Personal Finance
Money is a tool for the life you want.
My reflections about how I think about money in Singapore, and a few simple calculators to explore your own numbers. These are personal views and educational tools, not financial advice.
Reflections
How much is really enough?
What I felt after hitting my first million, and the question underneath it.
Million Dollar HDB Flat?
Why I bought a $960,000 HDB flat and don't regret it one bit. Housing through financial logic, not emotion.
1M65: sure or not?
Is a million dollars in CPF by 65 achievable? The maths behind why my wife and I expect $1.6M combined.
Passive income, one block at a time
How a simple 5·12·5 heuristic turned dividend investing into a game I could keep playing.
How much insurance is enough?
Sizing coverage by working backwards from a meaningful retirement income, not from what an agent tries to sell you.
Financial Tools
These are simple educational calculators to help you think, not financial advice. They use rough assumptions and ignore tax, inflation, and fees. Your real numbers will differ, so treat the results as a starting point for a conversation, not a plan.
Compound Interest
See how a starting sum and steady monthly contributions can grow over time. Small, consistent inputs are what build the compounding machine.
Salary & Expenses
A quick look at where your monthly income goes, and how much is left to save. Your savings rate matters more than your salary.
Retirement Planner
Project what your savings could grow into by the time you retire, and roughly how much monthly income that might support.
Want to think this through together?
Numbers are only half the story. The other half is what you actually want your money to do. Let us talk it through.
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