The FinancialRuler in 10 seconds
 

Edu-Fun Net 25%

Essential Net 55%

Safety Net 20%

Fun Money (10%)
Education Funds (10%)
Charity (5%)
Necessity Expenses (55%)
Serviceable Debts (35%)
Insurance
(10%)
Purpose Fund
(10%)
Financial Freedom (10%)

Emergency Funds ( 3 ~ 6 Months Expenses )

Step 1: Essential Net ( 55% )
  • Spend within the zone.
  • Limit your expenditure to 55% on needs and not wants.
  • For expenses that we incur in our every day lives which supports individual as well as family's health, welfare and facilitate the generation of income.
Necessity Expenses
  • Up to 55% for necessity expenses incurred in our every day lives such as housing, household, insurance, food, transport and serviceable debt.
Serviceable Debts
  • Up to 35% in serviceable debt, ie. property loans, vehicle loans, student loans.
Insurance
  • Up to 10% income goes into insurance.
  • Insurance that covers H&S, disability, major illness, death, personal accident
Safety Net ( 20% )
  • Do not utilize funds until objectives are met.
  • Comprises of Emergency Fund, Purpose Fund, Financial Freedom Fund.
  • Contractual saving & accumulation for purposes such as purchasing property, cars, wedding.
Emergency Funds
  • Never use these funds unless emergency happens.
  • Equivalent to 3 ~ 6 months of your monthly expenses.
  • Sum of money set aside for sudden injury, accidents, or an unexpected loss of income.
  • Why based on expense and not income?

    A: For efficiency and attainability, we use expenses and not income to help you set aside minimum amount of money you need in an emergency fund which gives you the buffer you need to pay out-of-pocket expenses

Purpose Fund
  • 10% of income for milestone, ie. property, wedding.
Financial Freedom Funds
  • 10% of income for contractual saving & wealth accumulation.
  • Build passive income.
Edu-Fun Net
  • The edu-fun is for having fun. 25% is to regulate the spenders and the saver.
Fun Money
  • To regulate spending habits between the spender and saver.
  • 10% to be spent in 3 months time else transfer to charity.
  • To enjoy money and be able to spend it guilt free.
Education Funds
  • 10% is for education for your future, family education, children education, experiential learning and life long learning.
Charity
  • 5% charity is for spreading the joy and love. Use this to give and love; to build relationships. You can't be financially successful without the ability to give.
  • Not limited to gifts such as wedding, charity, relief missionary. Birthdays, sponsorships, charity organizations are also part of charity.

The FinancialRuler in 10 seconds

Edu-Fun Net 25%

Essential Net 55%

Safety Net 20%

Fun
Money (10%)
Education
Funds (10%)
Charity (5%)
Necessity Expenses
(55%)
Serviceable Debts (35%)
Insurance
(10%)
Purpose
Fund (10%)
Financial Freedom
Funds (10%)

Emergency Funds ( 3 ~ 6 Months Expenses )

Step 1 Essential Net ( 55% )
  • Spend within the zone.
  • Limit your expenditure to 55% on needs and not wants.
  • For expenses that we incur in our every day lives which supports individual as well as family's health, welfare and facilitate the generation of income.
Necessity Expenses
  • Up to 55% for necessity expenses incurred in our every day lives such as housing, household, insurance, food, transport and serviceable debt.
Serviceable Debts
  • Up to 35% in serviceable debt, ie. property loans, vehicle loans, student loans.
Insurance
  • Up to 10% income goes into insurance.
  • Insurance that covers H&S, disability, major illness, death, personal accident
Step 2 Safety Net ( 20% )
  • Do not utilize funds until objectives are met.
  • Comprises of Emergency Fund, Purpose Fund, Financial Freedom Fund.
  • Contractual saving & accumulation for purposes such as purchasing property, cars, wedding.
Emergency Funds
  • Never use these funds unless emergency happens.
  • Equivalent to 3 ~ 6 months of your monthly expenses.
  • Sum of money set aside for sudden injury, accidents, or an unexpected loss of income.
  • Why based on expense and not income?

