About Fire Lab
Singapore personal finance tools — fast, transparent, and profile-powered.
What Fire Lab does
Tools designed for Singapore residents planning their financial independence.
Instant estimates
Powered by your Profile + Plan Settings. No repeated form filling.
SG-focused tools
FIRE, tax, CPF, housing, salary benchmarks, investing projections.
Answers first
See results instantly. Adjust assumptions later with 'Refine'.
Data sources
Where our numbers come from. All data is from official Singapore government sources.
Salary Benchmark
Ministry of Manpower (MOM)
Gross monthly income from employment including employer CPF contributions. Covers full-time resident employees.
Tax Calculator
IRAS
Singapore resident tax rates. Does not include one-off rebates or special reliefs. Verify with IRAS when filing.
CPF Calculator
CPF Board
Contribution rates for Singapore Citizens and 3rd-year+ PRs. OW ceiling $8,000/month. Allocation ratios by age group.
Inflation / Cost of Living
SingStat / data.gov.sg
Consumer Price Index (All Items). Monthly updates from Singapore Department of Statistics.
HDB Affordability
HDB / MAS guidelines
MSR cap 30%, LTV up to 80% for HDB loans. Interest rates are assumptions from Plan Settings, not guaranteed rates.
FIRE Calculator
Standard FIRE methodology
Uses 4% safe withdrawal rate (SWR) by default. Returns and inflation from Plan Settings. Simplified projection model.
Portfolio Simulator
Compound growth model
Uses constant expected return from Plan Settings. Does not model volatility, sequence-of-returns risk, or taxes.
Stress Test
Historical crash scenarios
Presets based on GFC, Dotcom, COVID crashes. Recovery patterns are stylized approximations, not exact historical replays.
How estimates work
Understanding the calculation approach.
- Your Profile provides default inputs (income, expenses, assets, age) used across all tools.
- Plan Settings controls assumptions like expected returns, inflation, and safe withdrawal rate.
- Tools use simplified models for estimates. They don't predict the future or account for all real-world factors.
- Results update instantly as you change inputs. Use 'Refine' to adjust assumptions.
Disclaimer
Important information about using Fire Lab.
- All figures are estimates for planning purposes only. This is not financial advice.
- No warranty on accuracy. Data may be outdated. Verify against official sources before making decisions.
- You are solely responsible for your financial decisions. Fire Lab and its creators accept no liability.
- Past performance and historical data do not guarantee future results.
Feedback
Help us improve Fire Lab.
Found a bug? Have a suggestion? Reach out on Reddit or join our Discord.
Your feedback helps build better tools for the Singapore FIRE community.