Pricing
One plan. Everything included.
No tiers, no add-ons, no upsells. Every surface of the loop (plus couples planning and insurance analysis) on one honest subscription.
S$96/year
That's S$8/month, save 33% vs monthly
- Plan to age 100: unlimited scenarios & what-ifs
- Tracking, budgeting, cashflow & statement import
- Portfolio insights: allocation, XIRR & dividends
- Couples planning & full insurance analysis
- Every future feature, no upsells
No credit card required · Cancel anytime
Financial advisor? There's a separate workspace for you: Perfingo for Advisors.
What's included
The whole loop, in one subscription.
Not a starter tier that nudges you to upgrade. Everything below is in the single plan, from day one.
Plan
- Projection to age 100, CPF-aware
- Instant goal verdicts
- Unlimited what-if scenarios
- Insurance coverage-gap analysis
Track
- Net worth vs plan, month by month
- This-month & vs-plan deltas
- Goal-funding pace
- Net-worth trend history
Budget
- PDF statement import
- Spend breakdown by category
- Budget-vs-actual, band by band
- Upcoming commitments
Grow
- True return (XIRR)
- Allocation four ways
- Dividend income & estimate
- Neutral concentration flags
Couples
- Us · You · Partner views
- Split funding on shared goals
- One joint verdict
- Free read-only view for your partner
Everything else
- Bank-grade encryption
- No ads, no data selling
- No commissions, ever
- Every future feature included
How it compares
Perfingo vs an adviser vs a spreadsheet.
Three ways to plan your money in Singapore. Only one is complete, unbiased and yours to keep.
| Feature | Perfingo | Financial adviser | Spreadsheet |
|---|---|---|---|
| Upfront cost | Free 14-day trial | Often free, if you buy a product | Your evenings |
| Ongoing cost | S$8–12/mo, flat | Commissions baked into products | Endless upkeep |
| Whose side they're on | Yours: you're the customer | Paid when you buy | Neutral, but it's all on you |
| Updates with your life | Track, budget, replan: anytime | Annual review, maybe | Only when you edit it |
| Built for couples | Us · You · Partner | Rarely | One messy tab |
| CPF-aware, Singapore-first | OA/SA/MA + CPF LIFE | Varies | If you model it yourself |
Perfingo
- Upfront cost
- Free 14-day trial
- Ongoing cost
- S$8–12/mo, flat
- Whose side they're on
- Yours: you're the customer
- Updates with your life
- Track, budget, replan: anytime
- Built for couples
- Us · You · Partner
- CPF-aware, Singapore-first
- OA/SA/MA + CPF LIFE
Financial adviser
- Upfront cost
- Often free, if you buy a product
- Ongoing cost
- Commissions baked into products
- Whose side they're on
- Paid when you buy
- Updates with your life
- Annual review, maybe
- Built for couples
- Rarely
- CPF-aware, Singapore-first
- Varies
Spreadsheet
- Upfront cost
- Your evenings
- Ongoing cost
- Endless upkeep
- Whose side they're on
- Neutral, but it's all on you
- Updates with your life
- Only when you edit it
- Built for couples
- One messy tab
- CPF-aware, Singapore-first
- If you model it yourself
Comparison is a general illustration, not a claim about any specific adviser.
Pricing questions
The fine print, in plain English.
Is there a free trial?
Yes, 14 days, full access to everything, no credit card required up front. Build your whole plan first; decide to subscribe after. Your plan is saved either way.
Do I need an account to start?
No. Perfingo works fully signed-out: build your whole plan on your own device before telling us anything. When you do sign up, your local plan migrates into your account, so nothing you built is lost.
Do you take a cut of my investments?
Never. We take no commissions, sell no products and pass on no leads. The subscription is our only revenue, which is exactly why our reading of your money has no hidden agenda.
Do both partners need to pay?
No. Your subscription unlocks full planning for you, plus a free read-only view for your partner: the joint pathway, shared goals and verdict, always in sync. If your partner wants to log their own transactions or run their own what-ifs, they can add their own seat for the same S$12/month / S$96/year.
Do advisors pay for access to my plan?
Advisor access is by your invitation and under your control: you choose how much they can see or change, and you can narrow or revoke it any time. Advisors use a separate product with its own pricing; see Perfingo for Advisors.
Why is there no free tier?
Free finance tools usually monetise you through ads or product commissions. We'd rather charge a fair, flat price and stay firmly on your side of the table.
What happens after the 14 days?
You'll be asked to subscribe to keep planning. No card up front means no surprise charge, and nothing you built disappears.
Can I cancel anytime?
Anytime, in a couple of taps. No lock-in, no cancellation fee. Choose monthly for maximum flexibility, or annual to save 33%.
Can I delete my account and data?
Yes, self-service, right in the app. Delete your account and everything it holds from settings whenever you choose; no email to support, no retention hoops.
Why paid
Because you're the customer, not the product.
Free apps sell your attention or your data; “free” advice sells you products. We take a fair subscription and nothing else: no commissions, no lead-selling, no ads. That's the only way the picture you see can be honest.
Start your 14-day free trial