About WealthKaki
WealthKaki exists because I learned the expensive way that trusting experts is not the same as understanding what your money is actually doing.
Built and maintained by Gokul
Builds WealthKaki calculators and maintains the Singapore CPF, HDB, SRS, tax, and insurance assumptions used across the site.
I built WealthKaki after getting frustrated with how hard it was to inspect Singapore money decisions across CPF, HDB, SRS, tax, insurance, and long-term investing in one place. The goal is practical financial education: transparent calculators, plain-English assumptions, and links back to official sources where the rules come from.
You can find my professional profile on LinkedIn.
The story behind WealthKaki
WealthKaki started from a simple gap I kept running into: Singapore money decisions are full of moving parts, but most tools explain only one slice at a time.
A housing decision is not just a property question. It can affect CPF OA, cash buffer, loan tenure, grants, insurance needs, and how much room you still have to invest. A retirement decision is not just a target number. It depends on CPF balances, SRS, tax, spending, investment returns, and the age where each rule starts to matter.
I wanted a place where those assumptions were easier to see, test, and question. Not a black-box recommendation, and not generic advice copied from another market, but a set of practical Singapore-focused calculators that show the working behind the answer.
The name WealthKaki reflects that idea. It is meant to feel like a financially literate friend sitting beside you, helping you run the numbers before you commit to a major decision.
The site is still intentionally educational. It does not replace licensed advice, and it cannot know every detail of a person’s life. What it can do is make the baseline math, policy references, and trade-offs clearer so users can ask better questions and make more informed decisions.
That is the product philosophy behind WealthKaki: make the numbers inspectable, make the assumptions visible, and help Singaporeans understand the trade-offs before money is on the line.
Why neutral planning matters
A lot of financial planning help is useful, but not always neutral. The person or platform giving the answer may also be rewarded when you buy a particular policy, fund, loan, platform, or subscription.
Commission-led advice
Some planners are paid through product commissions, so the conversation can tilt toward what can be sold instead of what should be left alone.
Product-tied platforms
Banks, insurers, brokers, and robo platforms often make planning feel complete while keeping the solution inside their own product shelf.
Generic overseas rules
Many calculators ignore Singapore realities like CPF, HDB, SRS, stamp duties, local tax brackets, and the timing of withdrawals.
Black-box recommendations
A polished score or recommendation is not enough if users cannot inspect the assumptions, stress-test the numbers, or see what changed the result.
WealthKaki is built as a counterweight to those incentives: show the math, expose the assumptions, avoid product kickbacks, and help users compare trade-offs before speaking to a professional or committing money.
Data Integrity
- CPF assumptions are checked against public CPF Board frameworks and rates.
- Tax calculations are maintained against IRAS personal income tax and SRS rules.
- HDB affordability and grant content links back to HDB eligibility references.
- Material assumptions are shown in the calculators so users can challenge them.
Business Model
WealthKaki is supported by its product roadmap, including premium planning features. We do not sell user data, and we do not accept commissions, kickbacks, or referral payments from financial institutions to push specific insurance or investment products.
See premium featuresPrivacy and Security
Financial profile inputs can include sensitive details such as income, CPF balances, assets, liabilities, and goals. WealthKaki uses encryption in transit and at rest, and restricts access to authorized systems and personnel.
Read the privacy policyAdvice Boundary
WealthKaki provides educational information and general guidance. It does not replace advice from a licensed financial adviser, tax professional, or legal professional. For decisions involving CPF, HDB purchases, tax, insurance, or investments, verify your situation with the relevant agency or a qualified professional.
Read the full disclaimerOfficial References
Where a calculator depends on Singapore-specific CPF, HDB, tax, labour, or financial education rules, WealthKaki maintains its assumptions against official public frameworks and links back to those references for verification.