Free · No Login · 100% Private

Your Singapore
Finance Companion

Plan your FIRE journey with CPF-aware projections, track every dollar with budget categories, manage your investments — all stored privately on your device. No login. No cloud. No cost.

🚀 Launch FinSight SG — Free See Features ↓
Your data never leaves your device
CPF OA, SA, MA-aware FIRE projections
Free forever — no credit card needed
finsightsg.app
Dashboard
FIRE Planner
Budget
Portfolio
Insurance
Goals
🚀 Getting Started — 2 of 4 steps complete
72
Your Financial Health Score
You're on the right track.
AI Insight
You're 63% of the way to your S$1.2M retirement target with 22 years to go. Invest S$800/mo more to close the gap.
Take-Home Pay
S$5,240
after CPF deduction
Spent This Month
S$3,120
On track
Savings Rate
23%
Above 20%
FIRE Progress
63%
Everything in One Place

Built from the ground up for Singaporeans

Every tool is designed around how Singaporeans actually manage money — CPF accounts, HDB equity, SRS contributions, MAS insurance benchmarks and all.

🔥
FIRE Planner
Find out exactly when you can retire. Model your CPF OA, SA, and MA alongside your investments. See a plain-English outcome: "You're on track to retire at 55 with a S$180K surplus."
CPF OA/SA/MA SRS CPF LIFE Tax Relief
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Budget by Category
Singapore-tailored budget categories pre-loaded: Hawker Food, HDB/Rent, MRT/Bus, Kids & Education, Insurance Premiums. Set monthly limits, log transactions, track spending in real time.
SG Defaults Monthly Rollover Recurring Transactions
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Investment Portfolio
Track SGX stocks, ETFs, REITs, SSBs and US holdings. Import from a brokerage screenshot via OCR — no CSV needed. Live price refresh. See your paper gain, dividend coverage and CPFIS holdings.
SGX + US OCR Import CPFIS Live Prices
🛡️
Insurance Coverage
Check your life, critical illness, hospitalisation and TPD coverage against Singapore benchmarks. Know your gap in seconds. Already enrolled in MediShield Life and CareShield Life? We account for that.
MediShield Life CareShield Life CI & TPD MAS Benchmarks
🏦
Your Real Net Worth
See your full financial picture: CPF accounts, cash savings, investments, CPFIS holdings, SRS, property equity (with HDB accrued interest deducted), and all liabilities. True net worth, nothing hidden.
HDB Equity CPF Accrued Interest Full Breakdown
🎯
Savings Goals
Set goals for BTO down payment, emergency fund, children's education, or any milestone. Quick-start templates for the most common Singaporean goals. See the monthly amount you need to save.
BTO Template Emergency Fund Education Fund
Get Started in 3 Minutes

No account. No setup. Just open and go.

FinSight SG is a single web page — nothing to install, no app store, no sign-up email. Your data is saved in your browser, privately.

1
Open FinSight SG
Click "Launch App" — it opens instantly in your browser. No download, no installation, no account required. Works on iPhone, Android, iPad, and desktop.
2
Enter your details
A 3-step setup wizard walks you through: your age and income, your CPF balances, and your retirement goal. Takes under 3 minutes. Your budget categories are pre-filled automatically.
3
See your full picture
Your FIRE date, retirement fund target, savings rate, net worth, and insurance gaps — all calculated instantly. Then explore each module to track, plan and optimise.
Inside the App

A complete financial picture at a glance

Six interconnected modules that show you exactly where you stand and what to do next.

📊 Dashboard
Your financial health at a glance — score, savings rate, FIRE progress and personalised AI insights.
Wei Ming · Age 32
🚀 Getting Started — 3 of 4 complete
Take-Home
S$5,240
Spent
S$3,120
Savings Rate
23%
FIRE Progress
63%
Your Financial Health Score
72
You're on the right track. Boost savings to move higher.
Your Real Net Worth
S$328,400
CPF + Cash + Investments
🔥 FIRE Planner
CPF-aware projections, plain-English outcomes, and a tax efficiency dashboard. Find your exact retirement date.
🔥 FIRE Planner — FIRE = Financial Independence, Retire Early
This planner estimates how long until your savings can support you without working.
Age
32
Retirement Age
55
Monthly Salary
S$8,000
CPF OA Balance
S$82,400
CPF SA Balance
S$44,100
Monthly Investment
S$1,200
🗣️ What This Means For You
⚠️ Almost there. You have a funding gap of S$186K. To retire at 55, you'd need to invest just S$620/month more. At your current pace, you're on track for age 57.
Retirement Fund Target
S$1.2M
Projected Savings
S$1.01M
CPF LIFE (age 65)
S$1,840/mo
CPF adds S$312,000 to your retirement
💰 Budget by Category
Singapore-specific categories, monthly envelope budgets, and real-time spending progress with recurring transaction support.
Budget by Category
Nov 2025 · S$4,120 left
🏠 Housing (HDB/Rent)
S$1,420 / S$1,800
🍜 Food & Hawker
S$380 / S$600
🚇 Transport (MRT/Bus)
S$82 / S$200
🛡️ Insurance Premiums
S$240 / S$240
👶 Kids & Education
S$310 / S$500
📈 Investments / CPF
S$1,200 / S$1,200
📈 Investment Portfolio
Track SGX and US holdings, import via brokerage screenshot OCR, see live prices and paper gains in real time.
Investment Portfolio
Prices as of 14:32 SGT · 🔄 Refresh
Portfolio Value
S$84,200
Paper gain: +S$9,140
Annual Dividends
S$2,840
S$237/mo
How Your Money Is Split
ES3.SI
ETF
SPDR STI ETF
S$34,200
+12.4%
CSPX.L
ETF
iShares S&P 500 ETF
S$28,400
+18.1%
A17U.SI
REIT
CapitaLand Integ. REIT
S$12,800
−4.2%
SSB
Bond
Singapore Savings Bond
S$8,800
+3.1%
Privacy First

