The tools I actually use with clients.
No jargon, no upsell buried in the fine print. The starter guide is the same one I hand new clients, free. The calculators are the actual spreadsheets I run their numbers through — yours for SGD 8 each, or all three for 16.
The Financial Literacy Starter Guide
The basics nobody sits you down to explain: how much to hold in cash, the difference between insurance and investing, what CPF and SRS are actually for, and how to read a policy illustration without your eyes glazing over.
- Plain-English explanations, no product pitches
- Worksheets for your emergency fund and monthly numbers
- A short glossary for the terms advisers assume you know
The Cashflow & Net Worth Planner
A full personal finance workbook in one file: a fact-find sheet to capture your numbers, a cashflow statement, a net worth statement, a retirement calculator and a loan amortization table, all linked and ready to go.
- Fact-find sheet to map your full financial picture
- Cashflow statement with yearly and monthly totals
- Net worth, retirement projection and amortization sheets included
The Financial Independence Calculator
Plug in your income, your target number and an investment return assumption, and see how many years to financial independence at every savings rate from 5% to 100%, side by side.
- Pre-built table across the full range of savings rates
- See exactly how much each extra percent saved shortens your timeline
- Three inputs to edit, everything else updates automatically
The CPF Growth Projector
Project your Ordinary, Special and MediSave Account balances year by year, all the way to 55 and beyond, including whether you're on track to hit the Full Retirement Sum. Comes with a worked example so you can see it running before you touch a thing.
- Year-by-year OA, SA and MS projections to 55+
- Accounts for contribution rate changes as you age
- Flags whether you're tracking to the Full Retirement Sum
Get all three templates
The Cashflow & Net Worth Planner, the Financial Independence Calculator, and the CPF Growth Projector — all three workbooks in one download, for less than the price of two on their own.
- Map your full cashflow and net worth, your FI timeline, and your CPF projections — in one go
- SGD 16 total — save SGD 8 versus buying each separately
- One email, one download, all three files
General information only, not financial advice. These tools are educational and do not constitute a recommendation for any specific product.