Free, no-signup tools for finance, government schemes, caregiving and everyday decisions. Built by one person, for everyone.
Plain-English guides on Singapore personal finance, housing, and government schemes.
Each tool is focused on doing one thing well. No clutter, no paywalls, no signups required.
More tools are always in the works based on what BuddyTools users actually need. If there's something that should be simpler, clearer, or just easier to find — suggest it below.
Built out of frustration with overcomplicated tools and paywalls.
Like many of you, I used to spend hours jumping between websites just to get a simple answer.
Whether it was comparing T-Bill rates, figuring out which government schemes I qualify for, understanding what care options are available for an ageing parent, or making sense of information that seemed designed to confuse ordinary people — the answer was always out there somewhere. Just never in one place, and never in plain English.
So I built BuddyTools.
Not because I'm an expert — but because I'm not one. I built the tools I wished existed when I needed them most. Simple, free, and designed for everyday Singaporeans who just want a straight answer without the runaround.
BuddyTools started with financial tools, but the mission is bigger than that. If something is unnecessarily complicated, scattered across a dozen websites, or buried in jargon — there should be a free tool that makes it clearer.
For money. For government schemes. For caregiving. For whatever comes next.
Always free. Always simple.
If there's something that's been bugging you — something that should be simpler, clearer, or just easier to find — tell me about it. I built BuddyTools based on my own frustrations, and I'd love to build the next tool based on yours.
I can't promise to build everything, but if it helps everyday Singaporeans, I'll do my best.
💡 Suggest a Tool →Stuck on something? Tell us about any problem or daily hassle. If it is useful to many, we will build it.
If something is unnecessarily complicated, I want to build a free tool that makes it easier. No ads, no paywalls, no sign-ups — just tools that work.
We're always improving — here's what's changed lately.
LTC subsidy rates corrected to match MOH's age-tiered table — up to 75% for SC, 80% for SC born on/before 31 Dec 1969, 50% for PR (residential care).
CDC Vouchers clarified into three tranches, plus upcoming dates rolled forward (U-Save/CDC Jan 2027, CPF Top-Up Dec 2026).
Q4 2026 SP Group tariff update: 28.59¢/kWh before GST (31.16¢ with GST), down 10.4% from Q3.
New tool: prepare a guide your family can follow if something happens to you — CPF, insurance, bank accounts, property, key contacts. Private, stays on your device.
Updated: 6 new schemes added including Silver Support, Workfare, Majulah, MRSS, MMSS, and Large Families Scheme. All existing amounts verified against govbenefits.gov.sg.
New tool: honest, plain-English guidance on retrenchment packages and realistic career options. Free, no login required.
New tool: navigate palliative care options, financial support, ACP/AMD/LPA, and bereavement help.
New tool: Check if your e-scooter, e-bike or mobility scooter is legal under Singapore's June 2026 LTA rules. For owners, buyers, and delivery riders.
New: Radius-based price trend (250m/500m toggle), block-level trend filtered by flat type, and dataset accuracy improvements.
New: understand what care actually costs before subsidies, palliative care signposting, hospital discharge guidance including the Interim Caregiver Service (ICS), and a "You matter too" section for caregivers.
Updated SP Group tariff rates for Q3 2026. Compare your current plan against the latest retailer offers.
BuddyTools now has full SEO support — every tool page has been optimised so you can find us on Google.