Your data never leaves your device

Most finance apps send your data to their servers. FinSight SG works entirely in your browser — there is no server to breach, no account to hack, no company holding your financial data.

🔒
Zero Server Storage
All your data is stored in your browser's IndexedDB. No servers, no databases, no cloud sync — it lives only on your device.
🚫
No Account Required
No sign-up, no email, no password. Open the app and start immediately. Nothing to breach, nothing to lose.
🍪
No Tracking Cookies
We use Plausible Analytics — cookieless, GDPR-compliant, PDPA-friendly. We see page counts, not personal data.
📱
Works Offline
Install as a PWA via "Add to Home Screen" on iOS and Android. Works without internet — only price refresh requires a connection.
Common Questions

Frequently asked questions

Everything you need to know about planning your finances in Singapore.

Most financial planners recommend a retirement corpus of 25–30 times your annual expenses, based on a 3.5% safe withdrawal rate. For example, if you need S$4,000 per month in retirement, your FIRE number is approximately S$1.37 million. This does not include CPF LIFE payouts, which reduce the amount you need to self-fund. FinSight SG's FIRE Planner calculates your personalised number based on your actual income, CPF balances, and target retirement age.
CPF is a significant part of most Singaporeans' retirement. Your Ordinary Account (OA) earns 2.5% interest and is accessible from age 55. Your Special and Retirement Accounts earn 4% and fund CPF LIFE, which pays a monthly income from age 65. FinSight SG models both scenarios — with and without CPF — so you can see exactly how much CPF contributes to your retirement corpus and what gap remains to be covered by savings and investments.
Your FIRE number is the total wealth needed to retire and live off your investments indefinitely. It is calculated as: Annual Retirement Expenses ÷ Safe Withdrawal Rate. FinSight SG uses a default SWR of 3.5% — conservative for Singapore's longer life expectancies. You can adjust this along with your retirement age, CPF balances, SRS contributions, and expected investment returns to model different scenarios.
Yes — by design. FinSight SG stores all your data in your browser's local storage (IndexedDB) on your own device only. Nothing is ever transmitted to a server, because there is no server storing user data. We use no cookies and collect no personal information. There is nothing to breach because your financial data never leaves your device. Read our full Privacy Policy for details.
Completely free. No subscription, no credit card, no account required. All six modules — FIRE Planner, Budget Tracker, Portfolio Manager, Insurance Overview, Net Worth Tracker, and Savings Goals — are fully accessible at no cost. Your data is stored on your own device and never sent to any server.
The standard recommendation is 3 to 6 months of essential expenses. In Singapore, where government support schemes such as ComCare and SkillsFuture exist, 3 months is a reasonable minimum for those in stable employment. Self-employed individuals and freelancers should target 6 months or more. FinSight SG's Goals module includes a pre-built Emergency Fund template to help you track your progress.
The 50/30/20 rule — 50% needs, 30% wants, 20% savings — is a useful starting framework but needs adjustment for Singapore. Housing (HDB loan repayments via CPF) and insurance premiums are often deducted before take-home pay, which changes the percentages. FinSight SG's budget tool uses a Singapore-adapted version with local categories like Food & Hawker, EZ-Link Transport, CPF Top-ups, and Kids & Education built in from day one.
Yes, fully. FinSight SG works on iOS Safari, Android Chrome, and all modern mobile browsers with a responsive design optimised for small screens. You can also install it as a Progressive Web App — tap Share → Add to Home Screen on iPhone, or use the Add to Home Screen prompt on Android. This gives you a full-screen, app-like experience on your home screen with no App Store download required.

Ready to take control of your finances?

Join Singaporeans who've already mapped their path to financial independence. Free, private, and built for how we manage money here.

🚀 Launch FinSight SG — Free
No login · No credit card · All data stays on your device