Question 1

What is Karui?

Accepted Answer

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.

Question 2

Is Karui free to use?

Accepted Answer

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.

Question 3

How is Karui different from other financial calculators?

Accepted Answer

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.

Question 4

Is my financial data safe with Karui?

Accepted Answer

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.

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