CashIntel
Singapore Cash Decision Intelligence
One cash move for today, without the rate-table noise.
CashIntel helps Singapore households and SMEs start with one clearer move, then test the numbers. Instead of a comparison table, you get a practical signal, the reason behind it, and the next place to act.
Personal cash
Use the free cash check for idle cash, emergency buffer, and simple allocation decisions.
Start with personal cashBusiness cash
Open the public toolbench for runway, breakeven, payback, and working-capital pressure.
Open business toolsBest Yield
1.70%
Signal
MOVE
Cash Score
84/100
Today's Move
Move idle cash toward Cash Management Account
Best fit for flexible idle cash, while keeping true emergency money in bank savings.
Current live yield signal
1.70%
↓ -0.30% vs previous snapshot
This number is the current live rate signal for the top-ranked cash move. It is not a promised portfolio return and it may differ from blended estimates in the calculator below.
Before moving money
Check the source, the freshness label, and whether your own cash timeline still fits the lock-in and access trade-off. CashIntel is decision support, not personal financial advice.
STRONG
84/100
Liquidity
High
Confidence
High confidence
Rate Trust
Medium confidenceSource
Endowus / StashAway SGD cash pages
Checked
2 May 2026
Freshness
Stale · 46 days old
Mode
Manual snapshot
Status
Stale
yield
100
Liquid
92
safety
62
Simple
64
Fresh
84
1.70% indicated yield ranks strongly in today's cash universe
Market-linked safety profile
Usually no lock-in liquidity trade-off is clear enough for a simple decision
Share Today’s Move
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Updated Apr 2026. Source checked 2 May 2026. Cash Score blends yield, liquidity, safety, simplicity, and freshness. Not sponsored placement.
What To Click First
Start with the right path in one tap.
CashIntel is free to use. Pick the job you came for, then move straight into the right tool, note, or alert flow.
Start Here
I have personal idle cash
Check allocation, see the split, and understand the warning before moving funds.
Open personal cash checkStart Here
I need business cash tools
Open runway, breakeven, payback, and working-capital tools in the free business toolbench.
Open business toolsStart Here
I just want updates
Join the free alert list and let CashIntel email the next decision change instead of checking manually.
Get free alertsFree business cash tools, not a locked preview.
Public users can now open the toolbench, test cash pressure, breakeven, payback, and working capital decisions, then keep the result or join free alerts for the next signal change.
Toolbench snapshot
Start with the decision path first
Free
Public
Cash Runway & Breakeven
Open instantly, test the numbers, then decide.
Working Capital Gap Planner
Open instantly, test the numbers, then decide.
Investment / Payback Decision
Open instantly, test the numbers, then decide.
Saved Reports Center
Open instantly, test the numbers, then decide.
Why trust this
Singapore-only sources checked 14 May 2026
CashIntel tracks source freshness and confidence so today's move stays tied to live Singapore conditions, not stale rate-table screenshots or copied promo lists.
Checked today
0
Fresh
0
Watch soon
0
Source groups
6
Freshness read
No current source group confirmed yet. No source nearing re-check
Confidence read
Lowest confidence today is medium. 6 Singapore source groups behind the signal
What changed
6 stale sources held out of the cleanest signal. 0 sources are still in watch mode.
Free Email Alerts
Get the next cash decision by email.
CashIntel is free to use. Join the list to get new Decision Notes, signal changes, and the next clearer cash move without checking the site every day.
Decision Notes
Short reads behind the cash decision.
Not a finance blog. Quick notes when Singapore cash signals change.
Should You Split Your Cash Across Multiple Places In Singapore?
Splitting cash is often a timing and purpose decision, not a diversification slogan. The right split depends on access needs, maturity dates, and how much money is truly spare.
Where To Park Short-Term Cash In Singapore Without Regretting The Lock-In
Short-term cash should be parked by timing first. A small yield pickup is usually not worth creating maturity stress for money that may be needed soon.
Cash Management Vs Fixed Deposit In Singapore: Which One Fits Your Cash Job?
Cash management and fixed deposits solve different cash problems. The better fit depends on flexibility, certainty, and whether the money can really be locked.
RHB 3M leads at 1.40%
10 SGD FD signals compressed into a watchlist.
Bank of China
12M · min S$500
1.40%
CIMB
9M · min S$10k
1.35%
Maybank
12M · min S$20k
1.30%
Bank of China
12M · min S$500
1.40%
CIMB
9M · min S$10k
1.35%
Maybank
12M · min S$20k
1.30%
Where should I put my money?
Enter idle cash. CashIntel gives the split, rationale, and warning.
