# SGfi — Free Singapore Finance Calculators: CPF, Miles & Cashback

> SGfi (sgfi.app) provides free, browser-based financial calculators and comparison tools built for Singapore. All calculations run locally in the user's browser — no personal financial data is collected, transmitted, or stored on SGfi servers. SGfi is not licensed by the Monetary Authority of Singapore (MAS) and does not provide financial advice. All content is for educational and informational purposes only.

## Tools

### [Credit Card Miles Comparison](https://sgfi.app/cards/miles)
Side-by-side ranking of 15 Singapore credit cards by projected annual KrisFlyer miles based on your actual spending profile, with per-category bonus rates, caps, annual fees, and an optimal 3-card portfolio recommendation. Includes individual review pages for each card.

### [Cashback Cards Comparison](https://sgfi.app/cards/cashback)
Side-by-side ranking of 16 Singapore cashback credit cards by projected net annual cashback based on your actual spending profile. Models complex category bonuses, minimum spend hurdles, and monthly caps.

### [Miles Calculator](https://sgfi.app/miles)
Convert bank reward points to KrisFlyer or Asia Miles, estimate miles from monthly spending with live top-3 card ranking, and explore an interactive destination map showing where you can fly based on your projected miles.

### [KrisFlyer Destination Pages](https://sgfi.app/miles/destinations/bangkok)
Per-destination pages combining KrisFlyer Saver miles requirements (Economy / Premium Economy / Business / First), estimated taxes in SGD, cash flight price ranges, cents per mile redemption value, hotel area overviews, activity lists, and city-specific FAQs. URL pattern: /miles/destinations/[city-slug].

### [CPF Projection Calculator](https://sgfi.app/cpf-projection)
Project CPF balances across Ordinary, Special, and MediSave accounts from now until age 65, estimate CPF LIFE monthly payouts, and compare scenarios by salary or contribution rate changes. Uses official CPF Board 2026 contribution rates.

### [Savings Account Optimizer](https://sgfi.app/savings)
Compare high-interest savings accounts in Singapore based on spending patterns and salary crediting to find which account yields the highest effective interest rate. (In development)

### [Stamp Duty Calculator](https://sgfi.app/property/stamp-duty-calculator)
Calculate Buyer's Stamp Duty (BSD) and Additional Buyer's Stamp Duty (ABSD) on a Singapore property by buyer profile (Citizen/PR/Foreigner/Entity) and number of properties owned, plus Seller's Stamp Duty (SSD) by holding period and purchase date. Shows total upfront duty with a tier-by-tier BSD breakdown on the higher of price or valuation. Uses IRAS 2026 rates; all calculations run in the browser.

### [Property & HDB Calculators (hub)](https://sgfi.app/property)
Category hub for Singapore property and HDB tools — eligibility, affordability, home loan repayment, CPF housing grants and stamp duty — with a first-home buying guide. Links each step to the relevant calculator. For 2026 rules.

### [HDB Loan Calculator](https://sgfi.app/property/hdb-loan-calculator)
Work out the monthly instalment, total interest and total cost of a Singapore home loan from the loan amount (or the property price via the 75% loan-to-value limit), the tenure and the rate, with a year-by-year and month-by-month amortisation breakdown. Compares the same loan at the HDB concessionary rate (2.6% p.a., pegged at CPF-OA + 0.1%) against a bank rate you enter, and recomputes the bank instalment at +1%, +2% and the 4% MAS medium-term stress rate. Flags the S$21,000 HDB loan income ceiling and the MSR/TDSR servicing caps. All calculations run in the browser.

### [BTO Income Ceiling & HDB Eligibility Checker](https://sgfi.app/property/bto-income-ceiling)
Check whether your household income is within the 2026 income ceiling for a BTO family flat (S$14,000), a 2-room Flexi for singles (S$7,000) or an Executive Condominium (S$16,000), with a plain summary of citizenship, age and property-ownership eligibility.

### [HDB Affordability Calculator](https://sgfi.app/property/hdb-affordability-calculator)
Estimate the HDB or EC flat price you can afford from your income: maximum loan under MSR (30%) and TDSR (55%) sized at the 4% stress rate, the 75% loan-to-value downpayment split between cash and CPF, the upfront cash needed, and the monthly repayment at the 2.6% HDB or a bank rate.

### [CPF Housing Grant Calculator](https://sgfi.app/property/cpf-housing-grant-calculator)
Estimate first-timer CPF housing grants for a BTO or resale flat: the Enhanced CPF Housing Grant (EHG, up to S$120,000 families / S$60,000 singles, by income band), the resale CPF Housing/Family Grant, and the Proximity Housing Grant. Includes the full transcribed EHG income-band tables.

