SUM ACADEMY
Plan your money, the Singapore way.
How financial planners in Singapore build a plan, one layer at a time, and short guidebooks for the big moments.
Curated by the MAS-licensed financial planners on the Sum team.
Built from the ground up
The four layers
Layer 1 of 4FoundationCash for emergencies, cover for the worst, CPF and safe income.Layer 2 of 4Wealth and lifestyleGrowing money towards the life you want, and what you leave behind.Layer 3 of 4Tax planningReliefs that lower your tax, and income Singapore doesn't tax.Layer 4 of 4Estate planningWho decides for you if you can't, and who gets what you leave.
Guidebooks
What will you leave your family?A calm list for the people you love: what you own, who looks after it, and who it goes to.Buying an HDB flat?Grants, loans and how much CPF can carry, before you pick a flat.Who covers you when you get injured or fall sick?What each kind of cover does, and what yours looks like in Sum.Getting married?Money moves for two: a home, a will, nominations and one picture of it all.Congrats on landing your first job! Now what?Your first pay, your CPF and a few habits that last.
Where take-home pay goes
- Save and investAbout 25%
- Insurance10 to 15%
- Home loanUp to 30%
- Everyday livingThe rest
A rule of thumb many Singapore planners use, not a rule you must follow.
See it with your own numbers.
In the Sum app, each guide sits beside your accounts, CPF and policies.
General information on how plans are built in Singapore, not advice for your situation. A licensed financial adviser can look at yours. Figures for 2026.