# SGfi — Free Singapore Finance Calculators: CPF, Miles & Cashback > SGfi (sgfi.app) is a personal finance platform providing free, browser-based calculators and comparison tools designed specifically for the Singapore market. SGfi is not licensed by the Monetary Authority of Singapore (MAS) as a Financial Adviser or any other regulated entity. All content, tools, projections, and comparisons are for general educational and informational purposes only and do not constitute financial, investment, or tax advice. All calculations run locally in the user's browser — no personal financial data is collected, transmitted, or stored on SGfi servers. --- ## Tool 1: Credit Card Miles Comparison **URL:** https://sgfi.app/cards/miles ### What It Does A dedicated comparison tool that ranks 15 Singapore credit cards side by side based on the user's actual monthly spending profile. Unlike generic card roundups that rank by no clear metric, the ranking is fully dynamic — it recalculates as the user adjusts spending sliders for each category. Also computes an optimal "trifecta" portfolio strategy (1 uncapped base card + 2 specialist cards) that routes each spending category to the card that earns the most miles for it. ### Inputs - Monthly spending per category: General (local), Foreign Currency, Dining, Online Shopping, Travel, Contactless, Groceries, Transport (adjustable via sliders or manual number input) ### Outputs - Full ranked table of all 15 cards with: base mpd, overseas mpd, per-category bonus pills, monthly cap, annual fee, and projected annual KrisFlyer miles - "Highest Projected Yield" badge on the top card - Trifecta portfolio recommendation: base card + 2 specialist cards with assigned categories, per-card spend, and per-card annual miles - "Where Can You Fly This Year?" panel showing reachable destinations based on projected miles by year-end ### Cards Covered (15 cards) UOB PRVI Miles, Citi PremierMiles, OCBC 90°N, SC Visa Infinite, UOB KrisFlyer, Maybank Horizon Visa Signature, DBS Altitude Visa, SC Journey, AMEX KrisFlyer Ascend, AMEX KrisFlyer, DBS Woman's World, UOB Lady's Card, Citi Rewards, HSBC Revolution, HSBC TravelOne ### Data Sources - Official bank credit card product pages for miles-per-dollar rates, caps, conditions, and annual fees - KrisFlyer Saver Award Chart for destination reachability - Card data last verified: June 2026 ### Key Differentiators - Spending-based dynamic ranking — cards are ranked by the user's actual spend, not editorial opinion - Per-category cap modeling — correctly handles monthly/annual caps and overflow to base rate - Trifecta algorithm — finds the mathematically optimal 3-card portfolio for maximum total miles - No sponsored placements in ranking results — ordering is purely by projected miles - Individual card review pages with detailed earning rate tables, mini simulators, and FAQ schema ### Disclaimer Miles projections are estimates based on published card terms and assume consistent monthly spending. Actual miles earned may vary due to merchant category classification, promotional rate changes, cap resets, and bank-specific terms. Card approval is subject to the issuing bank's credit assessment. SGfi may earn affiliate commissions when users click through to bank product pages. Affiliate relationships do not influence calculation logic or card ranking order. --- ## Tool 2: Cashback Cards Comparison **URL:** https://sgfi.app/cards/cashback ### What It Does A dynamic comparison tool that ranks 16 Singapore cashback credit cards based on the user's monthly spending profile. It recalculates instantly as the user adjusts spending sliders, accurately applying each card's complex minimum spend rules, category-specific cashback rates, and monthly caps to project the net annual cashback. ### Inputs - Monthly spending per category: General, Dining, Groceries, Shopping, online & entertainment, Transport, Petrol (adjustable via sliders or manual input) - Filters: No annual fee, No minimum spend, No monthly cap ### Outputs - Full ranked table of all 16 cards with: base rate, minimum spend, category bonus rates, monthly cap, annual fee, and projected net annual cashback - Top cards are ranked by projected net annual cashback (deducting annual fees where applicable) ### Cards Covered (16 cards) Citi Cash Back+ Card, UOB Absolute Cashback Card, Standard Chartered Simply Cash Credit Card, HSBC Live+ Card, Citi Cash Back Card, OCBC 365 Credit Card, Maybank Family & Friends Card, DBS Live