Calculators for real-life decisions
From buying a home to understanding take-home pay or fulfilling Islamic financial obligations, each tool turns a complicated topic into a structured estimate you can examine and understand.
Homes and property
Plan affordability, understand selling proceeds, compare renting with buying, assess a rental investment and prepare a renovation budget.
HomeBudget SG
Estimate purchase costs, available cash and CPF, housing loan, BSD, ABSD, COV and affordability limits.
SaleProceeds SG
Estimate cash proceeds after the outstanding loan, CPF refund, selling expenses and applicable Seller's Stamp Duty.
RentBuy SG
Compare the projected financial outcome of renting and buying over 5, 10 and 15 years using your own assumptions.
RentalYield SG
Estimate gross and net yield, expenses, mortgage financing, taxable rental income and monthly cash flow.
RenoBudget SG
Plan renovation works, furniture, appliances, contingency, available cash and loan repayments in one budget.
Salary and personal finance
Understand the path from gross employment income to CPF contributions, estimated income tax and the money available to take home.
Cars and transport
See the financial effect of changing vehicles before committing to the next purchase.
Islamic finance and estate planning
Educational tools for understanding zakat obligations and Islamic inheritance distribution. Individual circumstances and rulings should be verified with an appropriately qualified authority.
FaraidClear
Estimate estate distribution among eligible heirs and understand fixed shares, residuary shares and excluded heirs.
ZakatClear
Estimate zakat on eligible cash, savings, investments, business assets, gold and other zakatable wealth.
How GoToCalc works
Frequently asked questions
Are the GoToCalc calculators free?
Yes. All calculators are free to use and do not require registration, an account or a subscription.
Is the information I enter saved?
No. Calculations are performed locally in your browser. GoToCalc does not save or receive the figures you enter. Reloading or closing the page may clear your entries.
Are the results official?
No. The results are educational planning estimates based on the figures and assumptions entered. They are not approvals, quotations, tax assessments, religious rulings or professional advice.
How current are the rates and rules?
Calculators are designed around the rates and rules stated within each tool. Government policies, tax rates, CPF rules, financing conditions and religious guidance can change, so verify current requirements before acting.
Why do some calculators open with example figures?
Example figures make it easier to see how inputs affect results. They are demonstrations only. Use the clear or reset control where available, or replace them with your own figures.
Can I use the calculators on a mobile phone?
Yes. GoToCalc calculators are designed for desktop, tablet and mobile use. The layout adapts to smaller screens without requiring horizontal scrolling.
What official sources are used?
GoToCalc calculators make extensive use of relevant official references, including guidance from HDB, CPF Board, IRAS, LTA, MUIS and other government or regulatory authorities. Each calculator identifies the sources relevant to its subject. Because rules and rates may change, users should still verify the latest official guidance before acting.
What should I do before making a financial decision?
Review the calculation breakdown, test more than one scenario and verify material decisions with the appropriate government authority, financial institution, licensed adviser or qualified religious authority.