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BI CFO / Singapore / Money Score for Singapore

Money Score for Singapore

Seven quick checks on savings, cover, debt and tax. A score out of 100 and the three changes that would raise it most.

After tax and CPF
Everything except loan repayments and savings
Home, car, personal loans and card instalments
Cash and deposits you can reach quickly
Include CPF Special or Retirement Account; exclude your home
Health cover
This year I use SRS or CPF cash top-ups

Enter your figures to see the result.

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    Common questions

    How is the score worked out?

    Seven measures add to 100: savings rate (20), emergency fund (15), death and disability cover (15), hospital cover (15), debt load against the 55% total debt servicing ratio (15), long-term savings for your age (10) and tax-efficient saving through SRS or CPF top-ups (10).

    Where does the 9 times income benchmark come from?

    Singapore financial planning guides commonly suggest death and total permanent disability cover of about 9 times yearly income if someone depends on you.

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    No. Your answers stay in your browser unless you sign in.

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    For education only. General benchmarks, not a review of your full situation. Not financial, insurance or tax advice.