R Y
Light
Gross net worth
$0
CPF total
$0
Liquid cash
$0
Investments
$0
Take-home salary
$0
Fixed outflows
$0
Per month
Monthly Discretionary Spend
$0
Total Accumulated Miles
0
Across all cards & programmes
Free Cash Flow
$0
discretionary after fixed outflows
Emergency Fund
0.0 / 6.0 months
liquid cash ÷ fixed outflows
Gross net worth over time
SGD � GNW = CPF + Liquid + Investments + Rent deposit
All series?
Gross NW
CPF
Liquid
Investments
Milestones
Progress towards key net worth targets
$0
0%
$0
$0
0%
$0
Period
Total Spend
$0
Monthly Avg Spend
$0
Monthly Discretionary Avg
$0
Latest Month Spending Breakdown
Monthly Spending vs. Spending Excluding Rent
Total Annual Expenses by Category
sorted by total
Expense as % of Paid Out Income
· net income = S$0
Fixed monthly commitments
Current recurring outflows
Rent
-$
GXS loan (bal. $)
-$
Parents
-$
Insurance
AIA L54 �2 ($378) + Pru ($155)
-$
Income Tax
-$
CPF Edu Loan
-$
Total-$4,518 / mo
Commitment Breakdown
% of fixed outflows
$4,518
per month
Rent$2,250
GXS Loan$1,135
Insurance$533
Parents$400
CPF Edu Loan$200
Income Tax$0
Subscription Tracker
Active recurring subscriptions · monthly cost
| Service | Billing | Monthly | Annual | Card | Status |
|---|---|---|---|---|---|
| Total | |||||
Monthly Budget Planner
Adjust sliders to forecast next month’s discretionary spend · defaults = current monthly averages
Current Avg Monthly
$0
discretionary only
Forecasted Spend
$0
sum of sliders below
Difference
$0
vs current avg
Monthly Interim Spend
Key in accumulated charges on each card for the current month
Citi PremierMiles
$
Citi Rewards
$
HSBC Revolution
$
DBS Women's World
$
OCBC 90N
$
Total Interim Spend$0.00
My Cards
Cards used for rewards and everyday spend
Citi PremierMiles
1.2 MPD / 2.2 MPD (SGD / FCY)
Contactless & online
Travel, rent
Citi Rewards
4.0 MPD
Online only
No travel, no Apple Pay
HSBC Revolution
4.0 MPD
Contactless & online
Travel, HEYMAX
No fast food
DBS Women's World
4.0 MPD
Online only
Travel, retail
No Apple Pay in store
OCBC 90N
1.3 MPD
Contactless & online
Travel
Trust Freedom
1.3mpd local & overseas, no cap
no FX fees
Everyday spending, travel
Air Miles Breakdown
total miles across all programmes
0
total miles
Citi Rewards & HSBC pts � 2.5 � DBS pts � 2
Miles History
month-end balances by programme
Miles Earn Rate
effective miles per dollar by card
| Card | Spend | Miles Earned | MPD |
|---|
Effective Miles per Dollar (MPD)
Sep 26 · higher is better
Total Investments
$0
Portfolio value
Endowus (Capital)
$0
Capital Group funds
—
IBKR JO
$0
Interactive Brokers
—
Fomo Wallet
$0
Alt investments
—
Portfolio Value History
monthly portfolio value
CPF breakdown
snapshot
$0
Total CPF
Liquid cash breakdown
Monthly Income Breakdown
| Month | Gross | Net | Take Home % |
|---|
Accumulated Gross & Net Income
cumulative totals
Income Tax Estimator
IRAS YA2024+ · based on 2026 paid out gross income
Tax Payable
$0
Effective Rate
0%
Monthly Provision
$0
🔥 FIRE Calculator
Financial Independence, Retire Early · adjust inputs to see projections update in real-time
Current Position
$
$
Monthly Contributions
$
$
Assumptions
$
Yes
🎯 FIRE Number
$0
Annual expenses ÷ SWR
⏱️ Years to FI
0
FIRE age: —
📊 Progress
0%
💹 Real Return
0%
Return minus inflation
📈 Portfolio Projection
Simulated growth vs. FIRE target · updates with inputs above
🔬 Sensitivity Analysis
Years to FI at different savings & return combinations · current inputs highlighted