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Expenses
Track every dollar
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Income
$0
Expenses
$0
Net this month
$0
Spending by Category
Category Breakdown
Spending Trend
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Your Details
S$
S$
S$
What-If Scenario
Years leftiYears remaining until you reach your target retirement age.
0
At retirementiYour projected total balance at retirement, in future dollars (not adjusted for inflation).
$0
nominal
Real valueiYour projected balance in today's purchasing power, after adjusting for inflation over the years until retirement.
$0
today's dollars
RunwayiHow many years your retirement balance can cover your monthly expenses. Based on the 4% safe withdrawal rule.
0
years of income
Safe/moiMonthly income you can safely withdraw in retirement using the 4% rule: 4% of your balance ÷ 12.
$0
4% rule
Needed/moiThe monthly contribution needed to hit your retirement target on time, given your current savings and expected return.
$0
for target
Growth Projection
AI Insights
Monthly Commitments
Expenses
S$0
Income
S$0
Net
S$0
Recurring Expenses
None yet
Recurring Income
None yet
All Goals
AI Insights
How the numbers work
Interest earned — Interest is calculated on your contributions, not the target amount. If you save S$100/month for 12 months at 1%, your average balance is ~S$600, so you earn ~S$6. Raise the rate (e.g. 3.5% for SSB) to see the real difference.
Need / month — The monthly top-up required to hit your target exactly by the end of your horizon, factoring in any interest earned.
ETA — How many months until your balance reaches your target, given your current monthly contribution and rate. "Behind pace" means you need more per month to hit the deadline you set.
Interest rate — Set this to match your savings instrument: 0% for cash under the mattress, ~0.05% for POSB/DBS savings, ~2–3.5% for SSB/T-bills, ~4–7% for ETF/index fund (estimated long-run average, not guaranteed).
Net Worth
S$0
Assets minus liabilities
AssetsS$0
LiabilitiesS$0
Current Assets
Cash and liquid holdings you can access within 12 months
Update these whenever your balances change. Values are stored on this device.
Savings Rate
0%
of income saved this month
Target: 20%
Retirement ETAiSimulates compound growth month-by-month using your current monthly surplus, savings balance, and expected return. Shows the age at which your balance would reach 25× your annual expenses — a common "financial independence" threshold (the 4% rule). Uses settings from the Retire tab.
—
projected retirement age at your current savings rate
Goal age
—
Monthly saved
S$0
Financial Health ScoreiScored out of 100: Savings rate (40pts — full marks at 20%+), Logging streak (20pts — full at 14+ days), Income efficiency (20pts — full when spending ≤50% of income), Retirement readiness (20pts — full when on track to retire by your goal age).
0
/ 100
—
Savings Rate — Last 6 Months
What-If Simulator
New retire age
—
Years gained
0
Milestones
Account
Danger zone
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