Mastering money the simple way

Free, no-login calculators built for everyday Singaporeans. Work out your CPF, home loan, income tax and savings in seconds.

Built and checked against CPF Board, IRAS, HDB, MAS and SGX. Always free, no sign-up.

50/30/20 Budget

Split your pay the simple way.

Open

Emergency Fund

How big should your safety net be?

Open

Net Worth

Add it all up in one place.

Open

Savings Goal

Hit your target by when you want.

Open

Debt Payoff

Snowball or avalanche, see which clears faster.

Open

HDB / BTO Affordability

What flat can your income support?

Open

Home Loan

Your monthly repayment, instantly.

Open

Stamp Duty (BSD + ABSD)

Know the tax before you buy.

Open

Seller's Stamp Duty

Selling early? See what you owe.

Open

CPF Accrued Interest

How much CPF to refund when you sell.

Open

Car Affordability

Can you really afford that car?

Open

Car Total Cost

COE, ARF, road tax, the full picture.

Open

Compound Growth

Watch small sums grow over time.

Open

DCA Projector

Invest monthly, see the long game.

Open

SSB vs T-bill vs FD

Where should your spare cash sit?

Open

FIRE Number

How much you need to retire early.

Open

Inflation

What your money is worth later.

Open

Take-Home Pay

Salary after CPF, in seconds.

Open

Income Tax (IRAS)

Estimate your YA2026 bill.

Open

CPF LIFE Payout

Your retirement income, estimated.

Open

SRS Tax Relief

How much tax could you save?

Open

BTO Grants

See which grants you qualify for.

Open

Insurance Needs (DIME)

How much cover do you actually need?

Open

MediShield + IShield

Premiums by age, made clear.

Open

Toto Odds

The real odds, no hype.

Open

Trip Budget

Plan your holiday spend.

Open

No calculators match that search. Try another word.

Ads sit in a clearly separated band, never blended into the calculator cards.

Most used this month

See all

Take-Home Pay

$4,000

Take-home 80%CPF 20%

Example: $5,000 salary, age 30

HDB Affordability

$560k

Cash + CPF 25%Loan 75%

Example: $7,000 household income

Income Tax YA2026

$3,350

Kept 96%Tax 4%

Example: $80,000 assessable income

From the blog

All articles

Money

HDB Loan vs Bank Loan: The Real Differences for Home Buyers

Money

Income Tax Basics for Singapore Residents: How the Brackets Work

Money

How CPF Contributions Affect Your Take-Home Pay

Why trust Hobo Finance

One Singaporean, doing the maths in the open. Every calculator shows how it works and links to the official source, so you can check it yourself. This is general information, not financial advice.

Official sources

CPF BoardIRASHDBMASSGXSingStat

Always

Free to use. No login. No saving of your numbers. Nothing leaves your browser.

One money tip a week

New calculators and plain-English guides for Singaporeans. No spam.