Navigate every major life decision in Singapore with confidence.
From buying your first home to planning for retirement, understand the financial implications of life's biggest moments. We break down complex policies into actionable guidance.
$500K+
Average BTO Price
$15K+
Delivery + Hospital
$150K+
Car Ownership (10yr)
0-22%
Income Tax Range
Filter by your life stage
Whether you're eyeing a BTO, resale HDB, or private property, understand the true costs and CPF implications before you commit.
Complete guide to BTO, resale HDB, EC, and private property ownership in Singapore.
MediSave, MediShield Life, and Medifund form the backbone of Singapore's healthcare financing. Learn how to maximize your coverage.
Navigate Singapore's healthcare system, from subsidized care to private hospitals.
Personal healthcare savings (8-10.5% of salary). Use for hospitalization, approved outpatient treatments.
Basic insurance for large hospital bills. Automatic coverage for all citizens/PRs.
Safety net for needy Singaporeans who can't afford bills even after MediSave and MediShield.
From pregnancy support to caring for loved ones with special needs, explore all the schemes and grants available.
Baby bonus, maternity leave, CDA, and all government support for new parents.
SNTC, SNSS, and long-term care planning for loved ones who need extra support.
Asset division, CPF splits, maintenance, and rebuilding finances post-divorce.
From car ownership to pet care, understand what lifestyle choices really cost in Singapore.
The world's most expensive place to own a car. Understand COE, ARF, and total cost of ownership.
HDB pet rules, vet costs, licensing, and pet insurance options for fur parents.
Tax optimization, estate planning, and preparing for life's eventual transitions.
Singapore's tax system, reliefs, SRS contributions, and legal tax optimization strategies.
What happens to your CPF, insurance, property, and bank accounts when you pass away.
Critical numbers every Singaporean should know for financial planning
80%+
Live in HDB Flats
#6
Global Healthcare Ranking
55%
TDSR Limit
0.97
Fertility Rate
$100K+
COE Premium (Cat A)
$11,000
Baby Bonus (Cash)
16 Weeks
Maternity Leave
$102,900
CPF Full Retirement Sum
Common questions about life in Singapore
BTO offers lower prices (typically 20-30% below resale) and is subsidized, but requires 3-5 years wait time. Resale HDB provides immediate occupancy and location choice, but at higher prices. Consider your timeline, budget, and location preferences. First-timer grants are available for both, with Enhanced CPF Housing Grant up to $80K for resale.
MediShield Life covers B2/C ward hospitalization with co-payment. An IP upgrade is recommended if you want: private hospital access, A/B1 ward, higher coverage limits, or to minimize out-of-pocket expenses. Consider your risk tolerance, health history, and budget when deciding on the level of upgrade.
Total 10-year car ownership costs around $150K-$200K+ for a basic car. With excellent public transport and ride-hailing options, car ownership is rarely a financial necessity. It makes sense if you: have young children/elderly to transport frequently, need it for work, or value the convenience highly. Otherwise, alternatives like car-sharing or grab/taxi may be more cost-effective.
Singapore offers comprehensive support: Baby Bonus cash gift ($11,000 for 1st-2nd child), CDA government co-matching (up to $6,000), MediSave Grant for Newborns ($4,000), subsidized childcare, maternity leave (16 weeks), paternity leave (4 weeks), and various tax reliefs. Total government support can exceed $25,000+ per child.
Key tax-saving strategies: CPF cash top-ups (up to $8,000 relief for self, $8,000 for family members), SRS contributions (up to $15,300 for Singaporeans), course fee claims, donation deductions (250% tax deduction), NSman relief, and various family-related reliefs. Planning ahead before year-end can maximize your tax savings.
If you've made a CPF nomination, your savings go directly to your nominees according to specified proportions. Without a nomination, CPF is distributed according to intestacy laws (which may not align with your wishes) and takes longer to process. Making a CPF nomination is free and can be done online in minutes — it's one of the most important financial tasks to complete.
Whether you're buying a home, planning for a baby, or considering a major life decision, we can help you understand the financial implications.
Living well in Singapore requires integrating these topics with your broader financial planning