Fresh Card, CIMB Visa Signature Card, UOB One Card, Standard Chartered Smart Credit Card, Citi SMRT Card, HSBC Advance Credit Card, Trust Cashback Credit Card, DBS yuu Visa Card, POSB Everyday Card ### Data Sources - Official bank credit card product pages for cashback rates, caps, conditions, and annual fees - Card data last verified: June 2026 ### Key Differentiators - Spending-based dynamic ranking — calculates real projected cashback rather than simply listing maximum advertised rates - Precision modeling — correctly handles minimum spend hurdles and complex tiered or category-specific monthly caps - Local calculation — all user spending data is processed locally in the browser for privacy ### Disclaimer Cashback projections are estimates based on published card terms and assume consistent monthly spending. Actual cashback earned may vary due to merchant category classification, promotional rate changes, cap resets, and bank-specific terms. Card approval is subject to the issuing bank's credit assessment. --- ## Tool 3: Individual Card Review Pages **URL pattern:** https://sgfi.app/miles/cards/[card-slug] and https://sgfi.app/cards/cashback/[card-slug] ### What They Do Each of the 31 credit cards (15 miles, 16 cashback) has a dedicated review page containing: a detailed earning rate table by spending category, key conditions and caps, an embedded mini simulator pre-configured for that card, comparison notes against similar cards, and structured FAQ schema with common questions about the card. ### Card Pages Available | Card | URL | Key Rate | |------|-----|----------| | UOB PRVI Miles | /miles/cards/uob-prvi-miles | 1.4 mpd local, 2.4 mpd overseas, uncapped | | UOB KrisFlyer | /miles/cards/uob-krisflyer | 2.4 mpd dining, online, transport (uncapped) | | Citi PremierMiles | /miles/cards/citi-premiermiles | 2.2 mpd overseas, non-expiring points | | DBS Altitude | /miles/cards/dbs-altitude | 3 mpd online travel bookings | | HSBC Revolution | /miles/cards/hsbc-revolution | 4 mpd online and contactless, no annual fee | | Citi Rewards | /miles/cards/citi-rewards | 4 mpd online shopping and food delivery | | DBS Woman's World | /miles/cards/dbs-womans-world | 4 mpd all online spend including travel | | AMEX KrisFlyer Ascend | /miles/cards/amex-krisflyer-ascend | 1.2 mpd base, lounge access, Hilton status | | AMEX KrisFlyer | /miles/cards/amex-krisflyer | 1.1 mpd base, direct KrisFlyer crediting | | Maybank Horizon | /miles/cards/maybank-horizon | 2.8 mpd foreign currency and air tickets | | SC Visa Infinite | /miles/cards/sc-visa-infinite | 3 mpd overseas, 1.4 mpd local | | SC Journey | /miles/cards/sc-journey | 3 mpd transport and food delivery | | OCBC 90°N | /miles/cards/ocbc-90n | 1.3 mpd local, non-expiring TravelS$ | | UOB Lady's Card | /miles/cards/uob-ladys | 4 mpd chosen category, open to all genders | | HSBC TravelOne Credit Card | /miles/cards/hsbc-travelone | 1.2 mpd local, 2.4 mpd foreign currency | | Citi Cash Back+ Card | /cards/cashback/citi-cash-back-plus | 1.6% cashback on all spend with no minimum | | UOB Absolute Cashback Card | /cards/cashback/uob-absolute | 1.7% limitless cashback on almost everything | | Standard Chartered Simply Cash | /cards/cashback/sc-simply-cash | 1.5% flat cashback with no caps and no minimum spend | | HSBC Live+ Card | /cards/cashback/hsbc-live-plus | 8% cashback on dining, retail shopping, and entertainment | | Citi Cash Back Card | /cards/cashback/citi-cash-back | 8% on groceries, Grab and petrol, 6% on dining | | OCBC 365 Credit Card | /cards/cashback/ocbc-365 | 6% on dining and 3% on everyday essentials | | Maybank Family & Friends Card | /cards/cashback/maybank-family-friends | Customizable: Choose 5 categories to earn 8% | | DBS Live Fresh Card | /cards/cashback/dbs-live-fresh | 6% cashback on shopping and transport | | CIMB Visa Signature Card | /cards/cashback/cimb-visa-signature | 10% cashback on specific lifestyle categories, no annual fee | | UOB One Card | /cards/cashback/uob-one | Up to 10% on selected partners like Shopee, Grab | | Standard Chartered Smart Credit Card | /cards/cashback/sc-smart | 10% on fast food, public transport, and streaming | | Citi SMRT Card | /cards/cashback/citi-smrt | 5% on groceries, online, transport, and Malaysian Ringgit spend (min S$500/mo) | | HSBC Advance Credit Card | /cards/cashback/hsbc-advance | 2.5% on all spend at S$2,000+/mo (1.5% below that), S$70/mo cap | | Trust Cashback Credit Card | /cards/cashback/trust-cashback | 