Free Tools

Financial Calculators

Interactive tools to help you budget, invest, and plan for retirement. Everything runs in your browser — your data stays private.

Budget Calculator

Input your monthly income and expense categories to get a clear visual breakdown of where your money goes. See spending patterns at a glance with interactive charts.

  • Income vs. expenses
  • Category breakdown
  • Pie & bar charts
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Compound Interest Calculator

Visualize how your investments grow over time. Adjust your principal, monthly contribution, interest rate, and time horizon to see the power of compounding.

  • Growth over time chart
  • Contribution vs. interest split
  • Adjustable parameters
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Retirement Planner

Estimate how much you need to save based on your age, goals, and expected returns. See your projected savings trajectory and whether you're on track.

  • Savings projection chart
  • Retirement goal tracking
  • Age-based planning
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Mortgage Calculator

Calculate your monthly repayment, total interest, and TDSR ratio for any property. Includes HDB and private property presets tailored for Singapore home buyers.

  • Monthly repayment
  • TDSR ratio check
  • Full amortisation schedule
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ILP Regular Cash Calculator

Project your Manulife InvestReady III Regular Cash (RC) distributions over time. Set your annual premium, expected return, and RC goal to see exactly when passive income targets are met.

  • RC goal tracker
  • Account value projection
  • Year-by-year breakdown
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Shield Plan Premium Projector

See how your Singlife Shield + Health Plus premium climbs with age, and the monthly passive income or lump sum you need to fund it at any future age. Built on the official April 2026 rate cards.

  • Premium curve to age 100
  • SWR + dividend yield funding
  • Plan 1 (private) or Plan 2 (public)
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