6PW

Six Pack Wallet

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SECURED ACCESS · SIX PACK WALLET

6PWClient Profile & Capture

Advisor Contact

Client Profile

Personal details & demographics

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Personal Details

Salutation

Full Name

Date of Birth

Gender

Mobile

Email Address

Nationality

Residency Status

Marital Status

Smoker

Employment & Financial Profile

Employment Status

Tax Status

Company / Employer

Nature of Business

Occupation / Job Title

Planning Horizon

Retirement Age

Plan Until Age

No. of Dependants

Children / Dependants

No children added yet.

Estate Planning

Has a Will?

Father Alive?

Mother Alive?

Client has a spouse / partner — capture their details

Income

Active & passive income streams

——

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Assets & Liabilities

Net worth snapshot

——

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Cash & Savings

Cash & Savings

$

CPF Balances

OA Balance

$

SA Balance

$

MediSave

$

CPF Total

$

CPF Nomination

CPF nomination has been done

If no CPF nomination, balance is distributed by Public Trustee — not directly to family

Other Assets

No assets added. Click Add Asset to begin.

Cash & Savings

Cash & Savings

$

CPF Balances

OA Balance

$

SA Balance

$

MediSave

$

CPF Total

$

CPF Nomination

CPF nomination has been done

If no CPF nomination, balance is distributed by Public Trustee — not directly to family

Other Assets

No assets added. Click Add Asset to begin.

Liabilities / Loans

Monthly cash repayment flows into expenses · CPF-OA portion feeds CPF projections

No liabilities added.

Monthly cash repayment flows into expenses · CPF-OA portion feeds CPF projections

No liabilities added.

Total Assets

$0

Total Liabilities

$0

Net Worth

$0

Monthly Loan Cash

$0

Monthly Loan CPF-OA

$0

Monthly Expenses

Household, transport, lifestyle & custom items

———

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ℹ️ Do not enter insurance premiums here — they are captured in the Insurance Portfolio section.

Category	Period	Amount
Household
Tel / Mobile / Internet	/ month
Property Tax	/ year
Home Maintenance	/ month
Utilities (water, electricity, gas)	/ month
Groceries & Marketing	/ month
Maid Levy & Salary	/ month
Rental Expense (if renting)	/ month
Transportation
Road Tax	/ year
Parking	/ month
Petrol	/ month
Vehicle Servicing & Maintenance	/ month
Bus / MRT / Taxi / Grab	/ month
Car Insurance	/ year
Family & Lifestyle
Dependants (school fees, allowances, etc.)	/ month
Lifestyle (dining, entertainment, travel)	/ month
Other Expenses	/ month
Personal
Income Tax	/ year
Clothing & Personal Care	/ month
Medical & Dental	/ month
Gym / Sports & Recreation	/ month
Streaming & Subscriptions	/ month
Education / Self-development	/ month
Charitable Giving / Tithing	/ month

Custom Expense Items

No custom items added.

New Custom Expense

Expense Name

Period

Amount ($)

$

Fixed Expenses (Monthly)

$0

Custom Items (Monthly)

$0

Total Monthly Living Expenses

$0

Total Annual Living Expenses

$0

* Property Tax, Road Tax, Car Insurance and Income Tax are annual amounts ÷ 12 in monthly total. Loan Repayments are tracked separately.

ℹ️ Do not enter insurance premiums here — they are captured in the Insurance Portfolio section.

Category	Period	Amount
Household
Tel / Mobile / Internet	/ month
Property Tax	/ year
Home Maintenance	/ month
Utilities (water, electricity, gas)	/ month
Groceries & Marketing	/ month
Maid Levy & Salary	/ month
Rental Expense (if renting)	/ month
Transportation
Road Tax	/ year
Parking	/ month
Petrol	/ month
Vehicle Servicing & Maintenance	/ month
Bus / MRT / Taxi / Grab	/ month
Car Insurance	/ year
Family & Lifestyle
Dependants (school fees, allowances, etc.)	/ month
Lifestyle (dining, entertainment, travel)	/ month
Other Expenses	/ month
Personal
Income Tax	/ year
Clothing & Personal Care	/ month
Medical & Dental	/ month
Gym / Sports & Recreation	/ month
Streaming & Subscriptions	/ month
Education / Self-development	/ month
Charitable Giving / Tithing	/ month

Custom Expense Items

No custom items added.

