Every input, and every output
Three planning tools, what each one takes in, and what your client sees on screen. All three are open on the free plan.
FIRE Calculator
The Financial Independence, Retire Early (FIRE) Calculator helps advisors model retirement timelines, required target corpus, and monthly savings targets, all from a single, clean interface. Perfect for first meetings and annual review conversations.
What you get
- FIRE TargetThe total portfolio value needed to retire and sustain your lifestyle indefinitely, inflation-adjusted.
- Projected Portfolio at RetirementEstimated portfolio value at your target retirement age based on current trajectory.
- Surplus / ShortfallThe dollar gap between your projected portfolio and the FIRE target, clearly showing if you are on track.
- Years to Financial FreedomProjected number of years before your portfolio reaches the FIRE target.
- Monthly Expenses at FIREInflation-adjusted monthly spending requirement at retirement, based on today's expense inputs.
- Projected Passive Income / MonthMonthly passive income generated by the FIRE corpus at the safe withdrawal rate.
- Required Monthly ContributionHow much you need to invest each month across Stocks, Bonds, and Bank to hit the FIRE target on time.
- FIRE AlternativesFIRE corpus targets and required contributions across multiple retirement ages, so clients can see the trade-off.
- Cost of ProcrastinationThe financial cost of delaying investment start, quantifying the opportunity cost of waiting.
What you input
Current Age & Retirement Age. Starting point and target retirement age for all projections and timeline calculations. Life Expectancy. Used to model how long the portfolio needs to sustain withdrawals in retirement. Safe Withdrawal Rate (%). The percentage of the FIRE corpus withdrawn annually in retirement. Default is 4%. Portfolio by Asset Class. Toggle to split current portfolio into Stocks, Bonds, and Cash, each growing at its own return rate. Monthly Contributions. Monthly contributions per asset class (or a single blended amount). Supports a contribution growth rate.
Food & Groceries. Monthly food and dining expenses. Bills & Living Expenses. Utilities, subscriptions, and recurring household costs. Car / Transport. Monthly transport costs including car loan, petrol, or public transport. Insurance. Total monthly insurance premiums across all policies. Hobbies, Travel & Miscellaneous. Lifestyle and discretionary spending. Or switch to a single annual retirement spending figure.
Annual Inflation Rate (%). Used to project future expenses at retirement. Default 2.9%. Post-FIRE Investment Return (%). Expected portfolio return during retirement drawdown phase. Expected Returns by Asset Class. Separate return assumptions for Stocks, Bonds, and Cash/Bank savings. Contribution Growth Rate (%/yr). Annual raise applied to monthly contributions, models salary increments over time.
Interactive charts included
Every one is generated live from the same inputs, and redraws as you type.
Portfolio Growth to FIRE Target
Interactive line chart showing portfolio value year-by-year toward the FIRE target. In split mode, shows individual Stocks, Bonds, and Cash lines alongside the blended total.
Expense Breakdown (Monthly)
Donut chart visualising current monthly expenses by category, food, bills, transport, insurance, hobbies, travel, and miscellaneous.
Contributions vs Investment Gains
Stacked bar chart comparing how much wealth comes from monthly contributions versus compounding investment returns over time.
FIRE Target vs Projected Portfolio
Bar chart comparing the required FIRE corpus against your projected portfolio, with a clear surplus or shortfall indicator.
Full Lifecycle, Accumulation & Drawdown
Lifecycle chart showing both the accumulation phase (building toward FIRE) and the drawdown phase (retirement spending), with the portfolio depletion age flagged if applicable.
Investment Platform Fees Comparison
Side-by-side comparison of your platform versus a competitor, showing net portfolio value, cumulative fees paid, and the long-run cost difference.
CPF & SRS Tax Planner
Help clients see exactly how much income tax they can save this year through CPF Cash Top-Up and SRS contributions, and how much relief they're leaving on the table. Supports Singapore Citizens, PRs, and Foreigners.
