The 50/30/20 Rule, Adapted for Singapore Salaries
Most budgeting templates ignore CPF. Here is how I help clients split their take-home pay so saving happens automatically instead of at the end of the month.
- Work off take-home pay after CPF, not gross salary
- Automate a standing instruction on payday, not payday+20
- Keep 3–6 months of expenses in a separate high-yield account