15% on dining, shopping, entertainment, travel, and transport (min S$2,000/mo), no annual fee | | DBS yuu Visa Card | /cards/cashback/dbs-yuu-visa-cashback | Up to 18% on groceries, foodpanda, and SimplyGo transport (min S$800/mo, 4 merchants) | | POSB Everyday Card | /cards/cashback/posb-everyday | Up to 10% on food delivery, bus/MRT transport, and Malaysian Ringgit spend (min S$800/mo) | ### Data Sources - Official bank product disclosure pages for rates, fees, caps, and conditions - Card data last verified: June 2026 --- ## Tool 4: Miles Calculator **URL:** https://sgfi.app/miles ### What It Does A unified dashboard that helps users in Singapore estimate, project, and plan KrisFlyer miles earning. Three integrated sections share state so inputs flow across the entire experience: 1. **Points Converter** — Converts existing bank reward points (DBS, UOB, Citi, OCBC, HSBC, Standard Chartered, AMEX, Maybank) into KrisFlyer or Asia Miles at published conversion rates. Supports both "I know my miles" direct entry and "I have bank points" conversion modes. 2. **Spending Simulator** — Takes a user's monthly spending breakdown by category and calculates projected miles for the top-3 cards, with live updating. Includes quick presets for common spending profiles. 3. **Destination Map** — An interactive SVG world map showing flight paths from Singapore (SIN) to 48 KrisFlyer Saver Award destinations. Destinations are color-coded by reachability based on the user's projected miles, filtered by cabin class (Economy, Premium Economy, Business, First), trip type (one-way, return), and earning timeline. ### Inputs - Monthly spending per category: General (local), Foreign Currency, Dining, Online Shopping, Travel, Contactless, Groceries, Transport - Or: existing bank reward points balance and bank/program selection - Cabin class preference, trip type, earning timeline (months) ### Outputs - Converted miles from bank points - Top-3 card ranking with projected monthly miles - Interactive map with reachable/unreachable destinations, required miles, and estimated taxes per destination ### Data Sources - Bank reward points conversion rates from published transfer rate tables - KrisFlyer Saver Award Chart for 48 destinations from Singapore - Card data last verified: June 2026 ### Key Differentiators - Unified flow: points conversion, spending simulation, and destination planning share state in a single page - Live updating — changing spend in the simulator instantly updates the destination map reachability - Collapsible sections optimized for mobile ### Disclaimer Miles projections are estimates based on published card terms and conversion rates. Actual miles earned may vary. This tool is for educational purposes only. --- ## Tool 5: KrisFlyer Destination Pages **URL pattern:** https://sgfi.app/miles/destinations/[city-slug] ### What It Does Per-destination static pages that combine objective miles math (KrisFlyer Saver Award requirements by cabin class), estimated taxes in SGD, cash flight price ranges, cents per mile redemption value, hotel area overviews, activity lists, travel tips, and city-specific FAQs. Each page joins the canonical destinations data file (used by the Destination Map at /miles) with an editorial content layer — miles values are never duplicated and always reflect the latest KrisFlyer Saver Award Chart. ### Pages Available | City | URL | One-way Saver Economy | |------|-----|------------------------| | Bangkok | /miles/destinations/bangkok | 13,000 miles | | Kuala Lumpur | /miles/destinations/kuala-lumpur | 8,000 miles | | Jakarta | /miles/destinations/jakarta | 8,000 miles | | Bali | /miles/destinations/bali | 8,000 miles | | Tokyo (HND) | /miles/destinations/tokyo | 25,500 miles | | Osaka | /miles/destinations/osaka | 25,500 miles | | Seoul | /miles/destinations/seoul | 25,500 miles | | Taipei | /miles/destinations/taipei | 15,500 miles | | Hong Kong | /miles/destinations/hong-kong | 15,500 miles | | Phuket | /miles/destinations/phuket | 13,000 miles | | Hanoi | /miles/destinations/hanoi | 13,000 miles | | Ho Chi Minh City | /miles/destinations/ho-chi-minh | 13,000 miles | | Penang | /miles/destinations/penang | 8,000 miles | | Manila | /miles/destinations/manila | 13,000 miles | These 14 city guides are built so far; further destinations from the 48-destination KrisFlyer Saver Award Chart (shown on the map at /miles) will be added in subsequent rounds. ### Page Structure - Hero with H1, subtitle, and quick-facts