Rent or buy
What could go wrong
One life is one guess. These are the ordinary things that go wrong, and what each would cost you. Tap one to live it.
What moves the money
Where the leverage actually is, biggest first. This says what the arithmetic is sensitive to, not what anyone should do. Tap one to try it.
Where the money sits, year by year
Focus the chart and use Left/Right, Home or End to hear the figures for each age.
What happens, and when
The big decisions
Housing — where, what, how it's paid for
Family, car and work
What if I invest my spare cash?
Fine print — the numbers no agency publishes
Year by year
Today's dollars. Pay is monthly gross including employer CPF, the way MOM reports it. CPF is both earners added together.
Where every number comes from
The assumptions in this life
These are not published Singapore facts. Editable assumptions are shown first; fixed modelling defaults are disclosed below them.
The rules