Singapore Investment Calculators 2026
40 free investment calculators for Singapore investors: Government bonds & T-bills, S-REITs, SRS & retirement planning, investment fees & robo-advisors, and long-term wealth growth & FIRE tools — built specifically for the Singapore market.
Singapore T-Bill, SSB & Bond Calculators
With T-Bills and SSBs offering competitive yields, these are the highest-volume “safe haven” tools for Singapore savers and investors.
Singapore REIT & Dividend Calculators
S-REITs are the “national hobby” of Singapore stock investors — these tools focus on yield, valuation and risk.
SRS Tax Savings & Retirement Calculators
The Supplementary Retirement Scheme (SRS) is a legal tax haven — these tools help optimise the S$15,300 annual cap.
Fee Comparison & Robo-Advisor Calculators
Singapore’s crowded robo-advisor market means fee drag can quietly erode returns — these tools quantify the long-term cost.
Compound Growth & FIRE Calculators
Long-term wealth-building tools targeting the Financial Independence (FIRE) community in Singapore.
Where to Invest Your Money in Singapore
| Investment | Typical Yield / Return | Risk | Liquidity | Tax-Free? |
|---|---|---|---|---|
| CPF OA (Guaranteed) | 2.5% p.a. | Zero | Locked until 55 | Yes |
| CPF SA / RA (Guaranteed) | 4.0% p.a. | Zero | Locked until 65 | Yes |
| Singapore T-Bill (6M) | ~3%–4% p.a. | Near-zero | 6 months | Yes |
| Singapore Savings Bond | Step-up avg, ~2.5%–3.5% | Near-zero | 1 month notice | Yes |
| S-REITs | 5%–8% yield | Medium | T+2 days | Yes |
| Broad Equity / ETF | ~6%–8% p.a. historical | Medium-High | T+2 days | Yes (no CGT) |
| SRS (invested) | Market return + tax saving | Variable | After statutory retirement age | 50% at withdrawal |
Singapore Investment FAQs 2026
S$15,300 per year for Singapore citizens and PRs, and S$35,700 per year for foreigners. Contributions reduce chargeable income dollar-for-dollar.
Yes, for individual investors. REITs must distribute at least 90% of distributable income, and this portion is tax-exempt at the investor level.
Your FIRE number is annual expenses divided by your chosen safe withdrawal rate (commonly 4%, 3.5% or 3%), representing the portfolio needed to sustain your lifestyle indefinitely. Use the FIRE Number Calculator above for your specific figure.
Singapore T-bills are auctioned fortnightly by MAS for 6-month and 1-year tenures. Non-competitive bidders receive the cut-off yield automatically, with interest paid upfront as a discount on the purchase price.
Both reduce chargeable income, but CPF earns a guaranteed rate while being locked until a later age, whereas SRS funds can be invested with more flexibility but market risk. Many prioritise the guaranteed CPF top-up first, then SRS for remaining budget.
Singapore has no capital gains tax, so most individual investors pay zero tax on crypto gains. Frequent, high-volume trading may be classified by IRAS as income rather than capital gains.
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Start Building Your Singapore Investment Portfolio
40 free calculators — T-bills, REITs, SRS, FIRE and more. No sign-up, no ads.
Calculate SRS Tax Savings →Disclaimer: All calculators are for educational purposes only and do not constitute financial advice. Investment returns shown are illustrative and not guaranteed. Past performance is not indicative of future results. SGFinanceCalculators.com is owned by MAFHH INTERNATIONAL LTD and is not an MAS-licensed financial adviser. Consult a licensed financial adviser before making investment decisions.