FI Vault

Income & spending for the two of us
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Swipe left or right to change period
Left over this month
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Budgets

Savings goals

Money you put into a fund (Savings & investments) counts toward its goal.

Trend

Tap a bar to see the amount.

Show as table

Where the money went

▲ / ▼ compares with the previous period. Tap a category to see its entries.

Who spent it

Joint = shared household costs

Income by source

Salary, bonus and other money in

Entries

Tap any entry to edit or delete it.

Money in

Money out

Investment payouts

Expected this month from your investments. Key in what actually came in.

Insurance due this month

From your policies in Wallet. Policies paid by MediSave / CPF aren't listed here.

Saved & invested

Money you put aside — not counted as spending.

Credit card bills

Key in each card's statement amount. Tick “Paid” if you've paid it.

In – · Out –
Left over –

Family net worth

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💳 Card debt now
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⏰ Due in 14 days
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🏦 In the bank
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🧾 Card spend this month
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Payments due

Pay the full statement to avoid interest. Tap “Paid” once you've paid.

Credit cards

Tap a card to see every purchase, payments and settings.

Bank accounts

What each account is for. Balances are optional — update them when you check your bank app.

Zakat on savings

Worked out per person — zakat is each spouse's own duty. Joint accounts are split 50/50. Tap a name to check what's counted.

Kids' own money

Money that belongs to each child — in their CDA, the bank account you opened for them, or a trust pot you hold for them. Kept separate from household money, so it never counts as your income or spending.

My investments

Vending machines, livestock, property, business shares… See how much has come back and when you break even.

Investment platforms

StashAway, Syfe, Endowus, moomoo, Tiger, Webull… What you put in, what it's worth now, and your gain or loss.

Insurance policies

Every policy, who it covers, what it costs and when it's due. Tap a policy to edit.

How you paid this month

Spending split by card, account and cash.

🔒 Only the last 4 digits are stored — never full card or account numbers.

How to use this

A quick guide. You can replay the welcome tour any time.

🧭 Getting around

  • Home – your summary for a day, month or year.
  • Entries – every item, with search and filters.
  • + – add income or an expense.
  • Cards – your credit cards, bank accounts and what's due.
  • Trends – graphs of growth or decline over months.
  • ? (top right) – this help page.

📅 Changing the period

  • Pick Day / Month / Year at the top of Home.
  • Tap ‹ › or swipe left/right to go back or forward.
  • Tap the date in the middle to jump back to today.

➕ Adding an entry

  • Tap +, choose Expense or Income, type the amount, pick a category.
  • Choose whose it is: you, your husband, or Joint for shared bills.
  • You only need this for extra, one-off items. Regular items go in the monthly update.

💳 Credit cards & bank accounts

  • Open Cards and add each card with its statement day, due day and limit.
  • Add bank accounts with their type and purpose (salary, bills, emergency fund…).
  • When adding an expense, choose Paid with — the card's bill updates by itself.
  • When you pay a card, tap Paid in “Payments due”. Card payments aren't counted as spending again.

📝 The monthly update (the easy way)

  • Once: key in your usual amounts — salary, rent, utilities, phone, groceries, each card's bill.
  • End of every month: tap the big blue Update button on Home.
  • Each item already shows the usual amount. Tap Same if it didn't change, or type the real amount.
  • Tap Save. That's it — charts and totals update by themselves.
  • You can come back and change a month any time.

👵 Easier to read

  • Tap AA at the top to make the text bigger.
  • Turn on Simple home screen below to hide the charts and keep only the essentials.

🧾 Salary, CPF & MBMF

  • Key in salary as gross (before deductions). The app works out your CPF and MBMF and shows take-home.
  • Set each person's age group and whether CPF / MBMF applies under Salary after CPF & MBMF → Settings on Home.
  • If your payslip shows different numbers, type them in the payslip box when adding the salary.
  • Home also shows where your CPF goes — Ordinary (OA), Special (SA, or Retirement RA from 55) and MediSave (MA). Pick your exact age in Settings so the split matches your age.

