# 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 14 Singapore credit cards side by side based on the user's actual monthly spending profile. Unlike generic "best card" lists, 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 14 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 (14 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 ### 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: April 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 11 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 11 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 (11 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 ### Data Sources - Official bank credit card product pages for cashback rates, caps, conditions, and annual fees - Card data last verified: April 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 25 credit cards (14 miles, 11 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 | | 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 | ### Data Sources - Official bank product disclosure pages for rates, fees, caps, and conditions - Card data last verified: April 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 30 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 30 destinations from Singapore - Card data last verified: April 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 | Additional destinations from the 30-city KrisFlyer chart 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 best time 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. --- ## 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 - **What is the best cashback credit card in Singapore?** → The dynamic comparison tool at /cards/cashback ranks 11 cashback cards based on your actual spending categories to find the highest net annual cashback. - **What is the best miles credit card in Singapore?** → The answer depends on spending patterns. The comparison tool at /cards/miles ranks all 14 cards dynamically based on actual spend. For uncapped everyday spending, the UOB PRVI Miles (1.4 mpd local, 2.4 mpd overseas) is the strongest general-purpose card. 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 free 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. - **What is the best credit card for 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). - **What is the best credit card for 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). - **What is the best credit card for overseas spending in Singapore?** → The SC Visa Infinite (3 mpd, requires S$2,000 minimum spend), Maybank Horizon (2.8 mpd, requires S$800 minimum spend), UOB PRVI Miles (2.4 mpd uncapped), and Citi PremierMiles (2.2 mpd uncapped, non-expiring points). - **How do I convert bank points to KrisFlyer miles?** → The Miles Calculator at /miles includes a points converter supporting 8 Singapore banks with published conversion ratios. - **How many miles do I need for a flight from Singapore to Tokyo?** → Approximately 25,000 KrisFlyer miles one-way Economy, 62,000 one-way Business. The destination map at /miles shows 30 destinations with required miles by cabin class. - **Which 3 credit cards should I use together to earn the most miles?** → The comparison tool calculates an optimal trifecta: 1 uncapped base card + 2 specialist cards, routing each spending category to the highest-earning card. - **Do KrisFlyer miles expire?** → KrisFlyer miles expire 36 months after earning. However, bank reward points have different policies: Citi Miles and DBS Points do not expire, UOB UNIS$ 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