What could your idle cash earn?
Most of us have money sitting in a savings account earning close to nothing. Here’s what the same amount could earn elsewhere, and what the catch is.
The calculator isn't available right now. It needs JavaScript. You can check each product's rate on its official page:
Estimates, not promises. Rates can change. Not financial advice.
You've changed the amount. Press Show estimates to update these figures.
Rates change every month.
I post when they do, plus what I’m doing with my own idle cash.
Know someone with cash sitting idle?
How to read this
- “Up to” means up to. Most people earn less than the headline rate.
- These aren’t the same thing. Bank deposits are insured, funds aren’t, and government securities work differently again.
- Rates change. Every card shows when I last checked it.
Why I built this
I’m not a financial adviser, just a fellow investor and personal finance enthusiast who wants the best deal in town. Many promotions out there have terms and conditions that can be complicated, so here’s a simple calculator that puts everything in one easy-to-understand view. Every rate here is checked against the provider’s official page, with the date shown. If you enjoy content like this, do follow me on IG and YouTube!
How products are listed
To be listed, a product must be open to Singapore residents, regulated in Singapore, and publish its rate openly. Nobody can pay to be listed or placed higher. Cards are grouped by type and sorted A–Z. Some cards carry a referral link: if you sign up through one, I may earn a fee. Those cards are marked, and otherwise look and sit exactly like the rest.
Estimates use simple interest over 12 months at the rate shown today. Estimates assume today’s rate holds for 12 months. Promo rates usually end sooner; check the end date on each card. Published tiers and caps are applied. Bonus rates assume you meet the stated conditions. No fees, tax or compounding. T-bill assumes rolling over once at the same yield. SSB uses year-1 rate (10-year average shown alongside). Rates can change at any time. For information only, not financial advice.