Profile and assumptions

How does the sidebar work?

Inside a plan, the sidebar lists every screen under five collapsible headings: Profile, Money in and out, Commitments, Goals, and Protection, with Home, Plan and Plans pinned above them. Tracking, Investment, Cashflow and the money report are hidden while you’re inside a plan. Use Home to get back to them. Only the heading you’re working in opens itself; tap another to open it too, and it stays open until you close it. A closed heading shows a red count if something inside needs fixing, otherwise the status dot of whichever screen needs the most attention.

On the plan dashboard, Profile opens by default and the other four groups collapse to one header each. Inside a screen, only its own group opens, for example Commitments around Housing. The account row and “Report a problem” sit in the footer, below the trial countdown.

Each screen row carries a status dot: a hollow ring means unopened, a filled dot means started but unchecked, a check mark means done. A field with a problem shows a red marker instead, with the error under that field and a summary in the form’s footer.

• Per-person tabs. On a couple’s plan, General info, Financial freedom, and Emergency fund each show a You / partner tab strip; every field below it belongs to the selected tab.
• Errors show right under the field, never in a separate list.
• Nothing to save. The footer reads “Saved” or “Saving…”, and “Next” jumps to the next screen that needs attention. On a phone the save status sits in the bar under the screen title instead.
• Guidance is short by default. Anything longer, such as an edge case or a double-counting warning, sits behind a collapsed row named for the question it answers.

Shrink the sidebar to an icon strip from its edge, or leave via Home or Plan at any time. Everything saves as you type.

Leaving a shared household

On a couple’s plan, tap your account row at the bottom of the sidebar to open Profile. Its Household section has “Invite partner” and, once someone joins, “Leave household” tiles; the account row itself then names your partner too.

Leaving is confirmed with a dialog titled “Leave this household?”: you’ll stop sharing this plan with your partner and go back to your own plan, and your partner keeps the shared one. It doesn’t delete anything.

Household and Advisor sit below “Sign out” on the Profile page. The Advisor section has a “Share with an advisor” tile, and an “Advisor access” tile joins it once an advisor seat exists. It is covered in full in Planning as a couple.

Profile also has a “Take the tour” button (it reads “Pick up the tour” if you left one half-done) to replay the welcome tour, and a “What’s new” button. The bottom of the page shows your app version, which is worth quoting when you report a problem.

See Planning as a couple for the full picture of inviting a partner and what sharing a plan changes.

Becoming an advisor

Not from Profile: advisors activate from a “For advisors” link on the Perfingo website, which takes your firm’s name, MAS Representative Number, and the Perfingo Advisor Terms, then switches your account over at once, free, with a 14-day advisor trial. Your personal plan stays. Profile gains an Advisor card with “Open advisor workspace” and “Back to my plan” buttons, and a pinned My plan row in the advisor workspace brings you back. See the advisor guide for the full experience.

What does Plan setup do?

Plan setup is the first screen, and the only one without “You / partner” tabs, since it’s what decides whether those tabs appear anywhere else. One choice: is this plan for one person or a couple? (The household plan date is set next door, in General info.)

It shows a “Who is this plan for?” control. Switching to Couple adds a second applicant across every screen that has one.

• Switching back to Single asks first, to review anything that named the departing partner, such as a policy that insured them, before it collapses the plan.
• Single means single: the second person doesn’t exist in the projection. Nothing to fill in or ignore.

What goes in General info?

The foundation form: date of birth, gender, marital status, occupation, employment status, and citizenship for each person, plus the shared household plan date. Almost every other screen leans on something set here: ages come from date of birth, citizenship decides whether CPF applies, and employment status flags self-employment for income and tax.

The plan date and this applicant’s core details sit at the top. Age is shown derived, not asked for directly, for example “Age 30, based on the plan year, not an exact birthday.”

• Age is a sum, not a birthday: the plan year minus your birth year, which can read up to a year off your exact age (noted under the field).
• Occupation and industry are optional, free text, and start blank. They’re context for you and any advisor you share the plan with; the projection doesn’t read either one.
• One “Household plan date” field for the whole household, shared with your partner automatically on a couple’s plan.
• Changing citizenship to “Others” asks first. Singaporeans and Permanent Residents pay into CPF; any other citizenship skips CPF entirely, and existing CPF balances are cleared only after you confirm.

See CPF for what changes when someone isn’t a Singaporean or PR, and Income & tax for how employment status feeds the tax working.

How do I set my freedom age and inflation?

Financial freedom is the smallest screen with the biggest reach. Your target freedom age is the finish line the whole plan saves and invests toward. Expected inflation grows everything else that rises with prices, such as expenses, your emergency-fund floor and milestone savings.

Two numbers are editable, framed against a one-line summary of what they mean for the projection, for example “Plan runs from age 30 to 100, with a freedom target of 55.” The fields are “Ideal financial freedom age” and “Expected inflation (%)”.

• Your current age here can’t be edited: the same plan-year sum from General info, repeated for context.
• Expected inflation can’t go above 20%, entered as a percent, exactly the range the calculator itself allows.
• A freedom age equal to your current age is allowed, but leaves no time to save toward it. Treat that as unusual, not a normal setting.

The time span this sets up is explained in full in How the numbers work: feasibility.

How does the emergency fund work?

The Emergency fund sets your minimum cash floor: the line your cash in hand is checked against every year, and the mark “can be delayed” goal warnings and the dashboard’s red zone both use.

The fund type and size sit on top, with your current coverage against it below. A “Your coverage” card can read, for example, “Fully funded 132%”, with the amount saved, the target and the floor.

• Three ways to set the size: “Expenses” (months of expenses), “Income” (months of income), or “Fixed amount (inflation-adjusted)”, a flat target that grows with inflation.
• “Your coverage” checks today’s cash live against the target, from green (fully funded) to amber to red as coverage drops.
• Each person can pick a different type on a couple’s plan.

How this cash floor works alongside the rest of your money is covered in The cash & asset waterfall.

What is the Assumptions screen?

Assumptions is the odd one out: nothing here can be edited. It shows the defaults the calculator uses in the background: property loan ratios, the cost of raising a child, how hard goals save ahead of time, ideal insurance amounts. Where you can change one, it also names which screen’s “Advanced” section to open.

It opens with “What the calculator assumes”, a Planning card, and a Property & home loans card with the Mortgage Servicing Ratio (MSR) at 30% and the Total Debt Servicing Ratio (TDSR) at 55%. It is a read-only reference: the same defaults every projection uses unless you tune them on the screen they belong to. The HDB downpayment default is now 25%, and rows you have customised are flagged with “Housing → Advanced”.

• Relationship status just follows Plan setup: one person reads “Single”, two read “Attached”.
• Property and loan ratios are calculator defaults (downpayment splits, servicing ratios, loan lengths), changed from the Housing screen’s own “Advanced” section, not here.
• Goal saving vs. investing shows how hard the calculator saves ahead of a goal’s deadline, by urgency and years away, deciding whether the goal’s money sits safely in cash or stays invested as the date nears.

The full list of every default value, and where each comes from, is in the Assumptions reference.