SG Yield · Singapore Rate Optimizer

Park every dollar where it earns most.

Compare live Singapore savings rates, model your cash allocation, and find the optimal split across banks, T-bills and SSBs.

Rates as of April 2026·updated 2026-04-16

Rate comparison

Realistic rates assume you can credit a salary and spend S$500/mo on a bank card. Aspirational tiers require you to buy insurance or investment products.

Government securities & fixed deposits

T-bills, SSBs, and top promotional FD rates — the benchmarks every saver should know.

6 months

6-Month T-Bill

1.47%
09 Apr 2026 auction

MAS auction cut-off yield. SRS/CPFIS eligible.

Min $1,000·Tradeable on SGX, held to maturity typicalsource
10-yr avg

Singapore Savings Bond (Apr 2026)

1.99%
Apr 2026 tranche

1-yr yield 1.36%. Step-up coupons across 10 years.

Min $500·Redeemable any month, no penaltysource
6 months

Fixed Deposit — Best 6M

1.50%
Apr 2026

Best promotional rate among Singapore banks.

Min $20,000·Locked in; early break forfeits interestsource
12 months

Fixed Deposit — Best 12M (Maybank)

1.45%
Apr 2026

Maybank leading 12-month FD rate.

Min $20,000·Locked insource
3 months

Fixed Deposit — 3M (indicative)

1.35%
Apr 2026

Short-tenor promo rates typical across banks.

Min $20,000·Locked insource