Care Cost Calculator
Adult Day Care vs Keep-at-Home Cost Calculator
Childcare vs Helper Cost Calculator
Childcare Near Home vs Near Work Cost Calculator
Grandparent Care vs Paid Care Cost Calculator
Appointment and Transport Burden Calculator
Overnight Supervision Burden Calculator
Shared Home vs Two Households Cost Calculator
Move Parents In vs Nearby Households Cost Calculator
Rent Near Parents vs Buy Near Parents Cost Calculator
Long-Term Care Funding Calculator
Caregiver Capacity vs Home Help Calculator
Browse all calculators by cluster
Transport
- Car vs ride-hailing break-evenMonthly break-even between owning a car and using ride-hailing.
- Car affordabilityStress-test whether your income can sustain car ownership costs.
- Car ownership cost5-year total cost model including depreciation, COE, and running costs.
- Car loanMonthly repayment and total interest for car loan structures.
- Car leasing vs buyingTrue cost comparison between leasing and outright car purchase.
- Used vs new carTotal cost difference between used and new car over the same period.
- COE loanLoan cost when financing a COE renewal.
- EV vs petrolRunning cost comparison between an EV and a petrol car.
- COE renew vs replaceWhether renewing COE or replacing the car makes more financial sense.
Property
- Sell → Buy Next pipelineTimeline and cash flow for selling one property and buying the next.
- Upgrade / downgrade propertyNet cost of upgrading or downsizing your property.
- Property upgrade ladderMulti-step property upgrade cost model from HDB to condo.
- CPF accrued interestCPF accrued interest owed on property sale proceeds.
- Property affordabilityStress-test whether your income can sustain a property purchase.
- Rent vs buy5-year cost comparison between renting and buying a property.
- How much cash to buy propertyUpfront cash needed for a property purchase including all duties.
- Sell property proceedsNet proceeds after selling a property, CPF, and outstanding loan.
- Rent out vs sellNet return from renting out your property vs selling it now.
- Mortgage amortizationMonthly repayment schedule and total interest over your loan term.
- Pay down mortgage vs investWhether spare cash earns more paying down the mortgage or investing.
- HDB loan vs bank loanTotal cost comparison between HDB and bank loan over the loan term.
- TDSR / MSRCheck whether your income meets TDSR and MSR borrowing limits.
- BSD & ABSDBuyer's Stamp Duty and ABSD payable on a property purchase.
Protection
- Life insurance coverage gapEstimate how much protection your household actually needs after debts, dependants, and existing cover.
Family
- Aging parents caregiving costMonthly cost of supporting aging parents across caregiving options.
- Helper vs home-care costMonthly cost of a live-in helper versus home-care services.
- Adult day care vs keep-at-home costMonthly cost of adult day care versus keeping a parent at home.
- Childcare vs helper costMonthly burden of centre-based childcare versus a live-in helper route.
- Childcare near home vs near work costCompare fee, transport, time loss, and pickup risk across locations.
- Grandparent care vs paid care costMonthly burden of family-supported care versus a formal paid route.
- Move near childcare or keep home and own a car costCompare housing uplift against vehicle control as the cleaner route fix.
- Bigger home farther out vs smaller home near childcare costCompare space premium against route relief and pickup friction.
- Second car or childcare near work costCompare a second vehicle against near-work childcare as the cleaner fix.
- Move closer to school or keep home and own a car costCompare school-proximate relocation against buying route control.
- Buy family car or move closer to work and school first costCompare a family-car solution against location relief across school and work anchors.
- Move near school or keep bigger home first costCompare route relief against the carrying cost of preserving more family space.
- Appointment and transport burdenMonthly burden of managing aging-parent medical appointments.
- Overnight supervision burdenMonthly burden of overnight supervision for aging parents.
- Shared home vs two households costMonthly cost of one shared home versus two separate households.
- Move parents in vs nearby households costCost of moving parents in versus maintaining nearby households.
- Rent near parents vs buy near parents costMonthly cost of renting near aging parents versus buying near them.
Investing
- Surplus cash allocationRank the next dollar across SRS, CPF SA, CPF OA investing, mortgage prepayment, and regular cash investing.
- Retirement income layeringRank CPF LIFE, SRS withdrawals, SSB ladder, dividend income, and a cash bucket by floor versus flexibility job.
How to use these calculators without fooling yourself
- Choose the right comparison first. If you are still deciding the category of move, use Decision Comparisons.
- Use conservative inputs. Higher rates, slower income growth, weaker resale outcomes, and buffers for repairs usually produce more useful decisions.
- Stress-test fragility. A decision that only works in the best case is usually not a good decision.
- Read the mechanics page if the result is close. Close calls are often decided by taxes, duties, timing, lock-ins, or transition friction.
Methodology, assumptions, and limitations
These calculators are planning tools, not financial advice. They use the inputs you provide and apply common Singapore cost components so you can pressure-test affordability and compare scenarios quickly.
What is included
- Core ownership costs such as financing, depreciation or COE where relevant, insurance, running costs, and common property duties or fees where relevant.
- Stress-testing logic where available so visitors can see how fragile a decision becomes under worse conditions.
What is not included
- Every personal edge case, employer benefit, promotion, or tax nuance.
- Exact resale, valuation, or transaction outcomes, which depend on market conditions and asset specifics.
Use results as ranges, then cross-check with the related guides and official sources.
Last updated: 06 Apr 2026