New Custom Expense

Expense Name

Period

Amount ($)

$

Insurance Portfolio

Structured policy entry for gap analysis

——

ins_ ▾

⚙ Coverage Recommendation Multipliers

Death / TPD (×)

Critical Illness (×)

Disability Income (% of monthly)

Personal Accident (×)

Multipliers apply to annual income. Changes update the gap analysis in report.

Include income tax in expense-based shortfall calculation

0 policies · annual premium total: $0

No policies added yet.

New Policy

Policy Type

Insurer

Plan Name

Policy Number

Policy Owner Who pays the premiums and owns the policy

Life Assured Names drawn from Client Profile — add client/spouse/children there first

Coverage Breakdown (fill applicable items — leave 0 if not covered)

Death / Life Cover ($)

$

Total & Perm. Disability ($)

$

Early / Pre-CI ($)

$

Late Stage CI ($)

$

Disability Income ($/mth)

$

Hospital Cash ($/day)

$

Personal Accident ($)

$

Other Benefit ($)

$

Premium Amount ($)

$

Premium Frequency

Annual Premium ($) auto-calculated

$

Payment Mode

MediSave / CPF-funded portion ($/yr)

$

Split-funded Shield / CareShield: annual $ paid from MediSave — the remainder is treated as cash. Leave 0 if Payment Mode already covers the whole premium. MediSave caps: Shield AWL $300 / $600 / $900 by age; CareShield Supplement $600/yr.

Policy Start Date

Policy Term WL = Whole Life, or enter years / age

Premium Term WL = Whole Life, enter number of years, or "Fully Paid"

Adjust Rate (% p.a.) Premium inflation rate per year

Notes

Policy Dividend / Maturity Income (leave blank if none)

Dividend Amount ($)

$

Dividend Frequency

Start Date When dividend payments begin

Duration (years) 0 = for life / no end date

Growth Rate (% p.a.) Annual increase in dividend amount

💡 Dividend will be auto-added as income in the Retirement Calculator when data is transferred.

Nomination

Nomination has been done for this policy

Investments

ETFs, bonds, stocks, unit trusts, fixed deposits & more

—

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Client

Age

Retire At

Monthly Salary

CPF OA + SA + MA

Starting Pool @ Retire

CPF Life

Return / Inflation

✎ Edit Inputs

Personal

Client Name

Date of Birth

Age

Retire Age

Plan to Age

Email

CPF Balances

OA ($)

SA ($)

MA ($)

Housing CPF/mth ($)

Housing CPF — Months Remaining

CPF Scheme at 55

Employment Income

Monthly Salary ($)

Bonus (months)

Salary Growth (% p.a.)

Rental Income/mth ($)

Rental Growth (%)

Other Income/mth ($)

Other Income Growth (%)

Liquid Assets at Retirement

Insurance ($)

Investments ($)

Cash / SRS ($)

Others ($)

Monthly Expenses (today $)

Age 55–59

Age 60–64

Age 65–69

Age 70–74

75–79 Living

75–79 Medical

Age 80+ Total

Inflation % p.a.

FUND RETURN (% P.A.)

Table starts at age 55 — shows CPF balances, the retirement sum set-aside, and liquid CPF released to the pool. Expenses are entered in today's dollars and inflated to each future age. CPF Life begins at 65 regardless of retirement age.