Model Yield Estimate
1.32%
This is the estimated blended yield for the sample split below, not the single live rate shown in Today's Cash Decision.
Recommended Allocation
For $50,000, place $30,000 in T-Bill, keep $20,000 in Savings.
T-Bill
Main yield engine
$30,000
Savings
Ready cash
$20,000
What to do next
Start with T-Bill, then pressure-test the split against your own bills and time horizon.
Primary move
T-Bill
Expected yield
1.32% estimated blend
Guardrail
Do not lock emergency cash
- • Use the suggested split as a starting point, not an automatic instruction.
- • The blend shown here is a model estimate for this split, so it will not always match the single live rate in Today's Cash Decision.
- • Compare the lock-in period against your next large payment or withdrawal need.
- • Save, copy, or email the summary if someone else needs to review the move with you.
Fastest share
Send the short move first if someone else just needs the practical answer.
Share this result
Pass the cleaner decision on.
Send the short move to someone comparing fixed deposits or T-bills before the conversation disappears into rate tables.
Top Options Today
A decision shortlist, not a bank comparison table.
Cash Management Account
1.70% · High liquidity · Market-linked · Score 84
Best for: Flexible cash seeking yield above simple savings
View Whyv
Why this is shortlisted
Cash Management Account is currently the strongest Cash Score in the shortlist because it balances 1.70% yield, high liquidity, and a clear use case for flexible cash seeking yield above simple savings.
Provider
MAS-Licensed Platforms
Min.
S$0
Liquidity
Usually no lock-in
Updated
Apr 2026
Rate Trust
MediumSource
Endowus / StashAway SGD cash pages
Checked
2 May 2026
Freshness
Stale · 46 days old
Mode
Manual snapshot
Status
Stale
T-Bill (6M)
1.40% · Medium liquidity · Government-backed · Score 83
Best for: Idle cash that can sit untouched for 6 months
Considerv
Why this is shortlisted
T-Bills remain useful when cash can sit untouched for the auction tenor and the user wants a government-backed option instead of platform or bank complexity.
Provider
Singapore Government
Min.
S$1,000
Liquidity
6 months
Updated
07 May 2026
Rate Trust
HighSource
SGYieldHub / MAS data
Checked
14 May 2026
Freshness
Stale · 34 days old
Mode
Auto refresh
Status
Stale
Singapore Savings Bond
1.46% · Medium liquidity · Government-backed · Score 83
Best for: Conservative cash that may need monthly exit flexibility
Considerv
Why this is shortlisted
SSB is included for conservative cash that values Singapore Government backing and monthly exit flexibility, even if the headline yield is not the highest.
Provider
Singapore Government
Min.
S$500
Liquidity
Redeem monthly
Updated
01 Jun 2026
Rate Trust
HighSource
SGYieldHub / MAS data
Checked
14 May 2026
Freshness
Stale · 34 days old
Mode
Auto refresh
Status
Stale
Money Market Fund
1.53% · High liquidity · Market-linked · Score 79
Best for: Cash-like allocation with market-linked yield
Keep Bufferv
Why this is shortlisted
Money Market Fund stays on the shortlist because it can fit cash-like allocation with market-linked yield, but the watchout should be checked before moving cash.
Provider
Singapore Fund Platforms
Min.
S$100
Liquidity
Usually no lock-in
Updated
31 Mar 2026
Rate Trust
MediumSource
Singapore fund platform updates
Checked
2 May 2026
Freshness
Stale · 46 days old
Mode
Manual snapshot
Status
Stale
Market Direction
What changed, and what to do with idle cash.
T-Bill Lower
Latest 6M cut-off is 1.40%.
Action: Use only for cash that can sit untouched for 6 months.
FD Promo Band Stable
SGD leaders cluster around 1.35%-1.40%.
Action: Compare lock-in and early withdrawal terms before chasing rate.
Cash Funds Variable
Projected yields can move and are not deposits.
Action: Use for flexible yield, not emergency cash.
Rate Accuracy
Singapore-only rates checked 14 May 2026
0 current, 0 watched, 6 stale.0 fresh, 0 nearing re-check. Auto rates stale after 7 days; manual snapshots stale after 14 days.
Lowest confidence
Medium
Source groups
6
Capital Environment
Tight Money
Borrowing cost is running meaningfully above cash yield. Context only; this does not change the Cash Score ranking.
Best Yield
1.70%
Lending
3.92%
Spread
-2.22%
CashIntel Engine
Built for one cash decision
6
Cash Sources
T-Bills, SSB, FD, savings, cash funds
<5s
Decision Speed
User sees the move before scrolling
5 Factors
Decision Model
Yield, liquidity, safety, simplicity, freshness
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