Savings & investment calculators
Six tools covering compound growth, investment returns, inflation and government-backed yields — with T-bill, SSB and SGS figures from MAS auctions and issues.
Updated to the 22 October 2026 T-bill auction Source: MAS each figure dated beside it
Government-backed rates · latest MAS data
Find a tool by situation
Savings questions change with the goal and the horizon — pick your situation to see the tools that apply.
Starting a savings habit
Regular deposits compound over time, and the effect scales with the rate and the term. Government-backed options accept small amounts — SSB applications start at SGD 500.
What each tool tells you
Inputs and outputs for the six savings and investment tools. Rate references require no inputs.
| Tool | Type | You provide | The result |
|---|---|---|---|
| Compound Interest Calculator | CALCULATOR | Starting amount, regular deposit, rate and term | Projected balance, split between deposits and interest earned |
| ROI Calculator | CALCULATOR | Amount invested, final value and holding period | Total and annualised return on investment |
| Inflation Calculator | CALCULATOR | An amount and two years | Equivalent purchasing power, based on Singapore CPI |
| T-bill Rate | REFERENCE | — | Latest 6-month and 1-year cut-off yields with auction history |
| SSB Rate | REFERENCE | — | Current issue's yearly step-up schedule and 10-year average return |
| SGS Bond Rate | REFERENCE | — | Benchmark SGS yields across maturities from 2 to 50 years |
Swipe sideways for more columns →
Rate references reflect the latest MAS auction results and issue announcements; each figure carries its auction or issue date. Yields change with each auction and issue.
Government-backed rates at a glance
Current figures for the three Singapore Government-backed instruments the rate pages track.
| Figure | Value | Applies to |
|---|---|---|
| 6-month T-bill cut-off yield | 1.95% p.a. | Auction of 22 October 2026 (BS26121N) |
| 1-year T-bill cut-off yield | 1.92% p.a. | Auction of 15 October 2026 (BY26103X) |
| SSB first-year rate | 1.67% p.a. | November 2026 issue (SBNOV26) |
| SSB 10-year average return | 2.45% p.a. | November 2026 issue, held to maturity |
| SSB minimum · individual limit | SGD 500 · SGD 200,000 | Per application · across all issues held |
| T-bill minimum investment | SGD 1,000 | In multiples of SGD 1,000 |
| SGS bond maturities | 2 to 50 years | Fixed semi-annual coupons, tradable on SGX |
Swipe sideways for more columns →
Source: Monetary Authority of Singapore; each figure is dated by its auction or issue. Cut-off yields are set at each auction; SSB rates are announced monthly.
Frequently asked questions
Common questions across the Singapore savings and investment tools. Detailed FAQs are on each tool's page.
What is the difference between a T-bill and a Singapore Savings Bond?
T-bills run for 6 or 12 months, are sold at a discount through auction and repay face value at maturity, with early exit only via the secondary market. SSBs run for up to 10 years with rates that step up each year, and can be redeemed in any month at par with accrued interest. Current figures for both are on the T-bill Rate and SSB Rate pages.
What is the latest 6-month T-bill yield?
The cut-off yield for the 6-month T-bill was 1.95% p.a. at the auction on 22 Oct 2026, as published by MAS. The most recent 1-year T-bill cut-off yield was 1.92% p.a., set at the auction on 15 October 2026. Auction history is on the T-bill Rate page.
What is the current SSB rate?
The November 2026 issue (SBNOV26) pays 1.67% in the first year, stepping up yearly to a 10-year average of 2.45% if held to maturity. Rates for each new issue are announced by MAS on the first business day of the month. The full step-up schedule is on the SSB Rate page.
Can Singapore Savings Bonds be redeemed early?
Yes. Redemption requests can be submitted in any month, and the full amount plus accrued interest is paid by the second business day of the following month. There is no penalty for early redemption, which distinguishes SSBs from T-bills and SGS bonds.
How much can be invested in Singapore Savings Bonds?
Applications start at SGD 500, in multiples of SGD 500, up to an individual limit of SGD 200,000 across all issues held. Applications can be made with cash or SRS funds. Allotment may be scaled back when an issue is oversubscribed.
How does compound interest work?
Interest is earned on both the principal and previously earned interest, so a balance grows faster the longer it compounds. The effect scales with the rate, the compounding frequency and the term. Use the Compound Interest Calculator to project a balance from a starting amount and regular deposits.
What is annualised ROI?
Annualised ROI converts a total return into the equivalent yearly rate, accounting for the holding period. A 20% total return over five years is roughly 3.7% per year annualised — not 4% — because compounding is factored in. Use the ROI Calculator to compare returns over different periods on a like-for-like basis.
How is inflation measured in Singapore?
Inflation is measured by the Consumer Price Index, published monthly by the Singapore Department of Statistics, with MAS core inflation excluding accommodation and private transport. The Inflation Calculator uses historical CPI to convert an amount between two years. A return below the inflation rate represents a decline in purchasing power.
Important disclaimer
For educational and informational purposes only. The tools listed on this page produce estimates based on the inputs provided and do not constitute financial or investment advice. Figures shown here reflect the latest MAS auction results and issue announcements, each dated beside the figure.
Yields change. T-bill cut-off yields are set at each auction and SSB rates are announced monthly, so the figures above apply only to the auction or issue named. Past yields are not an indicator of future yields. SGS bond prices move with market rates, so a bond sold before maturity may realise more or less than its face value.
Projections are not forecasts. The compound interest, ROI and inflation calculators apply the rates entered to the periods entered; they do not predict returns, and actual results will differ. Inflation figures are based on historical Singapore CPI published by the Department of Statistics.
No warranty of accuracy. While Money Snap takes reasonable care to source figures from MAS and SingStat, this page is provided "as is" without any express or implied warranty as to accuracy, completeness, timeliness or fitness for any particular purpose.
Verify before acting. Confirm current yields, application windows and limits at mas.gov.sg or with your bank before applying, and seek independent advice from a licensed financial adviser before acting on any figure shown. Use of Money Snap is subject to our Terms of Use.