Provisions ▼

None — click to add insurance premiums or recurring deductions

Client

Retire Age

CPF Life / mth

Starting Poolat retirement

OA at Retirementliquid into pool

Fund Return

Inflation

Funds Last Until

ℹ

⚠

📊

Cashflow will appear here

Fill in the client details above and click Calculate Cashflow.

The table starts from age 55 — showing the CPF retirement sum set-aside and any liquid CPF released to the pool. Working years are highlighted in teal.

Type directly into the Lump Sum column to instantly model fund injections. Use Provisions above to add recurring deductions like insurance premiums across any age range.

Estate Distribution Analysis

Based on Singapore Intestate Succession Act — updates live from Client Data

Spouse predeceases client

🏦 CPF Pool

—

$0

🛡 Insurance Pool

—

$0

⚖️ Estate Pool

—

$0

Distribution Flow (ISA)

Beneficiary Summary

Property Cash Requirement Calculator

Calculate the total upfront cash and CPF needed for your property purchase, including stamp duties, loan eligibility, TDSR and MSR checks.

ℹ️ Standalone calculator — the income, CPF and loan figures below are entered here only and are not linked to the client profile or cashflow tabs. Values may intentionally differ from the client's saved data.

Use Client Data

Pulls income, CPF OA, cash savings, citizenship, and existing loans from the loaded client file.

Property Being Purchased

Property type

Purchase price (S$)

Bank valuation (S$)

LTV is based on lower of price or valuation

Buyer Profile & ABSD

ABSD (Additional Buyer's Stamp Duty) is charged based on your citizenship and how many residential properties you already own at the time of purchase. Select the number of existing properties before this purchase — that determines your ABSD rate tier.

Buyer citizenship

Co-buyer citizenship (if any)

Existing residential properties owned (before this purchase)

This is your 1st purchase — SC pays 0% ABSD for HDB/EC; PRs pay 5% for any residential.

ABSD rate for this purchase

0%

of purchase price

= S$0

Loan Details

Loan type

HDB loan: 75% LTV, 25% downpayment — 5% cash (mandatory) + 20% payable by CPF OA or cash.

Loan tenure (years)

Max 25 yrs (HDB) / 30 yrs (bank)

Interest rate (% p.a.)

HDB: 2.6% flat. Bank: ~3.2–3.8% (use current offer rate)

Income & Existing Obligations

Monthly gross income (S$)

Co-buyer monthly income (S$)

Existing monthly loan obligations

🚗

Car loan

S$ /mo

💳

Personal loan

S$ /mo

🎓

Study / student loan

S$ /mo

🏠

Existing mortgage

S$ /mo

💰

Credit card

S$ /mo

📋

Other obligations

S$ /mo

Total existing obligations

S$0 / mo

CPF & Cash Savings

Your CPF OA balance (S$)

Co-buyer CPF OA balance (S$)

Your cash savings (S$)

Co-buyer cash savings (S$)

Cash remaining after purchase —

CPF OA can be used for downpayment and stamp duties. Cash savings used to fund any extra voluntary downpayment below.

Loan Sizing

Drag the slider to choose how much loan to take. Slide left to put more cash upfront and reduce the loan. Slide right for the maximum LTV your loan / property / buyer profile allows.

← More cash, less loan Max loan (75% LTV) →

DOWNPAYMENT

S$125,000

25.0%

⇄

LOAN TAKEN

S$375,000

75.0%

Taking maximum loan (75% LTV). Drag left to increase downpayment with extra cash.

Results update in real time

Total cash required upfront

S$0

Downpayment + duties + fees

Loan amount

S$0

at 75% LTV

Monthly instalment

S$0

over 25 yrs

Cash savings remaining

—

after all upfront costs

Total interest payable

—

over full loan tenure

Scenario Comparison

Save up to 4 property scenarios from the calculator above and compare them side by side.

No scenarios saved yet Configure a property in the calculator above, then click "Save current scenario" to add it here.
You can save up to 4 different properties to compare side by side.

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