strip (Saver economy miles, distance, flight time, taxes) - Miles Math table — one row per cabin class (Economy, Premium Economy where available, Business, First) with miles required, taxes, cash range, and cents per mile value - Redemption guidance — Saver vs Advantage tiers, Saver release windows (~355 days before departure), stopover/open-jaw availability, plus per-city callout for when to visit and route-specific value - What to do — 5–8 activity cards by category (attraction / experience / food / transport) - Where to stay — 4 hotel area overviews - Cash flight fallback — round-trip price range with optional booking CTA - Travel tips — 3–5 city-specific bullets - Frequently asked questions — 4–6 entries injected as FAQPage JSON-LD schema - Related destinations — 3–4 sibling pages ### Data Sources - KrisFlyer Saver Award Chart for miles requirements (one-way from SIN), one source of truth shared with the Destination Map - Editorial content (intros, activities, hotel areas, FAQs) maintained per city in destinations-content.ts - Cash flight price ranges updated periodically as an editorial baseline; actual fares vary with season and booking date - Last verified: April 2026 ### Key Differentiators - Single source of truth for miles — page numbers always match the calculator - Cents per mile computed transparently: (round-trip cash midpoint × 100) ÷ round-trip miles - BreadcrumbList + TouristDestination + FAQPage JSON-LD on every page - Affiliate CTAs (Klook, Agoda, Trip.com) route through /go/travel/[provider] with `affiliate_click` analytics, are visibly labeled `[Affiliate]`, and resolve to placeholder URLs until partnership approvals land ### Disclaimer Miles and tax figures are KrisFlyer Saver Award Chart estimates as of the verification date listed near each math table. Award seat availability is not guaranteed and may shift between booking systems. Cash flight ranges are an editorial baseline and shift with season and booking lead time. --- ## Tool 6: CPF Projection Calculator **URL:** https://sgfi.app/cpf-projection ### What It Does Projects a user's Central Provident Fund (CPF) balances across all three accounts (Ordinary Account, Special Account, MediSave Account) from the current age through to age 65. It calculates monthly CPF contributions split between employer and employee, applies age-bracket allocation ratios, compounds interest at prevailing CPF rates (OA: 2.5%, SA: 4.0%, MA: 4.0%, RA: 4.0%), and estimates CPF LIFE monthly payouts under the Standard Plan at age 65. ### Inputs - Monthly gross salary (Ordinary Wages) - Age - Residency status: Singapore Citizen, PR 1st year, PR 2nd year, PR 3rd year+ - Optional: annual bonus (Additional Wages), expected salary growth rate ### Outputs - Monthly breakdown: gross salary, employee CPF deduction, employer CPF contribution, take-home pay - Per-account allocation: OA, SA, MA (or RA after age 55) - Projected balances at age 55 and age 65 with compound interest - Estimated CPF LIFE monthly payout range (Basic, Standard, Escalating plans) - Scenario comparison across different salary levels or contribution assumptions ### Data Sources - CPF Board official contribution rate tables effective 1 January 2026 - Age-bracket allocation ratios from CPF Board - Ordinary Wage ceiling: S$8,000/month; Annual Salary Ceiling: S$102,000; CPF Annual Limit: S$37,740 - Graduated contribution rates for wages between S$50–S$750 - Retirement sums for 2026: BRS S$110,200, FRS S$220,400, ERS S$440,800 ### Key Differentiators - Full lifecycle projection from current age to 65, not just a single-month calculator - Handles all four residency statuses with correct graduated rates for PRs - Proper rounding rules: Math.round for total contribution, Math.floor for employee share - SA-to-RA conversion at age 55 is modeled correctly - CPF LIFE payout estimation based on projected Retirement Account balance ### Disclaimer CPF projections are estimates based on current publicly available rates and assume no policy changes. Actual balances depend on individual circumstances, salary changes, withdrawals, and CPF Board policy updates. This tool does not account for CPF Investment Scheme returns or Housing withdrawals. Subject to meeting CPF retirement sum requirements. Consult CPF Board or a licensed adviser for personal guidance. --- ## Tool 7: Savings Account Optimizer (In Development) **URL:** https://sgfi.app/savings ### What It Will Do Compares high-interest savings accounts in Singapore based