📈 Investments

  • Add each one in Wallet → My investments: amount invested, how often it pays, expected payout, and for how long (2 years, 5 years, lifetime…).
  • Expected payouts appear in each monthly update — key in what actually came (0 if nothing).
  • Each investment shows how much has come back, % recovered, expected break-even date, and whether it's on track.

🇸🇬 Government payouts

  • Heard about a payout (Assurance Package, GST Voucher, CDC vouchers…)? Add it as Income → Government payout and tick Not received yet.
  • Home reminds you when it's due. Tap Received when the money arrives.
  • The app can't check government websites by itself — check your eligibility on the Singpass app or official sites.

📊 Investment platforms

  • Wallet → Investment platforms: add StashAway, Syfe, Endowus, moomoo, Tiger, Webull… with whose it is and where the money came from (cash, SRS, CPF).
  • Tap + Deposit / − Withdraw when you move money. Cash deposits can also be logged as Saved & invested in one go.
  • Every month or so, tap ✎ Update values and key in what each app shows. Gain = value − what you put in. Values feed into net worth.

🛡️ Insurance policies

  • Add each policy in Wallet: type, who it covers, premium, how often, next due date and how it's paid.
  • Policies due in a month appear automatically in that month's update — no need to add insurance as a usual item.
  • MediSave / CPF-paid policies (e.g. Integrated Shield base) are tracked but not counted as cash spending.

🏷️ Categories & shops

  • Pick a category first (e.g. Shopping), then optionally where: Shopee, Lazada, TikTok Shop, Temu…
  • Food: GrabFood, Foodpanda, hawker… Transport: Grab, MRT, petrol, ERP…
  • Saved & invested (savings, stocks, CPF top-ups) is shown separately — it's not counted as spending.
  • Need something else? Tap + New in the category grid to create your own.
  • “Top shops & apps” on Home shows where the money really went.

✏️ Fixing mistakes

  • Tap any entry to edit it. Delete is inside the edit screen.
  • Just deleted something by accident? Tap Undo on the pop-up.

📈 Reading the graphs

  • Tap or slide your finger across any graph to see exact amounts.
  • ▲ green = good (more income/savings, less spending). ▲ red = spending went up.
  • Every graph has a Show as table option if you prefer numbers.

🎯 Goals & budgets

  • Budgets (Home → ✏️ Set): a monthly limit per category. Bars turn amber at 80% and red when over; the thin line shows how far through the month you are.
  • Savings goals (Home → + Goal): Emergency fund sizes itself to months of spending. Log deposits as Savings & investments → that fund, or tap + Add money.
  • Event budgets (Trends → 🌙): plan Ramadan & Raya, Qurban, school year or a holiday. When adding an expense in that period, tap the event under “Part of an event?”.

🧒 Kids

  • Wallet → Kids' own money: each child's money in CDA, bank account or trust pot — kept separate from yours.
  • Tag household expenses with a child's name (“For a child?”) to see what you spend on each child.
  • Policies covering a child show on their card.
  • Child Credits: add each child's birthday — S$2,000 a year (age 1–16) shows as due and goes into their own money.
  • CDA matching: log deposits into the CDA pot; the card shows how much more can be matched (set the cap on the child).

🧾 Income tax, CPF top-ups & SRS

  • Trends → Income tax & reliefs estimates each person's tax from salary entries (full-year estimate for this year). Income in 2026 is taxed in YA 2027.
  • Log top-ups as Savings & investments → CPF top-up or MediSave top-up (own, S$8,000 cap shared), CPF top-up (family) (another S$8,000), or SRS (S$15,300) — under the person who paid.
  • The bars show how much relief room is left. From November, Home reminds you before the 31 Dec deadline.
  • Add rental/freelance income, other reliefs and rebates with ✏️ Other income & reliefs. All reliefs together are capped at S$80,000.

