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What is SGFinanceCalculators.com?

SGFinanceCalculators.com is Singapore’s largest free financial calculator hub, providing 300+ free tools updated for 2026 CPF Board, IRAS, and MAS regulations. Operated by MAFHH INTERNATIONAL LTD, the platform covers 11 financial verticals — Property, CPF, Tax, Loans, Credit Cards, Insurance, Investments, Family, Expat, Lifestyle, and Career — designed specifically for Singapore Citizens, Permanent Residents, and expatriates.

Unlike generic international calculators, every tool on SGFinanceCalculators.com is built around Singapore’s unique financial rules: the CPF Board’s S$8,000 ordinary wage ceiling (effective January 2026), IRAS’s progressive income tax rates (0–24%), MAS Total Debt Servicing Ratio (TDSR) rules, and the Additional Buyer’s Stamp Duty (ABSD) framework for property purchases.

✅CPF Board verified: All contribution rates, allocation ratios, and retirement sums sourced from official CPF Board publications (cpf.gov.sg), updated for 2026.
✅IRAS-aligned: Personal and corporate income tax logic follows IRAS Year of Assessment 2026 rates, reliefs, and rebates.
✅MAS-compliant: TDSR, MSR, and loan calculators follow the Monetary Authority of Singapore’s latest property cooling measures.
✅Precision math: Built with Big.js arithmetic to eliminate floating-point errors in CPF rounding, ABSD tier calculations, and compound interest projections.
✅PDF + WhatsApp share: Every calculator generates a branded PDF report and a pre-filled WhatsApp message for sharing results.
✅Zero cost: All 300+ tools are permanently free. No account required. No data stored. No advertising in the tools.

According to CPF Board data for 2026, the key changes affecting Singaporeans include the final step of the OW ceiling increase to S$8,000, increased CPF contribution rates for workers aged 56–65, and the completion of the Special Account closure for members above 55. SGFinanceCalculators.com was built to help Singaporeans navigate these changes instantly, without needing to read government PDFs.

Frequently Asked Questions

Singapore Finance Calculator FAQs — CPF, Tax, Property & More 2026

SGFinanceCalculators.com is Singapore’s largest free calculator hub, covering 300+ tools across CPF, property stamp duty (ABSD, BSD), personal income tax (IRAS YA2026), mortgage TDSR/MSR, S-REIT investments, family support schemes (Baby Bonus, childcare subsidies), expat EP pass eligibility, and lifestyle cost-of-living tools. All calculators are updated for 2026 CPF Board, IRAS, and MAS regulations, require no login, and are permanently free.
The CPF Contribution Calculator on SGFinanceCalculators.com uses the official CPF Board rates effective 1 January 2026, including the S$8,000 Ordinary Wage ceiling, all 5 age-band contribution rates (from 37% for age 55 and below to 12.5% for above 70), PR Year 1/Year 2 graduated rates, and the official allocation ratios for OA, SA/RA, and MediSave from the CPF Board’s published PDF tables. The calculator applies the CPF Board’s exact rounding rules: total rounded to nearest dollar, employee share rounded down, employer share as the remainder.
The ABSD Calculator on SGFinanceCalculators.com lets you calculate Additional Buyer’s Stamp Duty for Singapore Citizens (0% first property, 20% second, 30% third+), Permanent Residents (5% first property, 30% second+), and foreigners (60% on all properties). The calculator also handles FTA nationals (US, Swiss, Icelandic, Liechtenstein, Norwegian citizens treated as Singapore Citizens under Free Trade Agreements), the ABSD remission for married couples buying a second home, and the 14-day OTP payment deadline.
The CPF Ordinary Wage (OW) ceiling in 2026 is S$8,000 per month, effective 1 January 2026. This is the final step of a multi-year increase from S$6,000 in 2023. CPF contributions on ordinary wages are calculated only on the first S$8,000 of monthly salary, even if an employee earns more. The Annual Wage Ceiling remains at S$102,000, and the CPF Annual Limit (employee contributions only) remains S$37,740.
Singapore personal income tax (Year of Assessment 2026) uses a progressive rate from 0% on the first S$20,000 of chargeable income to 24% on income above S$1,000,000. Before applying rates, taxpayers deduct eligible reliefs — including earned income relief, CPF relief, Working Mother’s Child Relief (WMCR), SRS contributions, and course fees relief — subject to the S$80,000 annual relief cap. The Personal Income Tax Calculator on SGFinanceCalculators.com computes your chargeable income after reliefs, applies the graduated bracket rates, and shows your effective tax rate.
The Total Debt Servicing Ratio (TDSR) is a MAS-mandated rule that caps your total monthly loan repayments (all debts including the property loan) at 55% of your gross monthly income. For HDB loans specifically, there is also a Mortgage Servicing Ratio (MSR) cap of 30% of gross income. The TDSR Calculator on SGFinanceCalculators.com takes your income, all existing debt obligations, and calculates the maximum property loan you qualify for — helping you understand your borrowing power before making an offer.
Yes. All 300+ calculators on SGFinanceCalculators.com are permanently free to use. No account registration or login is required. No personal data is collected or stored. No calculator results are paywalled or limited. PDF report downloads and WhatsApp sharing are also free on every tool. The site is operated by MAFHH INTERNATIONAL LTD as a free public resource for Singaporeans and Singapore residents.
All calculators are updated whenever the Singapore government announces changes to CPF Board rates, IRAS tax rates, MAS lending rules, HDB policies, or other relevant regulations. Major annual updates occur in January (CPF contribution and allocation rates, IRAS Year of Assessment figures), and mid-year (CPF retirement sums, BHS, FRS updates). Each calculator page shows the date its rates were last verified. The CPF and tax tools were last updated for 1 January 2026 changes, verified June 2026.

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