on a user's salary crediting, card spending, bill payments, insurance, and investment activity to determine which account yields the highest effective interest rate on their deposit balance. Will cover DBS Multiplier, OCBC 360, UOB One, Standard Chartered Bonus$aver, and others. ### Status Currently in development. --- ## Tool 8: Stamp Duty Calculator **URL:** https://sgfi.app/property/stamp-duty-calculator ### What It Does Calculates Singapore property stamp duty entirely in the browser. The Buyer tab computes Buyer's Stamp Duty (BSD) and Additional Buyer's Stamp Duty (ABSD) and a total upfront duty; the Seller tab computes Seller's Stamp Duty (SSD). All duty is charged on the dutiable value — the higher of purchase price or market valuation — and rounded down to the nearest dollar (IRAS convention). ### Inputs - Buyer tab: purchase price, optional market valuation, property type (residential / non-residential), buyer profile (Citizen / PR / Foreigner / Entity), and number of residential properties owned (1st / 2nd / 3rd or more). - Seller tab: sale price, optional valuation, the date the property was bought, and the date it is sold. ### Outputs - BSD computed on marginal tiers with an expandable tier-by-tier breakdown. - ABSD as a flat percentage by buyer profile and property count (residential only). - Total upfront duty (BSD + ABSD). - SSD by holding period, with the regime selected automatically from the purchase date. ### Rates (2026, IRAS) - BSD residential: 1% first S$180,000; 2% next S$180,000; 3% next S$640,000; 4% next S$500,000; 5% next S$1.5M; 6% above S$3M. Non-residential tops out at 5% above S$1.5M. - ABSD: Citizen 0% / 20% / 30%; PR 5% / 30% / 35%; Foreigner 60%; Entity 65%. - SSD: purchases on/after 4 Jul 2025 use a 4-year holding period (16% / 12% / 8% / 4% / 0%); purchases 11 Mar 2017 – 3 Jul 2025 use a 3-year period (12% / 8% / 4% / 0%). ### Data Sources IRAS Buyer's Stamp Duty, Additional Buyer's Stamp Duty, and Seller's Stamp Duty pages. Rates are kept in a single typed constants file so the calculator and the on-page rate tables never drift. ### Key Differentiators - Marginal-tier BSD with a transparent, slice-by-slice breakdown. - Dutiable value uses the higher of price or valuation, matching IRAS. - SSD regime is chosen automatically from the purchase date. - All calculations run locally; no inputs are sent to a server. ### Disclaimer For informational purposes only; not financial, legal, or tax advice. Verify with IRAS before acting. --- ## Tool 9: Singapore Rates Reference **URL:** https://sgfi.app/rates ### What It Does A single canonical, sourced reference of every Singapore rate and figure the SGfi calculators rely on, grouped by category, designed to be extracted and quoted directly. Each figure is a self-contained row stating its value, the date it was verified, and a link to the official source. The page emits FAQPage and Dataset (schema.org) JSON-LD enumerating the figures with their source URLs and date modified. ### Categories (each with a stable anchor id) - **/rates#cpf** — CPF contribution rates by age band (Citizen/PR), Ordinary Wage ceiling (S$8,000/month), Annual Salary Ceiling (S$102,000), CPF Annual Limit (S$37,740), account interest rates (OA 2.5% p.a.; SA/MA/RA 4.0% p.a.) and extra interest, retirement sums (BRS S$110,200, FRS S$220,400, ERS S$440,800), Basic Healthcare Sum (S$79,000), and CPF LIFE basics (payouts start age 65–70). - **/rates#tax** — Resident individual income tax marginal brackets for YA2026 (0% up to S$20,000, rising to a top marginal 24% above S$1,000,000) and GST (9%, effective 1 January 2024). - **/rates#savings-fd** — Verified savings-account base and bonus interest rates and caps, 3-month compounded SORA (changes daily; verify live at MAS), and fixed-deposit guidance. - **/rates#cards-miles** — Credit-card earn rates (miles-per-dollar and cashback %), annual fees, foreign-currency/markup fees, and minimum income, for all tracked miles and cashback cards (listed in data-file order, not ranked). - **/rates#housing** — HDB concessionary loan rate (2.6% p.a., pegged 0.1% above the CPF OA rate), Buyer's Stamp Duty residential tiers, and Additional Buyer's Stamp Duty first tiers. ### Data Sources - CPF, card, and savings figures are read directly from the SGfi calculator data layer so the reference never drifts from the tools. - New figures (income tax, GST, SORA, HDB loan, stamp duties) are sourced from official publications: IRAS, CPF Board, HDB, and