WealthKaki
WealthKaki is a free web-based financial planning platform designed specifically for Singapore residents. It offers six Singapore-specific calculators: CPF projection, HDB affordability, SRS tax savings, 4% rule retirement, insurance needs, and high-yield savings. The platform also includes a financial dashboard, health score, goal tracking, and a DCA investment tracker. All tools embed rules from official Singapore agencies like CPF Board, HDB, IRAS, and MAS, ensuring relevance and accuracy for local users. The service is free forever with no signup required, though creating a free account unlocks additional features like saving data and accessing premium early-access tools. The platform aims to demystify personal finance in Singapore by providing easy-to-use simulators that answer common questions: How much will my CPF LIFE payout be? Can I afford an HDB flat? How much tax can I save by topping up my SRS? A retirement projection tool gives a quick estimate of monthly income at 65 based on current savings and withdrawal rate. The dashboard consolidates a user’s financial picture, while smart reminders keep them on track with important dates like T-bill auctions and CPF top-up windows. WealthKaki is an educational resource, not a replacement for professional financial advice. It encourages informed decision-making through clear, localized data and projections. The premium tier (invite-only early access) adds scenario saving, after-tax ETF return modeling, and smart DCA rebalancing, but the core calculators remain freely accessible indefinitely.
- Category
- Education
- Pricing
- Free
Problem solved
Helps Singapore residents understand and optimize their finances within the country’s unique system—CPF, HDB, SRS, and tax rules—by providing free, interactive calculators and planning tools that translate complex regulations into actionable numbers.
Use cases
- Project future CPF payouts and compare CPF LIFE plans
- Assess affordability for buying an HDB flat, considering TDSR and ABSD
- Estimate tax savings from SRS contributions and CPF top-ups
- Determine appropriate insurance coverage for life, health, and critical illness
- Run a 4% rule retirement projection to see how savings translate into monthly income
- Track dollar-cost averaging investments and view performance over time
- Set and monitor financial goals like emergency fund, BTO down payment, or retirement corpus
Audience
- Hobbyists
- Business Users
Pros
- Completely free with no signup required for core calculators
- Tailored specifically for Singapore's financial rules and products
- Comprehensive suite covering CPF, HDB, SRS, insurance, and retirement
- Simple, intuitive interface with instant results
- Provides actionable insights like potential tax savings and health score improvements
Cons
- Only applicable to Singapore residents; not useful outside the country
- Requires manual entry of financial data; no automatic sync with banks or CPF
- Does not replace professional financial advice; projections are illustrative
- Premium features (scenario saving, ETF modeling) are behind an invite-only early access
- No dedicated mobile app (accessible via mobile browser)
Official website: https://wealthkaki.com/
Canonical LambdaBase page: https://www.lambdabase.com/tools/wealthkaki