What you get
- Tax Before ReliefBaseline income tax computed on chargeable income before any relief.
- Tax After ReliefRevised income tax after CPF top-up and SRS contributions are deducted.
- Tax Saved This YearDollar amount saved in the current tax year from the combined relief.
- CPF Tax ReliefBreakdown of tax relief from own top-up and family member top-up.
- SRS Tax ReliefRelief amount from SRS contribution, capped correctly by residency.
- Relief Cap ProgressVisual bar showing how much of the available relief cap has been used vs remaining headroom.
- Lifetime SRS Net Tax BenefitProjects total tax saved across contribution years minus tax payable at withdrawal, showing the true net benefit of SRS.
What you input
Enter chargeable income to calculate baseline tax under YA2026 progressive rates across all 13 brackets.
Model tax relief from topping up your own CPF SA/RA (up to S$8,000) and a family member's account (up to S$8,000).
Calculate tax relief from SRS contributions, S$15,300 cap for citizens/PRs, S$35,700 for foreigners.
Switches between Singapore Citizen/PR and Foreigner mode, CPF section is hidden for foreigners, and the correct SRS cap is applied automatically.
Financial Health Snapshot
Get a comprehensive view of a client's financial health across five dimensions (liquidity, debt, growth, retirement readiness, and protection) in a single dashboard designed for advisor-client conversations.
What you get
- Financial Health ScoreOverall score from 0 to 100 with a label, At Risk, Needs Attention, Developing, Stable, or Strong.
- 5 Dimension ScoresSeparate scores for Liquidity, Debt Health, Growth, Retirement, and Protection, each scored out of 100.
- Client SegmentAuto-classified from Mass Market to UHNW based on net worth, income, and complexity profile.
- Critical Flags & Top PrioritiesRanked action items by urgency with specific advisor levers. What to address first and how to frame it.
- Protection Gap AnalysisTwo-tab breakdown: Income Multiple (rule of thumb) and Needs Analysis (obligations vs resources, segment-based dependent support).
- Advisor Talking PointsAuto-generated per-dimension conversation starters with HNW and estate-phase-aware framing.
- Snapshot ComparisonSave client snapshots and overlay two sessions side-by-side to track financial health over time.
What you input
Monthly income, savings, expenses, debt payments, and passive income for cash flow and ratio scoring.
Full net worth breakdown across CPF, property, investments, cash, and business interests (with ownership %).
Existing coverage amounts and types (life/TPD, CI, accident, hospitalisation, disability) and annual premiums.
Age, dependents, business owner status, cross-border assets, and estate planning flags for segment classification.
Exports and client files
Turn the session into something the client can take away: PDF, PPT or Word under your own practice name, dated for the next review. Client files hold only a label you choose yourself and the figures from that session, ready to load at the next meeting.
- PDF, PPT and Word exports under your own brand
- Your logo, colours and contact details on every export
- Client files load last session’s figures
- Snapshot comparison shows movement since the last review
- No NRIC, legal name or contact details required
More tools coming soon
We're building a complete suite of advisor-grade financial planning tools.
Retirement Income Timeline
Visualise how income streams (CPF payouts, investment drawdowns, rental income, and savings) layer together over the retirement years. Identify income gaps and optimise withdrawal sequencing.
Policy Summary Generator
Aggregate all client insurance policies into a clean one-page summary. View total coverage, premiums, and coverage gaps across life, health, critical illness, and disability policies.
Estate Planning Dashboard
A visual tool for mapping estate distribution across beneficiaries. Model different allocation scenarios, calculate potential estate taxes, and generate a structured estate summary for client review.
Policy File Generator
Generate a structured, shareable client policy file, export all policies, coverage details, and beneficiary information as a formatted PDF. Perfect for annual reviews.
Open them on your own numbers
The free plan gives you all three tools with no time limit and no credit card.