Karui is a free AI-powered financial planning tool built specifically for Singapore. It connects your CPF, property, tax, SRS, and investments into one intelligent dashboard and runs Monte Carlo simulations to show your real probability of a comfortable retirement.

Is Karui free to use?

Yes. Core features including CPF planning, tax optimisation, SRS strategy, investment portfolio, property modeling, healthcare projections, and the financial wellness scorecard are free forever. Pro features like the AI Coach, FIRE calculator, and scenario comparison are available for a one-time payment of S$149.

How is Karui different from other financial calculators?

Karui is built specifically for Singapore's financial system. It models CPF LIFE payouts, ABSD/BSD stamp duty, SRS tax spreads, WMCR eligibility, MediShield Life premiums, and Bala's curve for leasehold properties — all connected so changing one input shows the ripple effect across your entire financial plan.

Is my financial data safe with Karui?

Yes. All calculations run in your browser — your financial data never leaves your device. Karui does not use third-party analytics or advertising trackers. Authentication is handled by Supabase with encrypted storage.

31 March 2026 · 7 min read

MyMoneySense Shut Down — Here's What to Use Instead

MyMoneySense, the government-backed financial planning tool, ceased operations on 31 December 2025. If you relied on it — or never got around to trying it — here's what happened, what it means, and where to go from here.

What happened to MyMoneySense?

MyMoneySense (mymoneysense.gov.sg) was a digital financial planning service launched in 2020 by the Ministry of Manpower (MOM) and GovTech. It let Singaporeans log in via SingPass to get a snapshot of their financial health — CPF projections, a retirement readiness score, and basic recommendations.

On 31 December 2025, the service officially ceased operations. The domain (mymoneysense.gov.sg) no longer resolves — it's completely offline, not even a redirect. The similarly named MoneySense (moneysense.gov.sg) is a separate MAS-run financial literacy portal that publishes articles and guides — it is not a planning tool and cannot generate personalised projections.

What MyMoneySense offered

CPF projections — estimated CPF balances at retirement based on your actual contribution history
Retirement readiness score — a single number summarising whether you were on track
Basic financial health check — insurance coverage, emergency fund adequacy, and debt ratios
SingPass integration — pulled real data from government systems so you didn't have to enter everything manually

It was genuinely useful — the SingPass integration alone made it the most convenient way to get a quick financial health check in Singapore.

The gap it leaves

With MyMoneySense gone, there is no comprehensive, Singapore-specific financial planning tool available to the public. Here's what's left:

CPF Board's Retirement Planning Service (launched July 2025) — useful, but focused exclusively on CPF. It doesn't cover SRS, investments, tax, property, or other aspects of your financial picture.
Generic international tools (Empower, Projection Lab, etc.) — built for US/UK financial systems. They don't understand CPF, SRS, BTO, HDB, MediShield Life, or Singapore's progressive tax brackets.
Spreadsheets — the fallback option. Time-consuming to build and maintain, easy to get wrong, and difficult to model compounding interactions between CPF, SRS, tax, and investments.

Introducing Karui — a free financial planner built for Singapore

Karui was built to fill exactly this gap. It's a free financial planning tool designed from the ground up for Singapore residents — by a Singaporean who wanted something better than a spreadsheet.

Here's what it covers:

CPF projections — OA, SA, MA balances with 2026 contribution rates, BRS/FRS/ERS targets, and CPF LIFE payout estimates
SRS optimisation — contribution cap tracking, tax savings calculations, withdrawal planning with 50% inclusion rate modelling
Tax planning — Singapore's full progressive bracket system, all IRAS reliefs, marginal rate insights, and multi-year projections
Investment projections — portfolio growth modelling with inflation adjustment
FIRE calculator — financial independence projections calibrated for Singapore's cost of living
Monte Carlo simulations — 10,000 scenarios to give you a probability of retirement success, not just a single estimate

No SingPass login required. No credit card. All calculations run in your browser.

What Karui does that MyMoneySense didn't

MyMoneySense was a solid starting point, but it had limitations. Karui goes further in several areas:

AI Coach — an AI financial coach that explains your numbers in plain English, identifies optimisation opportunities, and answers questions about your specific situation
What-If Scenarios — compare up to three financial scenarios side by side. "What if I max out SRS?" "What if I delay retirement by 2 years?" See the impact instantly.
Monte Carlo simulations — MyMoneySense gave you a single projection line. Karui runs 10,000 simulations to show the range of possible outcomes and your probability of success.
Financial Wellness Scorecard — a comprehensive dashboard showing where you stand across savings, insurance, retirement readiness, and debt management
Life Events Impact Analysis — see how every major financial decision (new car, overseas education, property upgrade) affects your retirement timeline through side-by-side scenario comparison

Ready to see your numbers?

Answer a few questions and get your personalised retirement probability in under 2 minutes. Free — no credit card, no SingPass needed.

Try Karui Free →