Free calculators for planning CPF contributions, income tax, home loans, retirement savings, and more. All calculations run in your browser using official rates from CPF Board, IRAS, and LHDN. Nothing you type is sent to a server, no account is needed, and every result shows the full working rather than a single number. Built for people earning and planning in Singapore and Malaysia.
Quick Answer
AsiaCalc offers free financial calculators in four groups. Tax: Singapore income tax, Malaysia income tax, Hong Kong salaries tax, India income tax, and Philippines SSS. CPF and retirement: CPF contributions, CPF versus EPF comparison, retirement planning, and savings goals. Property and loans: home loans, personal loans, and TDSR and MSR affordability. Money tools: GST, currency conversion, investment growth, credit card payoff, salary increments, and emergency fund sizing. All run in your browser with no signup. Rates as of 2026. Verify with official sources before acting.
Category 1
Tax Calculators
Singapore Income Tax Calculator
Work out your YA 2026 tax with IRAS reliefs, rebates, and CPF deductions applied.
Use Free Calculator →Malaysia Income Tax Calculator
YA 2026 LHDN tax with EPF relief, personal reliefs, and a monthly PCB estimate.
Use Free Calculator →Hong Kong Salaries Tax Calculator
Progressive rates, allowances, and the 15% standard rate cap for 2025 to 2026.
Use Free Calculator →India Income Tax Calculator
Compare the new and old regimes for FY 2025 to 2026 and see which costs you less.
Use Free Calculator →Philippines SSS Calculator
Employee and employer SSS contributions from monthly salary, including OFW rates.
Use Free Calculator →Take-Home Pay Calculator
Net salary after CPF and income tax, shown monthly and annually.
Use Free Calculator →Freelancer Tax Calculator
Self-employed income tax plus mandatory MediSave contributions for Singapore SEPs.
Use Free Calculator →Category 2
CPF and Retirement
CPF Contribution Calculator
Your monthly CPF split across OA, SA, and MediSave for every age band and PR status.
Use Free Calculator →CPF vs EPF Comparison Tool
Singapore CPF and Malaysia EPF side by side on rates, allocation, withdrawals, and projections.
Use Free Calculator →Retirement Calculator
Find your retirement target and the monthly saving needed to reach it in time.
Use Free Calculator →Savings Goal Calculator
How long a specific goal takes, the interest you earn, and a year by year breakdown.
Use Free Calculator →CPF Top-Up vs SRS Calculator
Compare the tax saving from a CPF cash top-up against an SRS contribution at your income.
Use Free Calculator →CPF Housing Withdrawal Calculator
Valuation Limit, accrued interest at 2.5% a year, and your total CPF refund on sale.
Use Free Calculator →Category 3
Property and Loans
Home Loan Calculator
Monthly repayment, total interest, and a full amortisation schedule for HDB and bank loans.
Use Free Calculator →Personal Loan Calculator
Monthly payment, the true effective interest rate, and total cost of any loan offer.
Use Free Calculator →TDSR and MSR Calculator
Check whether your property loan passes MAS limits, including the 4% stress test.
Use Free Calculator →Stamp Duty Calculator
BSD and ABSD for citizens, PRs, and foreigners, with your total upfront cost.
Use Free Calculator →Category 4
Money Tools
GST Calculator
Add or remove 9% GST from any amount, and compare against Malaysia SST at 8%.
Use Free Calculator →Currency Converter
Convert SGD, MYR, PHP, IDR, THB, USD and more with Southeast Asia context.
Use Free Calculator →Investment Calculator
See how compound growth and monthly contributions build over time.
Use Free Calculator →Credit Card Payoff Calculator
How long clearing your balance really takes and what minimum payments cost you.
Use Free Calculator →Salary Increment Calculator
Turn a pay rise into real numbers: dollar increase, new annual salary, and CPF impact.
Use Free Calculator →Emergency Fund Calculator
Size your cash buffer by expense category, tailored to how stable your income is.
Use Free Calculator →Insurance Needs Calculator
How much life and critical illness cover you need given your dependants and debts.
Use Free Calculator →MediShield Life Calculator
Estimate your annual MediShield Life premium by age and see what the scheme covers.
Use Free Calculator →Category 5
Quizzes
Not sure which one to open first?
If you do not have a specific question yet, start with the financial health quiz. It takes about three minutes and points you at the calculators that match whatever is actually missing.
If you do have a specific question, work from the ground up. Establish your real monthly income with the take-home pay calculator, size your cash buffer with the emergency fund calculator, then move on to longer-term planning with the retirement calculator. Property buyers should check borrowing capacity with TDSR before looking at repayments, because the limit usually binds before affordability does.
Rates as of 2026. Verify with official sources before acting.
Frequently Asked Questions
Four groups. Tax covers Singapore income tax, Malaysia income tax, Hong Kong salaries tax, India income tax, and Philippines SSS. CPF and retirement covers CPF contributions, a CPF versus EPF comparison, retirement planning, and savings goals. Property and loans covers home loans, personal loans, and TDSR and MSR affordability. Money tools cover GST, currency conversion, investment growth, credit card payoff, salary increments, and emergency fund sizing.
Yes. Every calculator is free with no account, no email address, and no usage limit. The site is funded by advertising rather than subscriptions. There is no premium tier and no paywalled result, so you see the full breakdown for every calculation.
Singapore tax rates and reliefs come from IRAS, CPF contribution and allocation rates from CPF Board, and Malaysia tax rates and reliefs from LHDN, with EPF figures from KWSP. Each calculator lists its data sources at the bottom of the page along with the date the rates were verified. Rates as of 2026. Verify with official sources before acting.
No. Every calculation runs in JavaScript inside your own browser, so the numbers you enter never reach a server. Some calculators save your last inputs in local storage purely so you do not have to retype them, and clearing your browser data removes that immediately.
If you are not sure where your finances stand, start with the financial health quiz, which points you to the calculators matching your gaps. If you have a specific question, start with take-home pay to establish your real monthly income, then size your cash buffer with the emergency fund calculator. Property buyers should check TDSR before looking at home loan repayments.
Results from these calculators are estimates for planning purposes only and do not constitute financial, tax, or legal advice. Consult a qualified professional before making decisions.