Singapore Tools — 12 Free Singapore Utilities

Singapore-specific calculators and tools tailored for residents and expats living in Singapore. Calculate CPF (Central Provident Fund) contributions based on age and salary. Estimate HDB mortgage affordability and monthly payments. Compute Singapore income tax across the latest IRAS tax brackets. Convert monthly salary to daily/hourly rates. Calculate private property affordability with TDSR/MSR limits. Convert between Singapore date formats and other regional formats.

All 12 Singapore Tools

CPF Contribution Calculator

See exactly how much CPF you and your employer contribute monthly based on your salary and age. Includes BRS/FRS/ERS projections.

CPF Housing Withdrawal Calculator

See exactly how much CPF OA you can use for housing downpayment and monthly mortgage, plus the 2.5% accrued interest you must refund on sale.

CPF Retirement Sum Estimator

Project your CPF balances at 55 and see how much you need for retirement under the BRS/FRS/ERS framework.

Embed CPF Contribution Calculator

Get embed code for the CPF Contribution Calculator — monthly CPF for your HR blog.

Embed CPF Retirement Calculator

Get embed code for the CPF Retirement Estimator — retirement sums for your finance site.

Embed HDB Affordability Calculator

Get embed code for the HDB Affordability Calculator — TDSR/MSR for your property blog.

Embed Private Property Affordability

Get embed code for the Private Property Affordability tool — BSD/ABSD for your property blog.

Embed Singapore Income Tax Calculator

Get embed code for the Singapore Income Tax Calculator — IRAS tax reliefs for your finance site.

Embed Singapore Salary Calculator

Get embed code for the Singapore Salary Calculator — take-home pay for your HR blog.

HDB Affordability Calculator

Check how much HDB you can afford based on your income, TDSR/MSR limits, and CPF downpayment. Includes grant eligibility.

HDB BTO vs Resale Calculator

Compare HDB BTO and resale flats side-by-side — grants, lease depreciation impact, monthly mortgage, and breakeven year.

Private Property Affordability

Check affordability for condos and landed property — TDSR, BSD, ABSD, stamp duties, downpayment, and bank loan options.

Singapore Grade Converter

Convert between PTE Academic, IELTS, TOEFL, Singapore O-Level, A-Level, and CEFR grades. Uses Pearson official PTE↔IELTS scoring table.

Singapore Income Tax Calculator

Estimate your Singapore income tax with tax reliefs and deductions using the latest resident tax brackets. Year-by-year breakdown.

Singapore Salary Calculator

Calculate take-home pay, CPF contributions, and income tax for Singapore employees. Uses latest 2026 SG tax brackets.

Why use LaiUse Singapore tools?

  • Free forever — No credit card, no signup, no hidden fees. All 12 tools are 100% free.
  • Privacy first — Most tools process data locally in your browser. Your files never leave your device.
  • No installation — Works on any modern browser, desktop or mobile. No downloads or extensions.
  • Instant results — No upload time, no waiting. Results appear as you type.
  • Standards compliant — Output matches industry standards and works with other tools.