# 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 data is collected or stored. 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 14 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 11 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)

## 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

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

## Questions This Site Answers
- What is the best miles credit card in Singapore?
- How many miles per dollar does [card name] earn?
- How much CPF will I have at age 55 or 65?
- What is the best credit card for 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?

## Optional
- [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: April 2026