Perfingo
Pricing
One plan. Everything included.
One subscription covers planning, tracking, cashflow, investment insights, couples planning and insurance analysis. No tiers or add-ons.
S$96/year
That's S$8/month, save 33% vs monthly
- Plan to age 100, with unlimited scenarios & what-ifs
- Tracking, budgeting, cashflow & statement import
- Investment insights on allocation, XIRR & dividends
- Couples planning & full insurance analysis
- Every future feature, no upsells
Cancel before day 14, no charge
Working with a Perfingo advisor?
S$72/year
That's S$6/month, and your first 6 months are free.
Your advisor sets this up from their side once they're on a paid plan, so it isn't a plan you pick here. How advisor access works.
Financial advisor? See 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
Cashflow
- PDF statement import
- Spend breakdown by category
- Budget-vs-actual, band by band
- Upcoming commitments
Investment
- True return (XIRR)
- Allocation seven ways
- Dividend income & estimate
- Neutral concentration flags
Couples
- Us · You · Partner views
- Split funding on shared goals
- One joint verdict
- Your partner's own 14-day trial, then free read-only view
Everything else
- Encrypted in transit and at rest
- Paid by subscription, not ads or your data
- 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 any time | 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 any time
- 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. A card is required to start, but cancel before day 14 and you won't be charged. Build your whole plan first; decide to subscribe after. Your plan is saved either way.
Do I need an account to start?
No. Build a first projection before creating an account. You'll need an account to save your plan, and the plan you built moves across.
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 gives you full planning. Your partner gets their own 14-day trial, then free read-only access, always in sync on the joint plan, shared goals and verdict. If your partner wants to log their own transactions or run their own what-ifs, they can add a 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. Link up with one on a paid plan and your first 6 months are on them, then your own plan is S$9/month or S$72/year for as long as you stay linked.
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?
Your card is charged automatically to keep planning, unless you cancel before day 14. 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.
Still have a question about billing or your account? Email hello@perfingo.com and we reply within one business day. Support covers what we can and cannot help with.
Why paid
Because you're the customer, not the product.
We make money from subscriptions, not ads or your data. We take no commissions and sell no leads.
Start your 14-day free trial