### [Miles Tools (hub)](https://sgfi.app/miles-tools)
Category hub for the KrisFlyer miles tools — the Miles Calculator and its destination map, the per-destination award guides, and the Miles Value Index research.

### [CPF & Retirement Calculators (hub)](https://sgfi.app/cpf)
Category hub for CPF and retirement tools, leading to the CPF Projection Calculator. Further CPF and retirement tools are in development.

### [Savings & Rates Tools (hub)](https://sgfi.app/savings-tools)
Category hub for savings and deposit-rate tools — the Savings Account Optimizer now, with fixed deposit, T-bill and Singapore Savings Bond tools in development.

### [Income Tax Relief Calculator](https://sgfi.app/salary-tax/tax-relief-calculator)
Work out chargeable income and tax payable for YA2027 (income earned in 2026), the personal reliefs that apply (Earned Income Relief, CPF Relief, SRS, CPF cash top-up, NSman, child, parent and spouse reliefs), and what one further dollar into SRS or a CPF cash top-up saves at the taxpayer's marginal rate. Shows where the S$80,000 personal income tax relief cap binds, past which further relief reduces tax by nothing. Uses IRAS YA2024-onwards resident rates; all calculations run in the browser.

### [Salary, Income & Tax Tools (hub)](https://sgfi.app/salary-tax)
Category hub for 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), with a bonus/AWS take-home tool in development.

### [Singapore Rates Reference](https://sgfi.app/rates)
Canonical, sourced reference of every Singapore rate the calculators rely on — CPF contribution and interest rates, retirement sums (BRS/FRS/ERS), Ordinary Wage ceiling and CPF Annual Limit, resident income tax brackets (YA2026), GST (9%), credit-card earn rates, annual fees, FX fees and minimum income, savings-account rates, 3-month compounded SORA, the HDB concessionary loan rate, and BSD/ABSD tiers. Each figure is stated as a self-contained row with its value, the date it was verified, and a link to the official source (CPF Board, IRAS, HDB, MAS). Each category has a stable anchor: /rates#cpf, /rates#tax, /rates#savings-fd, /rates#cards-miles, /rates#housing.

## KrisFlyer Destinations Available
Per-destination pages with miles math, redemption guidance, things to do, hotel areas, travel tips, and FAQs:
- [Bangkok (BKK)](https://sgfi.app/miles/destinations/bangkok) — 13,000 miles one-way Economy Saver
- [Kuala Lumpur (KUL)](https://sgfi.app/miles/destinations/kuala-lumpur) — 8,000 miles one-way Economy Saver
- [Jakarta (CGK)](https://sgfi.app/miles/destinations/jakarta) — 8,000 miles one-way Economy Saver
- [Bali (DPS)](https://sgfi.app/miles/destinations/bali) — 8,000 miles one-way Economy Saver
- [Tokyo (HND)](https://sgfi.app/miles/destinations/tokyo) — 25,500 miles one-way Economy Saver, 54,500 Business

## Individual Card Reviews
Each card has a dedicated review page with earning rate tables, FAQ, and a personalized simulator pre-configured for that card.

Miles cards:
- [UOB PRVI Miles](https://sgfi.app/miles/cards/uob-prvi-miles) — 1.4 mpd local, 2.4 mpd overseas, uncapped
- [UOB KrisFlyer](https://sgfi.app/miles/cards/uob-krisflyer) — 2.4 mpd dining, online, transport (uncapped)
- [Citi PremierMiles](https://sgfi.app/miles/cards/citi-premiermiles) — 2.2 mpd overseas, non-expiring points
- [DBS Altitude](https://sgfi.app/miles/cards/dbs-altitude) — 3 mpd on online travel bookings
- [HSBC Revolution](https://sgfi.app/miles/cards/hsbc-revolution) — 4 mpd online and contactless, no annual fee
- [Citi Rewards](https://sgfi.app/miles/cards/citi-rewards) — 4 mpd online shopping and food delivery
- [DBS Woman's World](https://sgfi.app/miles/cards/dbs-womans-world) — 4 mpd all online spend including travel
- [AMEX KrisFlyer Ascend](https://sgfi.app/miles/cards/amex-krisflyer-ascend) — 1.2 mpd base, lounge access, Hilton status
- [AMEX KrisFlyer](https://sgfi.app/miles/cards/amex-krisflyer) — 1.1 mpd base, direct KrisFlyer crediting
- [Maybank Horizon](https://sgfi.app/miles/cards/maybank-horizon) — 2.8 mpd foreign currency and air tickets
- [SC Visa Infinite](https://sgfi.app/miles/cards/sc-visa-infinite) — 3 mpd overseas, 1.4 mpd local
- [SC Journey](https://sgfi.app/miles/cards/sc-journey) — 3 mpd transport and food delivery
- [OCBC 90°N](https://sgfi.app/miles/cards/ocbc-90n) — 1.3 mpd local, non-expiring TravelS$
- [UOB Lady's Card](https://sgfi.app/miles/cards/uob-ladys) — 4 mpd on 1 chosen category, open to all genders
- [HSBC TravelOne](https://sgfi.app/miles/cards/hsbc-travelone) — 1.2 mpd local, 2.4 mpd foreign currency

