Tools

The number before the decision.

Cash, duty, notice, and exit floats. Open the one a playbook pointed at.

Cash & housing

First-month cash sketch

Advance rent, deposit, agent fee, IRAS lease duty, and temp housing — the LOI-week cash question.

Lease stamp duty

IRAS tenancy lease duty only — 0.4% of total rent (≤4 years), 4× AAR for longer leases, AAR exemption.

Diplomatic clause notice

Sketch lock-in + written notice dates on a typical 12/24-month TA before you resign or book flights.

Cost of living sketch

Household × housing band estimates in SGD. Treat it as a starting sketch.

Agent commission

Tenancy commission as months of rent, tenant or landlord side, with optional 9% GST.

HDB reno deposit return

Permit deposit refund timing and cash at risk after reinstatement inspection.

Storage months

Temporary storage as monthly band times months, plus insurance and access fees.

Work & money

EP qualifying salary

Age-progressive Employment Pass floors from MOM tables, including the 1 Jan 2027 uplift.

Foreign licence clock

Sketch common foreign-licence windows from arrival or pass issue. Confirm against Traffic Police guidance.

Helper levy final month

Sketch FDW final-month levy for keep-through-month, mid-month cancel, and transfer-out, then check MOM levy tables.

Tax residency days

Count presence days against the 183-day calendar-year test. Built for first-year EP holders and between-jobs gaps.

IPA enter-and-issue window

The common six-month MOM window from IPA letter to entry and issuance, plus extension lead time.

IR21 withhold timeline

Sketch employer tax-clearance windows from a planned last day, and the cash held while you wait.

CPF withdrawal timing

Count backwards from departure across common processing windows so the application starts in time.

FDW levy

Monthly helper levy across concessionary, full, and subsequent-helper bands, times months.

School & family

School deposit clawback

Sketch mid-year deposit forfeiture and remaining tuition cash at risk. Check the school handbook before you act.

School device bond

Sketch iPad / 1:1 device bond return vs damage holds and overdue fees. Ask the school for its current schedule.

School CCA kit bond

Sketch CCA kit / instrument / sports gear bond return vs damage holds and overdue fees. Confirm against the CCA bond form.

School exam / IB deposit

Sketch exam / IB / checkpoint deposit return vs partial holds and late-cancel forfeiture under the exam board refund rules.

School bus last-week float

Sketch last-week bus cash for ride-through, early cancel with notice shortfall, and no-show forfeit, then check the operator terms.

School withdrawal notice

The written-notice deadline from your contract's notice weeks and last-attendance date.

School leavers fee

Core leavers fees, yearbook charges, and optional packs for mid-year exits, with sibling maths.

Tuition centre bond

Bond return vs unused package value, notice fees, and materials holds.