🤲 Zakat & net worth

  • Wallet → Zakat on savings: set the nisab from zakat.sg once, then each person's zakat is worked out from their balances. Tap ✓ Paid to log it.
  • Family net worth (top of Wallet) is saved automatically each month — keep bank balances up to date for an accurate trend.
  • Trends → Year in review and Who pays what give the big picture.

🙈 Privacy & backup

  • Tap the 👁 at the top to hide all amounts in public. Tap again to show.
  • Backup & move (bottom of this page): export everything as one file once a month. Home reminds you.

👫 Sharing with your husband

  • Add his Google email under Settings → Who can open this vault. He opens the same web address, signs in, and lands in the same vault.
  • Rename “Husband” below so the labels show his name.

Settings

Backup & move

Save everything — entries, cards, goals, kids' money, zakat settings — as one file. Keep it as a backup, or import it into another copy of this app.

Add entry

S$

My usual monthly items

Key in your normal monthly amount. Leave blank anything that doesn't apply. You'll confirm the real amount at the end of each month.

Your items
Suggestions — fill in what applies
+ Add my own item

CPF & MBMF settings

Used to work out take-home pay from gross salary.

Rates used
CPF (Citizens & 3rd-year+ PRs, wages above S$750): employee 20% / employer 17% up to 55; above 55–60: 18% / 16% in 2026, 19% / 16.5% from Jan 2027; above 60–65: 12.5% / 12.5% in 2026, 13% / 13% from Jan 2027; 7.5% / 9% above 65–70; 5% / 7.5% above 70. Each salary uses the rates for its own month. Ordinary Wage ceiling S$8,000 a month.

Where it goes (you + employer, % of wage; OA / SA or RA / MA): 35 and below 23 / 6 / 8 · above 35–45 21 / 7 / 9 · above 45–50 19 / 8 / 10 · above 50–55 15 / 11.5 / 10.5 · above 55–60 12 / 11.5 / 10.5 (RA 13 from 2027) · above 60–65 3.5 / 11 / 10.5 (RA 12 from 2027) · above 65–70 1 / 5 / 10.5 · above 70 1 / 1 / 10.5. From 55 the SA is closed, so that share goes to the RA.

MBMF (fixed monthly, by total wages): ≤S$1,000 $3 · to $2,000 $4.50 · to $3,000 $6.50 · to $4,000 $15 · to $6,000 $19.50 · to $8,000 $22 · to $10,000 $24 · above $26.

Rates for 1st/2nd-year PRs aren't included — override on the payslip box if needed.

Add investment

Payouts

New event budget

Monthly budgets

A monthly limit for the household (both of you together). Leave blank for no limit.

New savings goal

Log a deposit as Spent → Savings & investments → this fund, or tap + Add money on the goal.
“Already saved” = the fund's balance today. Update it any time you take money out — new deposits are added on top.

Zakat

Use the current nisab published by zakat.sg (Muis). It moves with the gold price, so update it each time you pay.
Nisab = 85 g of gold × price per gram.
The date your savings first reached nisab, then once every Hijri year (~354 days).
Counted
Not in the app — add if you have
💍
Gold & jewellery kept as savings
Current value
💵
Cash at home
🤝
Money others owe you
That you expect back
➕
Other savings
➖
Other debts due now
Deducted

Muis counts the lowest balance held through the year — if a balance dipped, type the lower amount. Your child's own money isn't included; ask an asatizah if unsure about any item.

Add child

Most the government will match in the CDA. Becomes S$5,000 for every child (born 2015 onwards) from 1 Oct 2027.

Add platform

Total deposits minus withdrawals, and today's value from the app. You can add each deposit later instead.

Deposit

S$

Update values

Key in what each platform shows today (in S$). Leave blank to skip.

Other income & reliefs

Salary and bonus come from your entries automatically.
Parent, child (QCR / WMCR), spouse, course fees, NSman… Earned income, CPF, CPF top-up and SRS relief are worked out for you.
e.g. Parenthood Tax Rebate.

Spent on them by you
Insurance cover

Money in

S$

Add insurance policy

Add card

Current balance before tracking here

Record card payment

S$