Cashback cards:
- [Citi Cash Back+ Card](https://sgfi.app/cards/cashback/citi-cash-back-plus) — 1.6% cashback on all spend with no minimum
- [UOB Absolute Cashback Card](https://sgfi.app/cards/cashback/uob-absolute) — 1.7% limitless cashback on almost everything
- [Standard Chartered Simply Cash](https://sgfi.app/cards/cashback/sc-simply-cash) — 1.5% flat cashback with no caps and no minimum spend
- [HSBC Live+ Card](https://sgfi.app/cards/cashback/hsbc-live-plus) — 8% cashback on dining, retail shopping, and entertainment
- [Citi Cash Back Card](https://sgfi.app/cards/cashback/citi-cash-back) — 8% on groceries, Grab and petrol, 6% on dining
- [OCBC 365 Credit Card](https://sgfi.app/cards/cashback/ocbc-365) — 6% on dining and 3% on everyday essentials
- [Maybank Family & Friends Card](https://sgfi.app/cards/cashback/maybank-family-friends) — Customizable: choose 5 categories to earn 8%
- [DBS Live Fresh Card](https://sgfi.app/cards/cashback/dbs-live-fresh) — 6% cashback on shopping and transport
- [CIMB Visa Signature Card](https://sgfi.app/cards/cashback/cimb-visa-signature) — 10% cashback on specific lifestyle categories, no annual fee
- [UOB One Card](https://sgfi.app/cards/cashback/uob-one) — Up to 10% on selected partners like Shopee, Grab, and UOB Travel
- [Standard Chartered Smart Credit Card](https://sgfi.app/cards/cashback/sc-smart) — 10% on fast food, public transport, and streaming
- [Citi SMRT Card](https://sgfi.app/cards/cashback/citi-smrt) — 5% on groceries, online, transport, and Malaysian Ringgit spend (min S$500/month)
- [HSBC Advance Credit Card](https://sgfi.app/cards/cashback/hsbc-advance) — 2.5% on all spend at S$2,000+/month (1.5% below that), S$70/month cap
- [Trust Cashback Credit Card](https://sgfi.app/cards/cashback/trust-cashback) — 15% on dining, shopping, entertainment, travel, and transport (min S$2,000/month), no annual fee
- [DBS yuu Visa Card](https://sgfi.app/cards/cashback/dbs-yuu-visa-cashback) — up to 18% on groceries, foodpanda, and SimplyGo transport (min S$800/month, 4 merchants)
- [POSB Everyday Card](https://sgfi.app/cards/cashback/posb-everyday) — up to 10% on food delivery, bus/MRT transport, and Malaysian Ringgit spend (min S$800/month)

## Questions This Site Answers
- Which credit card earns the most miles for your spending in Singapore?
- How many miles per dollar does [card name] earn?
- How much CPF will I have at age 55 or 65?
- Which credit card earns the most on dining / online shopping / overseas spending in Singapore?
- How do I convert bank points to KrisFlyer miles?
- How many miles do I need for a flight from Singapore to Tokyo / Bangkok / London?
- Which 3 credit cards should I use together to maximise miles in Singapore?
- What are the CPF contribution rates in Singapore in 2026?
- Which savings account gives the highest interest rate in Singapore?
- What is the BTO income ceiling in Singapore in 2026?
- How much HDB flat can I afford on my income?
- How much CPF housing grant (EHG) can I get for a BTO or resale flat?

## Optional
- [Singapore Rates Reference — sourced, date-stamped figures](https://sgfi.app/rates)
- [For AI assistants — citable summary](https://sgfi.app/for-ai)
- [Methodology — data sources & verification](https://sgfi.app/methodology)
- [Privacy Policy](https://sgfi.app/privacy)
- [Terms of Service](https://sgfi.app/terms)
- Data sources: CPF Board official contribution schedules, bank-published credit card terms, KrisFlyer Saver Award Chart
- Methodology: All ranking is dynamic and spending-based — no sponsored placements in calculation results
- Card data last verified: June 2026