Singapore has no natural resources.

But even with its limitations, it has grown to be more than just a little red dot.

Many of Singapore’s successes, such as its economic growth, come from the people living in it, and these successes will likely continue for the foreseeable future.

Education is a core component of human capital, which has played a pivotal role in the growth of Singapore.

As such, the importance of education has always been highlighted, not just from a national level, but from a parental level too. And that’s how we get the saying, “Study hard and you’ll get a good job.” 

However, with a stronger demand in education, costs will inevitably rise, and that also contributes to the overall increase in the cost of living in Singapore. This creates a greater need to implement strategies for better financial management, such as effective spending and utilising savings or investment alternatives.

How much has the cost of education already risen? And what is the average education inflation rate in Singapore? 

Read on to find out!

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Do you know how much you spend each month?

If you’re serious about growing your net worth and achieving your financial goals, the first step is understanding your numbers — your income, expenses, and savings. From there, you can tap into the wide range of personal finance tools available to help you manage and optimise your money.

Curious about how well Singaporeans track their spending, we surveyed 984 adults aged 18 and above to learn more about their habits.

Here’s what we discovered.

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Death is the one certainty every financial plan is built around, yet it is the topic most of us plan for least.

The numbers below tell you how many people die in Singapore, what they die of, and your odds of reaching 65, 85, and even 100. Each one carries a practical lesson for you and your loved ones.

Let’s get into the data.

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If someone asked what you’re worth, could you give a number? Most of us can quote our salary to the dollar, yet net worth, the figure that actually measures financial progress, usually gets a shrug. This page fixes that: use the calculator to get your number, then read on to understand what it means and how it compares.

If you prefer working in a spreadsheet, FinSnap, our free template, calculates your net worth and keeps it alongside your budget, insurance, and the rest of your financial data in one place.

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Why do some of us find it hard to save money?

Is it because of our saving and spending habits? It can very well be.

We must exert control over them and not let them control us.

One way is to build a budgeting plan to manage your personal finances. It takes into consideration your monthly income, amount of savings/investments you intend to set aside and expenses – necessities and wants.

While it may seem like a chore (which it isn’t), its usefulness will go a long way.

Doing this will ensure you can save more and spend less.

So, let’s find out how to budget money effectively!

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Do you know exactly where last month’s salary went? Most of us can name our income to the dollar. The expenses side is usually a blur, and that blur is where savings quietly disappear. This free calculator works out your take-home income, adds up your monthly expenses, and shows you the number that actually matters: how much cash you have left each month, and where the rest of it went.

If you prefer working in a spreadsheet, FinSnap, our free template, tracks your income and expenses alongside your net worth, insurance, and the rest of your financial picture in one file.

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What does retirement actually look like to you?

Maybe it’s slow breakfasts and morning walks. Maybe it’s travelling twice a year, helping out with the grandchildren, or simply having the option (and not the need) to work.

Whatever your version looks like, it comes with a price tag. Retirement planning is simply working out that price tag, and then deciding how CPF, your savings, your investments, and even your flat will pay for it.

This guide covers the whole picture: how retirement income actually works in Singapore, how much you’ll need, what CPF already gives you, what to build on top, and the exact changes in 2025 and 2026 that affect your plan.

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Every month, part of your salary quietly disappears into CPF. But how do those deductions actually turn into an income when you stop working?

Two birthdays do most of the work. At 55, your Retirement Account is created. At 65, the money in it starts paying you every month, for life.

This guide walks through what happens at each step, how much you can expect, and the honest answer to whether it’s enough.

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On 1 July 2026, the statutory retirement age in Singapore went up from 63 to 64, and the re-employment age from 68 to 69.

This is the second of three planned increases, and it quietly changed more than just the age on a piece of legislation. If you have yet to open a Supplementary Retirement Scheme (SRS) account, for example, your future withdrawal age has just moved.

What exactly changed, and how does it affect your retirement planning?

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Singaporeans are living longer than almost anyone else in the world. A resident born today can expect to live to 83.9 years, and someone who reaches 65 will very likely spend two decades or more in retirement.

That is a long time to fund. And if your money simply sits in a bank earning next to nothing, rising prices will chip away at what it can buy year after year.

So the real question isn’t whether to save for retirement. It’s where to put those savings so they grow, stay safe enough, and turn into a reliable income when you stop working.

This guide walks through the main retirement investment options in Singapore, roughly from safest to riskiest, then shows how to combine them by age. Some you already own without thinking about it, starting with your CPF.

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