MAS, each stored with its official source URL and verified date. - SORA changes daily and is date-stamped with a live-check note. ### Key Differentiators - Self-contained, quotable rows — each rate makes sense quoted alone (metric, value, "as of" date, source link). - Stable per-category and per-figure anchor ids for deep-linking. - FAQPage + Dataset JSON-LD for machine extraction. ### Disclaimer For reference only. Rates change; verify against the official source before acting. This is a factual reference, not a ranking or guidance on a course of action. --- ## Tool 9: Property & HDB Calculators (Hub) **URL:** https://sgfi.app/property ### What It Does A step-by-step hub orienting first-time HDB buyers through the numbers — eligibility, affordability, CPF housing grants, stamp duty, loan, and CPF impact — linking each step to the relevant SGfi calculator. For 2026 rules. ### Linked Steps 1. Eligibility → /property/bto-income-ceiling 2. Affordability → /property/hdb-affordability-calculator 3. Grants → /property/cpf-housing-grant-calculator 4. Stamp duty → /property/stamp-duty-calculator 5. Loan → /hdb-loan-calculator 6. CPF impact → /cpf-projection --- ## Tool 10: BTO Income Ceiling & HDB Eligibility Checker **URL:** https://sgfi.app/property/bto-income-ceiling ### What It Does Checks whether a household's average gross monthly income is within the 2026 income ceiling for the chosen flat type, and summarises the other eligibility rules in plain language. ### Inputs - Household type (couple/family, single, with parents), citizenship (SC / PR / SC+PR), gross monthly household income, flat type (BTO family, 2-room Flexi single, EC, resale) ### Outputs - Within-ceiling verdict for the chosen flat type; a table of all ceilings at the entered income; a plain eligibility summary (citizenship, age 21/35, property-ownership rules) ### Key Figures (2026, founder-verified against HDB) - BTO family income ceiling: S$14,000 · 2-room Flexi (single, SSC scheme): S$7,000 · Executive Condominium: S$16,000 · Resale flat: no purchase income ceiling ### Disclaimer Income ceilings are deterministic; full eligibility depends on individual circumstances. Informational only, not financial advice. Verify with HDB. --- ## Tool 11: HDB Affordability Calculator **URL:** https://sgfi.app/property/hdb-affordability-calculator ### What It Does Estimates the HDB or EC flat price a buyer can afford from income — maximum loan under MSR and TDSR sized at the 4% stress rate, the loan-to-value downpayment split between cash and CPF, the upfront cash needed, and the monthly repayment. ### Inputs - Gross monthly household income, age, existing monthly debts, cash savings, CPF Ordinary Account savings, loan type (HDB / bank), and (for a bank loan) an editable rate ### Outputs - Maximum loan and maximum flat price (binding constraint shown), monthly repayment at the actual rate, downpayment split (cash vs CPF), and an upfront cash checklist linking out to Buyer's Stamp Duty and CPF housing grant estimates ### Key Figures (2026) - MSR 30% of gross income (HDB/EC) · TDSR 55% (all property loans) · stress-test rate floor 4.0% p.a. · HDB concessionary loan rate 2.6% p.a. · loan-to-value 75% (first loan) · downpayment 25% (HDB: no minimum cash; bank: minimum 5% cash + 20% cash/CPF) ### Disclaimer Estimates for first-loan, 75% LTV. Lower LTV may apply for long tenures, loans past age 65, or second loans. Informational only, not financial advice. --- ## Tool 12: CPF Housing Grant Calculator **URL:** https://sgfi.app/property/cpf-housing-grant-calculator ### What It Does Estimates first-timer CPF housing grants for a BTO or resale flat: the Enhanced CPF Housing Grant (EHG), the resale CPF Housing/Family Grant, and the Proximity Housing Grant (PHG), with the EHG income-ceiling check. ### Inputs - First-timer status, household (family / single), gross monthly household income, flat (BTO or resale), resale flat size (≤4-room / 5-room+), and proximity to family (none / within 4km / living with) ### Outputs - EHG estimate from the income-band table, resale Family Grant and PHG where applicable, and a combined total ### Key Figures (2026, transcribed from HDB's published EHG tables) - EHG up to S$120,000 (families, ceiling S$9,000, in S$500 income bands) / S$60,000 (singles, ceiling S$4,500, in S$250 bands); requires 12 months continuous employment - Resale CPF Housing/Family Grant: S$80,000 (≤4-room) / S$50,000 (5-room+) for families; half for singles - Proximity Housing