Last updated: June 2026

About SGfi

Who We Are

SGfi is a Singapore-focused personal finance comparison platform. Our mission is to make local financial data accessible through free interactive tools — not static articles.

We are not part of, owned by, or controlled by any bank, financial institution, the Central Provident Fund (CPF) Board, or the Monetary Authority of Singapore (MAS). When we earn referral commissions from financial product applications, this is clearly disclosed.

The current toolset includes:

• CPF Contribution Calculator— projects contributions, allocation, and balances to age 65.
• Miles Calculator— a KrisFlyer earning simulator, points-to-miles converter, and award destination map.
• Miles Cards Comparison— ranks Singapore miles cards against your actual monthly spending.
• Cashback Cards Comparison— ranks Singapore cashback cards by projected net annual cashback based on your actual spending.
• Maid Insurance Comparison— ranks Singapore maid insurance plans by net cost for your chosen duration, co-payment and medical limit, with MOM-mandated limits shown side by side.
• Savings Account Optimizer— ranks Singapore high-interest savings accounts by projected annual interest for the balance and qualifying steps you enter.
• Property & HDB Tools— check your BTO/EC income-ceiling eligibility, HDB affordability, CPF housing grants, and Buyer's/Seller's Stamp Duty.
• SG Rates— a time-stamped reference for Singapore CPF, SORA, and card/savings rates.
• Financial Glossary— plain-English definitions of local personal-finance terms (CPF, KrisFlyer, cashback mechanics, savings-account jargon).
• Research— original data studies, including the SGfi Miles Index.

Where Our Data Comes From

Every number the site produces is either taken from a primary source or clearly labelled as SGfi's own derivation or model. We do not rebroadcast third-party aggregators. Data is manually re-verified against its issuer source on a quarterly minimum schedule, and monthly for rates that change more often. For the full standards behind this (sourcing, review, and corrections), see our Editorial Policy and Methodology.

CPF rates and allocation rules

Sourced directly from the CPF Board at cpf.gov.sg. We verify contribution rates against the published employer contribution tables and allocation ratios (OA / SA / MA) against the official CPF allocation guide. CPF contribution rates on this site are effective 1 January 2026; CPF interest rates are reviewed quarterly (current window 1 July to 30 September 2026 — see the Rates page).

Credit card earning rates

Miles-per-dollar rates, bonus category caps, and annual fees are sourced from official bank product pages: DBS, UOB, OCBC, Citibank, HSBC, American Express, Standard Chartered, and Maybank.

KrisFlyer award chart

Miles and taxes by cabin class are sourced from Singapore Airlines' official redemption tables at singaporeair.com.

Points conversion, block sizes, and transfer fees

Sourced from each bank's official transfer partner page. Conversion ratios, minimum block sizes (e.g. 10,000 ThankYou Points = 4,000 KrisFlyer miles), and per-transfer fees are checked against the issuing bank's current rewards terms.

Data verification

Every card entry in our dataset includes a review date. The rate tables, caps, and fees shown on the site are cross-checked against primary sources, and each card carries the date it was last verified on its own page.

How SGfi Is Funded

SGfi is free to use. There are no subscriptions, no paywalls, and no display ads.

Revenue comes from affiliate commissions. When a user clicks through to a bank's card application page from SGfi and is approved for the card, the bank may pay SGfi a commission. Users never pay more by using our links.

Affiliate links across the site are clearly marked with “Affiliate” text shown directly beneath or beside the button they apply to.

Affiliate relationships do not influence rankings. Cards are ranked solely by projected miles earned at the spending amounts you enter. The ranking algorithm is deterministic: the same inputs always produce the same order, regardless of which cards have affiliate partnerships and which do not.

SGfi has no affiliate relationship with the CPF Board, the Monetary Authority of Singapore (MAS), or Singapore Airlines. Data from these organisations is used for educational comparison only.

Important Disclaimers

SGfi is not a licensed financial adviser under Singapore's Financial Advisers Act (FAA). We do not provide personalised financial advice or product recommendations.

What we provide are comparison tools and educational information built from publicly available data. Users should consult a licensed financial adviser before making any financial decision — taking up a credit card, adjusting CPF top-ups, or otherwise.

Card terms, interest rates, sign-up bonuses, and miles redemption values change frequently. Always verify the current offer with the issuing bank before applying.

Contact Us

Email: [email protected]

Spotted a data error? If you find an outdated rate, broken link, or incorrect calculation, email us. We verify and fix reported issues within 48 hours and log the correction in the card or calculator's revision history.