The 50/30/20 rule splits your take-home pay into 50% needs, 30% wants, and 20% savings. This Singapore version first sets aside your CPF contribution (which is already forced savings), then splits what lands in your bank, and tunes the savings share to your life stage.
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Enter your monthly income and CPF contribution to see your take-home pay and a 50/30/20 split. Nothing is saved and no login is needed.
Your salary before CPF and tax.
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The employee portion deducted from your pay. For most under 55, this is about 20% of wages up to the ceiling.
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Sets the savings target the split aims for. Illustrative benchmarks, not a rule.
Rent or mortgage, utilities, groceries, transport, insurance.
Everything here is free and educational, no sign-up and no pitch. If you would like to see what it means for your income, CPF, and goals, a licensed adviser can walk through it with you whenever you are ready.
These calculators are free educational tools. They do not require a login and they do not constitute financial advice or a recommendation. Results are illustrative projections based on the inputs you provide and on current MAS, CPF Board, and IRAS parameters, which are reviewed periodically. ConSol generates educational financial roadmaps; all recommendations require review by our licensed advisory team. Vasper Financial operates as an objective advisory, not tied to any single insurer or institution.