The app

Everything you can use today.

Every part of Perfingo on one page. Four make up your monthly routine. The rest help you get around, keep other plans and close the month.

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The monthly loop

Four steps you repeat each month.

Build a plan, then watch it meet real life. Reconcile what you spent and read your portfolio honestly. Then do it again next month.

Plan

Project your whole life to age 100, with goals, what-if and insurance.

Track

Your net worth, month by month, and whether you're ahead.

Cashflow

Import a statement and see real spending against your targets.

Investment

Your portfolio's true return, allocation and dividends, read honestly.

Around the loop

Where you land, and how the month closes.

Your monthly routine happens in those four. These help you get there, keep other plans and close out the month.

Home

Where the app opens. Your net worth against the plan, and a single card naming the next thing worth doing. On a quiet month there is no card.

Plans

Several named plans side by side. Duplicate one, switch between them, mark which is your plan of record.

Check-in

The monthly close, in about two minutes. Import, review the exceptions, confirm the month and update balances, then get a verdict. Every step is skippable.

What-if

In the app: What-if comparison

A sandbox on top of the plan you're in. Change something, compare before and after on one chart, then apply it or throw it away.

Inside the plan

16 modules, grouped the way you think.

A plan is a set of modules you fill in any order, each one feeding the same projection.

Profile

Plan Setup
General Info
Financial Freedom
Emergency Fund
Assumptions

Money in and out

Income
Expenses
Current Assets
CPF

Commitments

Liabilities
Housing
Family / Children

Goals

Goals / Milestones

Protection

Health Insurance
Wealth Insurance
Coverage & Protection

You don't have to finish them all. Five shape the projection enough to get an answer, and the rest sharpen it. Home keeps a running count and puts the next one in front of you.See how Home handles setup.

And also

Built for more than one person at a laptop.

For couples

Invite your partner into the same household. Share goals with a funding split, combine both incomes in one projection, and get one verdict.

For advisors

A client list, per-client plans, and the access dial that decides what an advisor may see or change. Clients keep the final say.

HDB Loan Calculator

Estimate an HDB loan, the monthly repayment and the CPF impact. It's free, and you don't need to sign in.

Getting around

A sidebar on a laptop, five tabs on a phone.

Perfingo is one responsive app, laid out for whatever screen you open it on.

Wide screen

A sidebar down the left holds the plan modules in their groups, then Tracking, Cashflow, Investment, Plans and your account. A "Things to fix" strip runs across the top whenever your plan needs attention.

Phone

Five tabs sit in a floating dock. Plans, what-if, partner and advisor settings, and your account live in an overflow menu on the top bar.

It runs in your browser. There is no separate app to install from a store. Add it to your home screen if you want it a tap away.

See it with your own numbers.

Try all of it for 14 days. Cancel before day 14 and you won't be charged.

Start your 14-day free trial See pricing

Cancel before day 14, no charge