Platform
A complete picture of your finances in four minutes.
ConSol diagnoses the decisions most Singaporeans never question: CPF allocation, mortgage structure, insurance gaps, and investment trajectory. Then it shows you exactly what they are costing you.
How it works
01
Eight questions
Answer questions about your income, CPF balance, housing situation, insurance coverage, and savings rate. No account required.
02
Your roadmap
ConSol calculates what your current decisions are costing you and shows the one or two changes that recover the most value.
03
Advisor session
A MAS-licensed advisor reviews your exact numbers, models CPF LIFE payout, SRS optimisation, and your investment allocation.
2.5%
p.a. accrued interest on CPF OA withdrawn for property
25×
your annual expenses — the corpus target for financial independence
1 in 4
Singaporeans will face a critical illness before age 65
S$0
cost to generate your financial roadmap
What ConSol analyses
CPF Opportunity Cost
If you used CPF OA for your property, there is accrued interest accumulating at 2.5% per year on every dollar withdrawn. Most homeowners do not know how much this will cost when they sell.
Mortgage Structure
HDB loans versus bank loans, fixed versus floating rates, and the TDSR impact on your future borrowing capacity. ConSol models the full cost over the life of your loan.
Insurance Coverage Gap
Most Singaporeans are underinsured for their income, overinsured on whole-life savings plans, and missing critical illness coverage at the right sum assured.
Financial Independence Date
Set your target retirement age. ConSol calculates the corpus you need, your current trajectory, and the exact savings rate required to close the gap.
Your roadmap is free and takes four minutes.
Start now