Singapore insurance calculators,
built around real needs.
Use eight connected insurance calculators, all following the same data, consent and official-source standards.
Insurance Coverage Gap Calculator
One engine, two separate results: Life/TPD needs and critical-illness recovery cash.
- Quick and detailed modes use the same formulas
- DPS is counted only after confirmation
- Liquid assets are excluded by default
- MoneySense multiples remain a separate comparison
IP Rider Out-of-Pocket Scenario Calculator
Separate the deductible, co-payment and remaining annual cap using the official 2026 minimum design or policy terms you verified.
- Uses only the eligible-bill amount entered by the user
- Applies the annual cap only when its conditions are assumed met
- Does not estimate an insurer payout or final cash payment
HPS & Mortgage Coverage Gap Calculator
Put the current mortgage, each owner's payment responsibility, confirmed HPS and explicitly selected private mortgage cover on one timeline.
- Models one owner at a time instead of treating all cover as a simultaneous claim
- Excludes HPS from private-property scenarios
- Flags age 65, cover expiry and share mismatches
- Does not calculate premiums or decide eligibility, exemption or claims
CareShield Life Payout & Care Shortfall Calculator
Put the official 2026–2030 monthly payout, age-67 freeze rule, care budget and explicitly selected support in one scenario.
- Counts a CareShield payout only when cover is confirmed
- Shows the payout-table year applied to the selected cohort
- Collects no health, ADL or claim information
- Does not assess eligibility, premiums, supplements or products
Insurance Premium Budget & Affordability Calculator
Convert premiums already known by the user into monthly and annual amounts, separate cash and MediSave funding, and compare confirmed protection premiums neutrally with the MoneySense planning reference.
- Does not quote or estimate insurer premiums
- Never auto-splits an unconfirmed bundled amount
- Uses 15% only as a general planning reference, not a suitability test
- Includes a renewal timeline and user-entered stress scenario
Disability Income Gap & Emergency Runway Calculator
Build a month-by-month income-interruption ledger for employees, self-employed persons and platform workers, counting only user-confirmed support and selected reserves.
- Separates gaps before, during and after the benefit window
- Excludes unconfirmed benefits and other support from available resources
- Shows first reserve-exhaustion month, cumulative gap and sensitivity
- Collects no health, diagnosis, occupation-underwriting or claim data
Home & Contents Sum Insured Calculator
Total user-entered replacement amounts from an inventory while keeping the building, renovations, movable contents and personal belongings distinct in owner and tenant modes.
- Uses the verified simplified GIA replacement-cost method for landed homes
- Requires explicit responsibility confirmation before counting an HDB or strata building amount
- Provides a downloadable inventory and user-controlled sensitivity
- Provides no quotes, product ranking or adequacy judgment
Integrated Shield Plan Lifetime Affordability Explorer
Project the MediShield Life, private IP and optional rider premiums in your own records through working and retirement years using your growth assumptions or age-band schedule.
- Uses only premiums and future changes entered by the user
- Applies official Additional Withdrawal Limits by age next birthday
- Optionally models an entered MediSave balance and net inflow
- Does not compare, rank, quote or recommend insurers or plans