Straight questions.
Clear answers.

No. interest.sg is owner-operated and is not a bank, lender, insurer, broker, financial adviser, property agent, valuation firm, tax agent, law practice or government agency. It is not affiliated with or endorsed by MAS, CPF Board, IRAS, HDB, URA or another authority. The platform provides general information and user-directed calculations, not personalised regulated advice.

The calculator index is the authoritative live list across property, CPF, savings, tax, insurance protection, and car and transport planning. If a feature is temporarily unavailable, the affected page will say so directly rather than display a demo result.

The current public calculators and account features are available without a charge. We may introduce clearly labelled optional paid features later, but we will disclose the price and applicable terms before any purchase. We will not convert a free action into a charge without the user's agreement.

Tools identify their primary sources and applicable dates. Sources include MAS, CPF Board, IRAS, HDB, URA, data.gov.sg and official bank pages where relevant. “Official source” describes the origin of the data; it does not mean interest.sg is approved by that authority.

Update timing follows the source. Auction and issue data can change with each publication; statutory rates and limits change when the responsible authority updates them. Each data page or result shows its source and checked/effective date. If required source data cannot be validated, the product should show that it is unavailable rather than substitute a guessed value.

No. Results depend on the values entered, the stated assumptions, the implemented formula and dated source data. Institutions can apply eligibility, rounding, valuation, credit, residency, timing or exception rules that a calculator cannot determine. Check the workings and confirm an important decision with the relevant authority or qualified professional.

Not merely because you type them or calculate. Most calculations run in your browser. Data leaves your device only for a stated function, such as fetching reference data, checking a property against official transactions, saving a calculation, using AI listing import or emailing a report. Saving requires a signed-in account and a deliberate save action.

Only the optional sections you choose to save, such as household context, income and spending, CPF/SRS, assets, property, debts and goals, plus scenarios, consent records and value-free audit events. Financial sections, snapshots and scenarios are encrypted by the Worker before storage. interest.sg can decrypt them to provide requested functions, so this is not zero-knowledge encryption. Do not enter NRIC, bank login, card or account numbers.

Yes. My Financial Profile can be exported as JSON or CSV and printed to PDF. You can delete one saved calculation, delete the Financial Profile while keeping the account and separately saved calculations, or delete the entire account. The Privacy Policy explains the different consequences and bounded retention of recovery copies and pseudonymous analytics.

Only when you choose AI import, a screenshot or sanitised text from a supported listing page is sent to OpenAI to extract editable facts. interest.sg does not intentionally store the uploaded image or extraction output in D1. OpenAI's API controls may retain inputs and outputs for up to 30 days for service and abuse monitoring. Crop names, phone numbers and other unnecessary personal data before uploading, and verify every extracted field. Official HDB or URA transactions—not the AI output—are used for the automated estimated-value range.

No. It is an automated comparison with selected official transaction records under stated matching rules. It is not a valuation report, loan approval, HFE letter, offer, legal due diligence, tax determination or confirmation of CPF/HDB eligibility. A lender, valuer, lawyer, HDB, CPF Board or IRAS may reach a different result.

No. It is a mathematical illustration under user-selected assumptions. It does not assess suitability, recommend a security or product, predict returns, include every fee/tax/risk, or guarantee that a simulated outcome can be achieved. Actual investments can lose value, including principal.

We do not sell, rent or trade personal data, and we do not disclose it to advertisers, data brokers, financial advisers, property agents, lenders, insurers or other commercial partners. Limited service providers process data only to host, secure or deliver a function you request—for example Cloudflare, optional Google sign-in, user-triggered OpenAI extraction and Brevo. The Privacy Policy gives the details.

Yes. English and Simplified Chinese pages are live. Use the language control to switch versions. If you find a translation or source mismatch, send the page URL and the relevant sentence to `hello@interest.sg`.

Email `hello@interest.sg` with the tool/page, the source or effective date shown, the input that appears problematic and the expected result. Remove personal details. For an account or security problem, use `support@interest.sg`; for a privacy request, use `privacy@interest.sg`.