Official reference data
Singapore Insurance Premium Budget Guidelines
A release-controlled reference for the Interest.sg Insurance Premium Budget & Affordability Calculator. It explains the general 15% planning reference, take-home-pay definition and bundled-premium treatment without assessing a policy or recommending a transaction.
Current — verified
View machine-readable JSONSource date: · Last successful check:
Bundled and unclassified premium treatment
| User-confirmed case | Calculator treatment |
|---|---|
| Confirmed protection-only premium amount | Included in the 15% comparison |
| Bundled, investment-linked or savings premium without a confirmed protection portion | Included in cash-flow totals but excluded from the 15% comparison; never auto-split |
| Cash and MediSave funding | Uses the user's selected source or exact entered split; never infers allocation |
Interest.sg tool boundary
| Included | Not included |
|---|---|
| User-entered premiums, funding, renewal dates and optional stress assumptions | Insurer quotes, premium estimates, policy suitability, product comparison, buy, switch or cancellation advice |
Related calculators
Official sources
- MoneySense Basic Financial Planning Guide — First JobMoneySense / Monetary Authority of Singapore · verified 2026-09-04
- CPF Board — Basic Financial Planning GuideCentral Provident Fund Board · verified 2026-09-04
Official data can change. Open the sources above to confirm the latest rules before acting; Interest.sg never estimates missing official values.
Suggested citation: Interest.sg, “Singapore Insurance Premium Budget Guidelines”, source date 2026-05-11, last successful check 4 Sept 2026.