Monthly Investment Calculator — Singapore
See how a monthly investment grows over time at Singapore's historical returns. No signup, no account needed.
Enter a monthly amount, a return rate between 0% and 100%, and a duration above zero (up to 50 years) to see results.
Where to invest in Singapore
STI long-term ≈ 5–7%. Most Singaporeans use global ETFs (VWRA, CSPX) via Endowus, SYFE, Interactive Brokers. CPF SA earns 4%/yr guaranteed.
Returns are long-term historical averages, not guarantees - markets fall as well as rise. Invest for the long term and diversify.
The power of compounding
Investing $600 per month for 15 years at 7% p.a.:
- Future value: $191,287
- Total invested: $108,000
- Estimated gains: $83,287
That is roughly 1.8× your money - most of it from compounding. Scale the $600 to your own monthly amount, and remember that starting earlier matters more than investing more.
How to start - and stay - invested in Singapore
- Automate a fixed monthly amount so you invest through good months and bad.
- Start small; you can raise the amount as your income grows.
- Favour low-cost, diversified funds over picking individual stocks.
- Stay invested through market dips - time in the market beats timing the market.
A real-data rate check: long-term returns in Singapore (2026)
According to State Street Global Advisors' official fund factsheet for the SPDR® Straits Times Index ETF (SGX: ES3), dated 31 July 2026, the fund has delivered an annualised return of 8.56% since its inception on 11 April 2002 (the underlying Straits Times Index returned 8.75% annualised over the same 24-year window). A second, independent snapshot from Dr Wealth (data as of 31 May 2026) put the same ETF's since-inception annualised return at 8.12%.
Both figures are boosted by an unusually strong Singapore equity rally through 2025–2026 (the SSGA factsheet shows a 39.73% 1-year return as of July 2026), which is well above what investors should expect to persist. Because SIP projections are meant to reflect a realistic multi-decade average rather than a recent hot streak, this calculator keeps its assumption at a more conservative 7% per year for a diversified Singapore equity investment.
A more realistic example: investing SGD 500 per month for 20 years at 7% per year (compounded monthly) grows to approximately SGD 261,983 — from SGD 120,000 in total contributions, that is roughly SGD 141,983 in investment growth. Over a shorter 15-year horizon, the same SGD 500 monthly contribution would grow to approximately SGD 159,406.
Frequently Asked Questions
How does a monthly investment work in Singapore?
You invest a fixed amount each month into funds or an index. You buy more units when prices are low and fewer when high (cost averaging), and returns compound over time.
What return can I expect in Singapore?
Long-term historical equity returns are around 7% per year here, though any single year can be sharply up or down. STI long-term ≈ 5–7%. Most Singaporeans use global ETFs (VWRA, CSPX) via Endowus, SYFE, Interactive Brokers. CPF SA earns 4%/yr guaranteed.
How much do I need to start investing in Singapore?
Most platforms let you start small and increase later. Setting up an automatic monthly investment builds discipline and smooths out market timing.
Should I invest a lump sum or monthly in Singapore?
Investing monthly spreads your entry across market ups and downs (cost averaging) and is easier to budget. A lump sum can do better in a steadily rising market but carries more timing risk.
Is investing better than a fixed deposit in Singapore?
Investing targets higher long-term growth but carries market risk; fixed deposits are safer but usually return less. Many people hold both, matched to their time horizon.
Are investment gains taxed in Singapore?
Singapore has no capital gains tax, so investment gains earned by individuals are not taxed; Singapore also operates a territorial tax system, so most foreign-sourced investment income is not taxable for individuals either.
Is 7% per year a realistic assumption for a Singapore SIP?
Yes, and it is on the conservative side. The official SPDR Straits Times Index ETF (ES3) factsheet from State Street Global Advisors (as of 31 July 2026) shows an 8.56% annualised return since the fund's inception in April 2002, and a separate Dr Wealth data snapshot (31 May 2026) shows 8.12% annualised over the same period. This calculator's 7% assumption sits below both figures to account for the fact that recent years (2025-2026) saw an unusually strong rally that is unlikely to repeat every year.
Where do the Singapore return figures come from?
They come from State Street Global Advisors' official SPDR Straits Times Index ETF (ES3) fund factsheet (dated 31 July 2026) and a Dr Wealth STI ETF returns summary (data as of 31 May 2026).
Should I use the CPF Investment Scheme (CPFIS) or an STI ETF SIP as my benchmark?
They serve different purposes. CPF Ordinary and Special Account balances earn fixed, government-guaranteed rates (typically 2.5%-4%+ per year) with very low risk, while a monthly investment plan into a diversified equity fund like an STI ETF carries market risk but has historically returned more (around 8% per year over the long run per SSGA's own data).
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Sources
Return assumptions and rates are compiled from each country's central-bank publications, recognized market-index data and the typical offerings of major providers, reviewed for 2026 and subject to change. Returns are long-term historical averages, not guarantees. See our methodology and editorial policy for how we source and update this data.
Additional sources for this page
State Street Global Advisors, SPDR Straits Times Index ETF (ES3) fund factsheet (31 Jul 2026): 8.56% annualised return since inception (11 Apr 2002). Dr Wealth, STI ETF: Price, Returns, Dividends, Investment Plans (data as of 31 May 2026): 8.12% annualised return since inception for the SPDR STI ETF. See our methodology and editorial policy for how we source and update this data.