About SRS.SG
SRS.SG is an independent education site for Singapore's Supplementary Retirement Scheme and for retirement planning more broadly. We publish plain-English guides, build free calculators, and give away will writing — so that anyone can understand what the scheme offers before deciding what to do with their money.
The Supplementary Retirement Scheme itself is a voluntary savings scheme that complements the CPF, offering tax relief on contributions and tax concessions on withdrawals. It is administered by the Ministry of Finance and operated by the three local banks.
Looking to open or log in to an SRS account?
SRS accounts are held with the three local banks, and they are the only ones who can open one, take your contributions or show you a balance. Start with whichever you bank with.
- DBS
- OCBC
- UOB
What you will find here is the education around it: how the scheme works, what it does to your tax, and how it fits into a retirement plan.
What we offer, free
Everything on this site is free to use. No account, no paywall.
Income Tax Calculator
See what an SRS contribution does to your income tax for the current Year of Assessment, using the IRAS rate table.
Calculate your tax savings →Retirement Calculator
Five inputs estimate what your lifestyle will cost by the time you retire, and the monthly saving that gets you there.
Estimate your retirement →Will Writing — free
A guided will, written for Singapore law, done in about ten minutes. Elsewhere this costs S$139 to S$300.
Start your free will →Plus articles on SRS and Retirement and answers to common SRS questions.
How this stays free
If you want help beyond what a calculator can give, we can introduce you to a licensed financial adviser from our panel — but only if you ask. SRS.SG does not receive commissions or referral fees, and nothing on this site is financial advice. The tools and articles are for education; decisions about your money deserve a licensed professional who knows your situation.
Work with us
We collaborate with content creators, financial practitioners, government agencies and educational platforms on:
- Guest posting and editorial contributions
- Public seminars and workshops
- Corporate engagement for employees and leaders