Grant (no income ceiling): families S$30,000 (living with) / S$20,000 (within 4km); singles S$15,000 / S$10,000 - Resale grants can total up to ~S$230,000 (families) / ~S$115,000 (singles) ### Disclaimer Grant amounts and bands are flagged for verification against HDB's published tables. Informational only, not financial advice. --- ## Category Hubs The tools above are organised into category hub (landing) pages, mirroring the site navigation. Each hub lists its tools; some tools are in development. ### [Miles Tools](https://sgfi.app/miles-tools) KrisFlyer miles tools: the Miles Calculator with its interactive destination map (/miles), the per-destination KrisFlyer Saver guides (/miles/destinations/), and the Miles Value Index research report (/research/miles-index-2026). ### [Property & HDB Calculators](https://sgfi.app/property) Singapore property tools: BTO income ceiling & HDB eligibility (/property/bto-income-ceiling), HDB affordability (/property/hdb-affordability-calculator), CPF housing grants (/property/cpf-housing-grant-calculator), and stamp duty (/property/stamp-duty-calculator). Includes a first-home buying guide. ### [CPF & Retirement Calculators](https://sgfi.app/cpf) CPF and retirement tools: the CPF Projection Calculator (/cpf-projection). Further CPF and retirement tools are in development. ### [Savings & Rates Tools](https://sgfi.app/savings-tools) Savings and deposit-rate tools: the Savings Account Optimizer (/savings). Fixed deposit, T-bill and Singapore Savings Bond tools are in development. ### [Salary, Income & Tax Tools](https://sgfi.app/salary-tax) Salary, income and tax tools: the Income Tax Relief Calculator (/salary-tax/tax-relief-calculator) and income percentile by age (/research/singapore-salary-income-percentile-by-age). A bonus/AWS take-home tool is in development. ### [Income Tax Relief Calculator](https://sgfi.app/salary-tax/tax-relief-calculator) **URL:** https://sgfi.app/salary-tax/tax-relief-calculator Computes chargeable income and tax payable for **YA2027** (income earned in calendar 2026, filed in the 2027 tax season), the personal reliefs that apply, and the marginal value of a further SRS contribution or CPF cash top-up. **Year of Assessment.** YA2027, stated on-page and in the engine. SRS contributions and CPF cash top-ups only count toward a YA if they reach the account by 31 December of the income year, so YA2027 is the year a contribution made today still changes. IRAS publishes the resident rate table under the open-ended heading "From YA 2024 onwards", and Budget 2026 made no change to personal income tax rates, reliefs or SRS. **Key figures (all verified against IRAS / MOF / CPF Board on 2026-07-16):** - Personal income tax relief cap: **S$80,000** total across all personal reliefs per YA (in force since YA2018). Relief above the cap is disregarded and cannot be carried forward or transferred. - SRS annual contribution cap: **S$15,300** (Singapore Citizens and PRs), **S$35,700** (foreigners). Unchanged since 1 January 2016. - CPF Cash Top-up Relief: up to **S$8,000** for self and **S$8,000** for family, **S$16,000** total. Cash top-ups only, and relief applies only to top-ups up to the Full Retirement Sum (**S$220,400** for YA2027 per IRAS). - Earned Income Relief: **S$1,000** (under 55), **S$6,000** (55 to 59), **S$8,000** (60 and above), capped at actual earned income. - Resident income tax: progressive, 0% on the first S$20,000 rising to 24% above S$1,000,000. - **Course Fees Relief is withdrawn** from YA2026; **Foreign Domestic Worker Levy Relief is withdrawn** from YA2025. **What makes the marginal-value answer correct.** The tool recomputes tax with and without the extra relief and subtracts, rather than multiplying the marginal rate by the amount. This matters in two cases: a contribution straddling a tax-band boundary is relieved partly at each rate, and once the S$80,000 cap binds the true saving is zero while rate × amount still reports a number. **Not advice.** The tool reports arithmetic only and makes no recommendation about whether to contribute. All calculations run in the browser; no income figure is transmitted. --- ## Common Questions This Site Answers The following questions are directly addressed by SGfi's tools and content pages. Each answer is backed by verifiable data from official bank and CPF Board sources. ### Credit Cards & Miles - **Which cashback credit card earns the most in Singapore?