    A: For efficiency and attainability, we use expenses and not income to help you set aside minimum amount of money you need in an emergency fund which gives you the buffer you need to pay out-of-pocket expenses

Purpose Fund
  • 10% of income for milestone, ie. property, wedding.
Financial Freedom Funds
  • 10% of income for contractual saving & wealth accumulation.
  • Build passive income.
Step 3 Edu-Fun Net
  • The edu-fun is for having fun. 25% is to regulate the spenders and the saver.
Fun Money
  • To regulate spending habits between the spender and saver.
  • 10% to be spent in 3 months time else transfer to charity.
  • To enjoy money and be able to spend it guilt free.
Education Funds
  • 10% is for education for your future, family education, children education, experiential learning and life long learning.
Charity
  • 5% charity is for spreading the joy and love. Use this to give and love; to build relationships. You can't be financially successful without the ability to give.
  • Not limited to gifts such as wedding, charity, relief missionary. Birthdays, sponsorships, charity organizations are also part of charity.

About Us

Meet Mark, an experienced financial advisor and all his frustrations

Why Choose Us

What makes us unique

all-in-one financial solution
All-In-One Financial Solution

Your complete financial picture at a glimpse - view your cash flow, income , assets, insurance and retirement information all in one platform.

financial document cloud storage
Document Repository

Data management solution to store, manage and track your documents and correspondents - keep track of your data anytime anywhere.

augmented intelligence
Augmented Intelligence

FinancialRuler aggregates external public information for your personal use; an experience that is personal and engaging.

social connectivity
Social Connectivity

Connect with any financial professionals and users, track and manage the finances of you and your loved ones.

crm, social crm, cem, cxm tool
CRM, SCRM, CEM, CXM Tool

Connect digitally with your clientele and prospects, interact with our proprietary engagements tools. Deliver a whole new experience to your clientele.

establist trust with clients
Establish Trust with Clients

FinancialRuler empowers your client by providing transparency to take control of their own financial data in documents (eg: insurance review, tax review), helping build a strong rapport and trust with your client.

financial visualisation
Financial Visualization

Leave the number crunching to us! Let FinancialRuler convert your complex data into easy-to-view reports, charts and graphs.

time saving
Time Saving

Let FinancialRuler take care of tedious tasks for you through integrated technologies in the platform like data aggregation, augmented intelligence and automated document completion tools. Save time managing fragmented data and increase productivity.

ease of use
Ease of Use

Navigate through our platform with ease and without any training, FinancialRuler is an easy to use software and enables financial advisors to confidently adopt it in their daily operations.

redundancies
Redundancies

We understand the importance of having access to your data 24/7. With various architectural redundancies in place, you will have access to your own data whenever and wherever you want to. We also have automated processes to backup your data every single day for 365 days, in the event something went wrong, we will always have backup to fall back on.

Our Security

The tools in place to protect your sensitive data

GuardDuty

Amazon GuardDuty uses machine learning enriched by threat intelligence to highlight malicious activities that might be threatening.

Amazon Web Services

Using a suite of tools from Amazon Web Services (AWS), various layers of protection are implemented such that your sensitive data are not easily accessed by non-authorized personnel or third party web applications.

Our Security

The tools in place to protect your sensitive data

Amazon Web Services

Using a suite of tools from Amazon Web Services (AWS), various layers of protection are implemented such that your sensitive data are not easily accessed by non-authorized personnel or third party web applications.

GuardDuty

Amazon GuardDuty uses machine learning enriched by threat intelligence to highlight malicious activities that might be threatening.

singapore property costs

Mortgage Costs in Singapore

What are the costs for purchasing property

cost of singapore property

Find out All the costs of your property

Find out All the costs of your property

plan mortgage

Plan for your mortgage with our data

Plan for your mortgage with our data

calculate singapore mortgage costs

Simply key in your data and let us crunch the numbers

Simply key in your data and let us crunch the numbers

Get to know our products

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Video Testimonials

Why People Love Us

Why People Love Us

We are always here with you to improve your lives and businesses

Better financials, better lifestyle

Contact Us

Have more questions? We are happy to talk to you.