Free tools

Free calculators and a checklist

Small tools that run in your browser, so nothing you type is sent anywhere, and each one shows its formula. To read an actual proposal, use the analyser.

4 tools

Full analysis

Analyser

Analyse My Plan — Benefit Illustration Checker

Upload your Benefit Illustration or investment proposal (PDF, PNG, JPG) and see it broken down on the WealthGraphd Score — five transparent factors, free.

Calculators

Tool

ILP vs SSB Calculator: Find Your Break-Even Return

Free calculator: enter your ILP's expected return and fees against the current SSB rate to see exactly what return it needs to clear to be worth the risk.

Tool

Guaranteed vs Projected Return Gap Calculator

Free calculator: enter your Benefit Illustration's guaranteed and projected figures to see exactly how much of the total isn't guaranteed.

Tool

Policy Surrender Value Impact Calculator

Free calculator: see exactly what surrendering your insurance policy early costs you — in dollars and as a percentage of every premium you’ve paid.

Checklist

Tool

Benefit Illustration Checklist (Printable)

A free, printable 10-point checklist to work through before signing any Singapore insurance savings plan — guarantees, surrender values, riders and rates.