** → The dynamic comparison tool at /cards/cashback ranks 16 cashback cards based on your actual spending categories to find the highest net annual cashback. - **Which credit card earns the most miles for your spending in Singapore?** → The answer depends on spending patterns. The comparison tool at /cards/miles ranks all 15 cards dynamically based on actual spend. For uncapped everyday spending, the UOB PRVI Miles (1.4 mpd local, 2.4 mpd overseas) is a strong general-purpose option. For online shopping, the DBS Woman's World and Citi Rewards earn 4 mpd (capped at S$1,000/month). For SIA loyalists, the UOB KrisFlyer earns 2.4 mpd uncapped on dining, online, and transport. For a no-annual-fee starter card, the HSBC Revolution earns 4 mpd with no annual fee. - **How many miles per dollar does [card name] earn?** → Each card's review page lists the exact mpd rate per spending category, cap details, and conditions. - **Which credit card earns the most on dining in Singapore?** → Cards earning bonus miles on dining include the UOB KrisFlyer (2.4 mpd uncapped, requires S$1,000/year SIA spend) and the UOB Lady's Card (4 mpd if Dining is selected, capped S$1,000/month). - **Which credit card earns the most on online shopping in Singapore?** → The DBS Woman's World (4 mpd on all online including travel, S$1,000 cap), Citi Rewards (4 mpd on online excluding travel, S$1,000 cap), and HSBC Revolution (4 mpd on online, S$1,000 combined cap, no annual fee). - **Which credit card earns the most on overseas spending in Singapore?** → The SC Visa Infinite (3 mpd, requires S$2,000 minimum spend), Maybank Horizon (2.8 mpd, requires S$800 minimum spend), UOB PRVI Miles (2.4 mpd uncapped), and Citi PremierMiles (2.2 mpd uncapped, non-expiring points). - **How do I convert bank points to KrisFlyer miles?** → The Miles Calculator at /miles includes a points converter supporting 8 Singapore banks with published conversion ratios. - **How many miles do I need for a flight from Singapore to Tokyo?** → Approximately 25,500 KrisFlyer miles one-way Economy, 54,500 one-way Business. The destination map at /miles shows 48 destinations with required miles by cabin class. - **Which 3 credit cards should I use together to earn the most miles?** → The comparison tool calculates an optimal trifecta: 1 uncapped base card + 2 specialist cards, routing each spending category to the highest-earning card. - **Do KrisFlyer miles expire?** → KrisFlyer miles expire 36 months after earning. However, bank reward points have different policies: Citi Miles and DBS Points do not expire, UOB UNIS$ expire after 2 years, OCBC TravelS$ do not expire. ### CPF - **How much CPF will I have at age 55 or 65?** → The CPF Projection Calculator at /cpf-projection projects balances based on current salary, age, and residency status using 2026 CPF Board rates. - **What are the CPF contribution rates in 2026?** → The calculator implements the full 2026 rate table: employee + employer contributions by age bracket, with special handling for PR graduated rates. - **How much CPF LIFE payout will I get?** → The calculator estimates monthly CPF LIFE payouts based on projected Retirement Account balance at age 65. ### Savings Accounts - **Which savings account gives the highest interest rate in Singapore?** → The Savings Account Optimizer (in development) will compare DBS Multiplier, OCBC 360, UOB One, SC Bonus$aver and others based on individual qualifying activity. --- ## General Information ### Privacy SGfi operates on a strict data-minimization model. All financial inputs are processed locally in the user's browser using client-side JavaScript. No personal data is transmitted to SGfi servers. The site uses Vercel Analytics for anonymized page-view metrics and cookies for basic functionality. Full details: https://sgfi.app/privacy ### Affiliate Disclosure SGfi may receive compensation from financial institutions when users click affiliate links and subsequently apply for products. Affiliate compensation does not influence calculation logic, ranking algorithms, or tool outputs. Where applicable, affiliate links are labeled. ### Technology Built on Next.js 14 (App Router) with TypeScript. All calculation engines are pure functions with zero external dependencies. The CPF engine implements official CPF Board rate tables. The miles engine models per-category bonus rates, caps, and overflow routing. ### Contact Email: support@sgfi.app Website: https://sgfi.app Privacy Policy: https://sgfi.app/privacy Terms of Service: https://sgfi.app/terms